Kreditbanken AS (OCSE:KRE) Cyclically Adjusted PS Ratio: 5.81 (As of Jul. 31, 2026) — 63% Above Median

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OCSE:KRE Kreditbanken AS OCSE:KRE
74 GF Score
Price kr9,400.00
GF Value kr6,488.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Kreditbanken AS Cyclically Adjusted PS Ratio?

Kreditbanken AS OCSE:KRE 74 Cyclically Adjusted PS Ratio is 5.81 as of Jul. 31, 2026, which is 63% above its 10-year median of 3.56. GuruFocus rates OCSE:KRE with a GF Score™ of 74/100 and a GF Value™ of kr6,488.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,299 Banks companies, Kreditbanken AS ranks worse than 83.29% on this metric.

As of today (2026-07-31), Kreditbanken AS's current share price is kr9400.00. Kreditbanken AS's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was kr1,617.27. Kreditbanken AS's Cyclically Adjusted PS Ratio for today is 5.81.

The historical rank and industry rank for Kreditbanken AS's Cyclically Adjusted PS Ratio or its related term are showing as below:

OCSE:KRE' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.71   Med: 3.56   Max: 5.72
Current: 5.72

During the past years, Kreditbanken AS's highest Cyclically Adjusted PS Ratio was 5.72. The lowest was 2.71. And the median was 3.56.

OCSE:KRE's Cyclically Adjusted PS Ratio is ranked worse than
83.29% of 1299 companies
in the Banks industry
Industry Median: 3.43 vs OCSE:KRE: 5.72

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Kreditbanken AS's adjusted revenue per share data for the three months ended in Mar. 2026 was kr542.893. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is kr1,617.27 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Kreditbanken AS  (OCSE:KRE) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Kreditbanken AS Cyclically Adjusted PS Ratio Related Terms


Kreditbanken AS Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Kreditbanken AS's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kreditbanken AS Cyclically Adjusted PS Ratio Chart

Kreditbanken AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.97 3.48 3.45 3.57 4.79

Kreditbanken AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.51 4.41 4.62 4.79 5.04

Kreditbanken AS Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Kreditbanken AS's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kreditbanken AS Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Kreditbanken AS's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Kreditbanken AS's Cyclically Adjusted PS Ratio falls into.


OCSE:KRE
74GF Score
Kreditbanken AS OCSE:KRE
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kreditbanken AS Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Kreditbanken AS's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=9400.00/1617.27
=5.81

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kreditbanken AS's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Kreditbanken AS's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=542.893/121.6800*121.6800
=542.893

Current CPI (Mar. 2026) = 121.6800.

Kreditbanken AS Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 254.208 100.600 307.475
201609 252.637 100.200 306.795
201612 230.905 100.300 280.125
201703 246.315 101.200 296.162
201706 278.226 101.200 334.531
201709 246.155 101.800 294.225
201712 249.583 101.300 299.795
201803 378.714 101.700 453.116
201806 262.327 102.300 312.023
201809 264.560 102.400 314.372
201812 267.679 102.100 319.013
201903 253.988 102.900 300.343
201906 282.482 102.900 334.037
201909 324.161 102.900 383.323
201912 268.839 102.900 317.904
202003 230.500 103.300 271.512
202006 294.369 103.200 347.082
202009 299.321 103.500 351.897
202012 297.804 103.400 350.453
202103 294.417 104.300 343.477
202106 313.964 105.000 363.839
202109 313.185 105.800 360.192
202112 329.821 106.600 376.479
202203 0.000 109.900 0.000
202206 251.750 113.600 269.656
202209 278.107 116.400 290.722
202212 411.702 115.900 432.234
202303 491.649 117.300 510.007
202306 499.405 116.400 522.058
202309 511.720 117.400 530.376
202312 591.060 116.700 616.283
202403 517.839 118.400 532.185
202406 526.649 118.500 540.782
202409 582.530 118.900 596.150
202412 540.083 118.900 552.711
202503 561.643 120.200 568.558
202506 530.619 120.700 534.927
202509 553.202 121.600 553.566
202512 554.911 121.200 557.109
202603 542.893 121.680 542.893

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 5.81 mean?
Kreditbanken AS (OCSE:KRE) has a Cyclically Adjusted PS Ratio of 5.81 as of Jul. 31, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Kreditbanken AS and its competitors. This is 63% above median its historical median of 3.56. Over the past decade, Kreditbanken AS's Cyclically Adjusted PS Ratio has ranged from 2.71 to 5.72. According to the industry distribution chart, Kreditbanken AS ranks #1082 out of 1299 companies in the Banks industry, placing it in the top 83.3%.
Is Kreditbanken AS's Cyclically Adjusted PS Ratio too high?
Kreditbanken AS's current Cyclically Adjusted PS Ratio of 5.81 is 63% above median its 10-year median of 3.56. Over the past 10 years, this metric has ranged from a low of 2.71 to a high of 5.72. The Banks industry median Cyclically Adjusted PS Ratio is 3.43. Kreditbanken AS's value of 5.81 is 69.4% above this industry median. Based on the distribution chart, Kreditbanken AS ranks #1082 out of 1299 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Kreditbanken AS has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kreditbanken AS's Cyclically Adjusted PS Ratio compare to competitors?
According to the Banks industry distribution chart, Kreditbanken AS ranks #1082 out of 1299 companies for Cyclically Adjusted PS Ratio. This places Kreditbanken AS in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.43. Kreditbanken AS's value of 5.81 is 69.4% above this benchmark. Historically, Kreditbanken AS's own Cyclically Adjusted PS Ratio has ranged from 2.71 to 5.72 over the past decade. While the company's 10-year median is 3.56 vs. the industry median of 3.43, Kreditbanken AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.43, based on 1,299 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kreditbanken AS's current Cyclically Adjusted PS Ratio of 5.81 is 69.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Kreditbanken AS and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kreditbanken AS's current Cyclically Adjusted PS Ratio is 5.81, which is 63% above median its own 10-year median of 3.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kreditbanken AS stock overvalued right now?
Based on GuruFocus' analysis, Kreditbanken AS (OCSE:KRE) is currently considered Significantly Overvalued. The stock's GF Value™ is kr6,488.30, compared to a current price of kr9,400.00 — trading 44.9% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 5.81, which is 63% above median its 10-year median of 3.56 and 69.4% above the Banks industry median of 3.43. Kreditbanken AS's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Kreditbanken AS (OCSE:KRE), the current Cyclically Adjusted PS Ratio is 5.81 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kreditbanken AS (OCSE:KRE) Overvalued in 2026?

Based on GuruFocus' analysis, Kreditbanken AS stock appears to be overvalued. The current stock price of kr9,400.00 is trading 44.9% above its estimated GF Value™ of kr6,488.30. GuruFocus considers Kreditbanken AS to be Significantly Overvalued.

Key valuation signals for OCSE:KRE:

  • Cyclically Adjusted PS Ratio: 5.81 (63% above median its 10-year median of 3.56)
  • GF Value™: kr6,488.30 vs. price of kr9,400.00 (44.9% above fair value)
  • GF Score™: 74/100 with 5 warning signs
  • Industry Position: 69.4% above the Banks median (#1082 of 1299)

No single metric tells the full story. See the OCSE:KRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kreditbanken AS Business Description

Address H.P. Hanssens Gade 17, Aabenraa, DNK, 6200
Kreditbanken AS is Denmark based bank engaged in providing financial services and products to corporate and private customers. Its services includes deposits, savings account, credit cards, car loans, mortgages, insurance products, internet banking and investment advice.
74GF Score

Get the complete analysis for OCSE:KRE

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr9,400.00
Price
kr6,488.30
GF Value