Finance House PJSC (ADX:FH) E10: د.إ-0.01 (As of Jun. 2025)


ADX:FH Finance House PJSC ADX:FH
49 GF Score
Price د.إ2.10
GF Value د.إ2.21
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Finance House PJSC E10?

Finance House PJSC ADX:FH 49 E10 is د.إ-0.01 as of Jun. 2025. GuruFocus rates ADX:FH with a GF Score™ of 49/100 and a GF Value™ of د.إ2.21 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Finance House PJSC's adjusted earnings per share data for the three months ended in Jun. 2025 was د.إ0.030. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ-0.01 for the trailing ten years ended in Jun. 2025.

During the past 3 years, the average E10 Growth Rate was -43.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Finance House PJSC was -23.10% per year. The lowest was -43.30% per year. And the median was -33.20% per year.

As of today (2026-06-29), Finance House PJSC's current stock price is د.إ2.10. Finance House PJSC's E10 for the quarter that ended in Jun. 2025 was د.إ-0.01. Finance House PJSC's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Finance House PJSC was 230.00. The lowest was 12.67. And the median was 26.69.


Finance House PJSC  (ADX:FH) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Finance House PJSC was 230.00. The lowest was 12.67. And the median was 26.69.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Finance House PJSC E10 Related Terms


Finance House PJSC E10 Historical Data

* Premium members only.

The historical data trend for Finance House PJSC's E10 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.

Finance House PJSC E10 Chart

Finance House PJSC Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.11 0.11 0.08 0.05 0.02

Finance House PJSC Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
E10 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 0.00 0.02 0.02 0.01 -0.01

ADX:FH vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Finance House PJSC's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Finance House PJSC Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Finance House PJSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Finance House PJSC's Shiller PE Ratio falls into.


ADX:FH
49GF Score
Finance House PJSC ADX:FH
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Finance House PJSC E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Finance House PJSC's adjusted earnings per share data for the three months ended in Jun. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2025 (Change)*Current CPI (Jun. 2025)
=0.03/322.5610*322.5610
=0.030

Current CPI (Jun. 2025) = 322.5610.

Finance House PJSC Quarterly Data

per share eps CPI Adj_EPS
201509 0.003 237.945 0.004
201512 -0.050 236.525 -0.068
201603 0.060 238.132 0.081
201606 0.005 241.018 0.007
201609 0.010 241.428 0.013
201612 -0.030 241.432 -0.040
201703 0.070 243.801 0.093
201706 0.005 244.955 0.007
201709 0.004 246.819 0.005
201712 -0.040 246.524 -0.052
201803 0.040 249.554 0.052
201806 -0.030 251.989 -0.038
201809 -0.010 252.439 -0.013
201812 -0.050 251.233 -0.064
201903 0.020 254.202 0.025
201906 -0.002 256.143 -0.003
201909 -0.010 256.759 -0.013
201912 -0.040 256.974 -0.050
202003 -0.020 258.115 -0.025
202006 0.010 257.797 0.013
202009 0.020 260.280 0.025
202012 -0.023 260.474 -0.028
202103 0.001 264.877 0.001
202106 0.010 271.696 0.012
202109 -0.010 274.310 -0.012
202112 -0.015 278.802 -0.017
202203 0.003 287.504 0.003
202206 -0.010 296.311 -0.011
202209 -0.040 296.808 -0.043
202212 -0.010 296.797 -0.011
202303 0.030 301.836 0.032
202306 0.010 305.109 0.011
202309 -0.010 307.789 -0.010
202312 0.030 306.746 0.032
202403 -0.040 312.332 -0.041
202406 0.000 314.175 0.000
202409 0.020 315.301 0.020
202412 0.010 315.605 0.010
202503 -0.030 319.799 -0.030
202506 0.030 322.561 0.030

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of د.إ-0.01 mean?
Finance House PJSC (ADX:FH) has a E10 of د.إ-0.01 as of Jun. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Finance House PJSC and its competitors.
Is Finance House PJSC's E10 too high?
Finance House PJSC's current E10 is د.إ-0.01. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's E10 compare to V and MA?
Finance House PJSC's E10 of د.إ-0.01 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Finance House PJSC and its competitors. Finance House PJSC's current E10 is د.إ-0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The stock's GF Value™ is د.إ2.21, compared to a current price of د.إ2.10 — trading 5% below its estimated fair value. The current E10 is د.إ-0.01. Finance House PJSC's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Finance House PJSC (ADX:FH), the current E10 is د.إ-0.01 as of Jun. 2025. 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 Finance House PJSC (ADX:FH) Overvalued in 2026?

Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued. The current stock price of د.إ2.10 is trading 5% below its estimated GF Value™ of د.إ2.21. GuruFocus considers Finance House PJSC to be Fairly Valued.

Key valuation signals for ADX:FH:

  • E10: د.إ-0.01
  • GF Value™: د.إ2.21 vs. price of د.إ2.10 (5% below fair value)
  • GF Score™: 49/100 with 5 warning signs

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


Finance House PJSC Business Description

Address Zayed 1st Street, Khalidiya Area, P.O.Box: 7878, Orjowan Tower Building, Abu Dhabi, ARE
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score

Get the complete analysis for ADX:FH

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ2.10
Price
د.إ2.21
GF Value