AIFLY (Muninova Holdings) E10: $0.08 (As of Dec. 2025)

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AIFLY Muninova Holdings Inc AIFLY
65 GF Score
Price $1.40
GF Value $1.64
! 5 Warning Signs
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What is Muninova Holdings E10?

Muninova Holdings AIFLY 65 E10 is $0.08 as of Dec. 2025. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. 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.

Muninova Holdings's adjusted earnings per share data for the three months ended in Dec. 2025 was $0.066. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.08 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Muninova Holdings's average E10 Growth Rate was 113.50% per year. During the past 3 years, the average E10 Growth Rate was 19.60% per year. During the past 5 years, the average E10 Growth Rate was 20.70% 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 Muninova Holdings was 35.10% per year. The lowest was -6.50% per year. And the median was 19.60% per year.

As of today (2026-08-04), Muninova Holdings's current stock price is $1.40. Muninova Holdings's E10 for the quarter that ended in Dec. 2025 was $0.08. Muninova Holdings's Shiller PE Ratio of today is 17.50.

During the past 13 years, the highest Shiller PE Ratio of Muninova Holdings was 55.82. The lowest was 11.26. And the median was 23.23.


Muninova Holdings  (OTCPK:AIFLY) 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.

Muninova Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1.40/0.08
=17.50

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Muninova Holdings was 55.82. The lowest was 11.26. And the median was 23.23.


Be Aware

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


Muninova Holdings E10 Related Terms


Muninova Holdings E10 Historical Data

* Premium members only.

The historical data trend for Muninova Holdings'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.

Muninova Holdings E10 Chart

Muninova Holdings Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.08 0.07 0.06 0.03 0.08

Muninova Holdings Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 0.04 0.08 0.08 0.10 0.08

AIFLY vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Muninova Holdings'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.


Muninova Holdings Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Muninova Holdings's Shiller PE Ratio falls into.


AIFLY
65GF Score
Muninova Holdings Inc AIFLY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Muninova Holdings 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, Muninova Holdings's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.066/113.0000*113.0000
=0.066

Current CPI (Dec. 2025) = 113.0000.

Muninova Holdings Quarterly Data

per share eps CPI Adj_EPS
201603 -0.002 97.900 -0.002
201606 0.016 98.100 0.018
201609 0.013 98.000 0.015
201612 0.020 98.400 0.023
201703 0.020 98.100 0.023
201706 0.018 98.500 0.021
201709 0.013 98.800 0.015
201712 0.028 99.400 0.032
201803 -0.024 99.200 -0.027
201806 0.017 99.200 0.019
201809 0.031 99.900 0.035
201812 0.050 99.700 0.057
201903 -0.012 99.700 -0.014
201906 0.033 99.800 0.037
201909 0.017 100.100 0.019
201912 0.062 100.500 0.070
202003 -0.099 100.300 -0.112
202006 0.068 99.900 0.077
202009 0.026 99.900 0.029
202012 0.063 99.300 0.072
202103 0.022 99.900 0.025
202106 0.047 99.500 0.053
202109 0.047 100.100 0.053
202112 0.074 100.100 0.084
202203 -0.051 101.100 -0.057
202206 0.046 101.800 0.051
202209 0.042 103.100 0.046
202212 0.039 104.100 0.042
202303 0.042 104.400 0.045
202306 0.022 105.200 0.024
202309 0.025 106.200 0.027
202312 0.056 106.800 0.059
202403 0.051 107.200 0.054
202406 0.024 108.200 0.025
202409 0.025 108.900 0.026
202412 0.052 110.700 0.053
202503 0.053 111.100 0.054
202506 0.029 111.700 0.029
202509 0.061 112.000 0.062
202512 0.066 113.000 0.066

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 $0.08 mean?
Muninova Holdings (AIFLY) has a E10 of $0.08 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Muninova Holdings and its competitors.
Is Muninova Holdings' E10 too high?
Muninova Holdings' current E10 is $0.08. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' E10 compare to V and MA?
Muninova Holdings' E10 of $0.08 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 Muninova Holdings and its competitors. Muninova Holdings's current E10 is $0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current E10 of $0.08. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current E10 is $0.08. Muninova Holdings' overall GF Score™ is 65/100 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 Muninova Holdings (AIFLY), the current E10 is $0.08 as of Dec. 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 Muninova Holdings (AIFLY) Overvalued in 2026?

Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued. The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.

Key valuation signals for AIFLY:

  • E10: $0.08
  • GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
  • GF Score™: 65/100 with 5 warning signs

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


Muninova Holdings Business Description

Other Exchanges 547A:Japan
Address 381-1, Takasago-cho Gojo-Agaru, Karasuma-Dori, Shimogyo-ku, Kyoto, JPN, 600-8420
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score

Get the complete analysis for AIFLY

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

$1.40
Price
$1.64
GF Value