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ALORY (Alior Bank) E10 : $1.09 (As of Sep. 2024)


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What is Alior Bank E10?

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.

Alior Bank's adjusted earnings per share data for the three months ended in Sep. 2024 was $0.643. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.09 for the trailing ten years ended in Sep. 2024.

During the past 12 months, Alior Bank's average E10 Growth Rate was 30.90% 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.

As of today (2025-03-05), Alior Bank's current stock price is $12.0718. Alior Bank's E10 for the quarter that ended in Sep. 2024 was $1.09. Alior Bank's Shiller PE Ratio of today is 11.08.

During the past 13 years, the highest Shiller PE Ratio of Alior Bank was 19.10. The lowest was 5.97. And the median was 12.37.


Alior Bank E10 Historical Data

The historical data trend for Alior Bank'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.

* Premium members only.

Alior Bank E10 Chart

Alior Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 0.40 0.27 0.16

Alior Bank Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
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 0.22 0.16 0.13 0.92 1.09

Competitive Comparison of Alior Bank's E10

For the Banks - Diversified subindustry, Alior Bank'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.


Alior Bank's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Alior Bank's Shiller PE Ratio falls into.



Alior Bank 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, Alior Bank's adjusted earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.643/153.4391*153.4391
=0.643

Current CPI (Sep. 2024) = 153.4391.

Alior Bank Quarterly Data

per share eps CPI Adj_EPS
201412 0.142 100.122 0.218
201503 0.127 100.041 0.195
201506 0.156 100.448 0.238
201509 0.151 99.634 0.233
201512 0.056 99.471 0.086
201603 0.110 98.983 0.171
201606 0.134 99.552 0.207
201609 0.083 99.064 0.129
201612 0.364 100.366 0.556
201703 0.079 101.018 0.120
201706 0.096 101.180 0.146
201709 0.170 101.343 0.257
201712 0.126 102.564 0.188
201803 0.151 102.564 0.226
201806 0.192 103.378 0.285
201809 0.169 103.378 0.251
201812 0.175 103.785 0.259
201903 0.100 104.274 0.147
201906 -0.009 105.983 -0.013
201909 0.136 105.983 0.197
201912 0.011 107.123 0.016
202003 0.069 109.076 0.097
202006 -0.562 109.402 -0.788
202009 0.078 109.320 0.109
202012 0.116 109.565 0.162
202103 0.105 112.658 0.143
202106 0.120 113.960 0.162
202109 0.145 115.588 0.192
202112 0.096 119.088 0.124
202203 0.164 125.031 0.201
202206 0.209 131.705 0.243
202209 -0.060 135.531 -0.068
202212 0.348 139.113 0.384
202303 0.353 145.950 0.371
202306 0.489 147.009 0.510
202309 0.552 146.113 0.580
202312 0.566 147.741 0.588
202403 0.558 149.044 0.574
202406 0.566 150.997 0.575
202409 0.643 153.439 0.643

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


Alior Bank  (OTCPK:ALORY) 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.

Alior Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=12.0718/1.09
=11.08

* 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 Alior Bank was 19.10. The lowest was 5.97. And the median was 12.37.


Be Aware

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


Alior Bank E10 Related Terms

Thank you for viewing the detailed overview of Alior Bank's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Alior Bank Business Description

Traded in Other Exchanges
Address
ul. Lopuszanska 38D, Warsaw, POL, 02-232
Alior Bank SA is a universal lending and deposit-taking bank that provides services primarily to a Polish customer base. Its core activities include maintaining bank accounts, granting loans and advances, issuing banking securities, and buying and selling foreign currencies. Its subsidiary group company conducts brokerage activities, consulting, financial agency services, and other financial services. Its loan and advances book is diversified across various categories, notably retail cash loans and overdrafts, housing loans and other mortgages, working capital, and investment loans. About a quarter of the amounts due from customers originate from the Mazovia province. The group's operations are financed from the funds of non-financial-sector customers deposited with the bank.

Alior Bank Headlines