Charan Insurance PCL (BKK:CHARAN) E10: ฿1.82 (As of Mar. 2026)

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BKK:CHARAN Charan Insurance PCL BKK:CHARAN
64 GF Score
Price ฿17.20
GF Value ฿22.70
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Charan Insurance PCL E10?

Charan Insurance PCL BKK:CHARAN +1.18% 64 E10 is ฿1.82 as of Mar. 2026. GuruFocus rates BKK:CHARAN with a GF Score™ of 64/100 and a GF Value™ of ฿22.70 (Modestly Undervalued). 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.

Charan Insurance PCL's adjusted earnings per share data for the three months ended in Mar. 2026 was ฿2.260. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ฿1.82 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Charan Insurance PCL's average E10 Growth Rate was 5.20% per year. During the past 3 years, the average E10 Growth Rate was 1.30% per year. During the past 5 years, the average E10 Growth Rate was 12.90% 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Charan Insurance PCL was 33.80% per year. The lowest was -7.40% per year. And the median was 8.15% per year.

As of today (2026-07-29), Charan Insurance PCL's current stock price is ฿17.20. Charan Insurance PCL's E10 for the quarter that ended in Mar. 2026 was ฿1.82. Charan Insurance PCL's Shiller PE Ratio of today is 9.45.

During the past 13 years, the highest Shiller PE Ratio of Charan Insurance PCL was 44.12. The lowest was 7.57. And the median was 27.20.


Charan Insurance PCL  (BKK:CHARAN) 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.

Charan Insurance PCL's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=17.20/1.82
=9.45

* 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 Charan Insurance PCL was 44.12. The lowest was 7.57. And the median was 27.20.


Be Aware

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


Charan Insurance PCL E10 Related Terms


Charan Insurance PCL E10 Historical Data

* Premium members only.

The historical data trend for Charan Insurance PCL'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.

Charan Insurance PCL E10 Chart

Charan Insurance PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.15 1.58 1.85 1.75 1.64

Charan Insurance PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 1.73 1.55 1.51 1.64 1.82

BKK:CHARAN vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Charan Insurance PCL'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.


Charan Insurance PCL Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Charan Insurance PCL's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Charan Insurance PCL's Shiller PE Ratio falls into.


BKK:CHARAN
64GF Score
Charan Insurance PCL BKK:CHARAN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Charan Insurance PCL 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, Charan Insurance PCL's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.26/330.2130*330.2130
=2.260

Current CPI (Mar. 2026) = 330.2130.

Charan Insurance PCL Quarterly Data

per share eps CPI Adj_EPS
201606 0.500 241.018 0.685
201609 0.820 241.428 1.122
201612 0.250 241.432 0.342
201703 -0.010 243.801 -0.014
201706 0.630 244.955 0.849
201709 0.470 246.819 0.629
201712 0.019 246.524 0.025
201803 0.120 249.554 0.159
201806 0.570 251.989 0.747
201809 -0.110 252.439 -0.144
201812 -0.075 251.233 -0.099
201903 -2.550 254.202 -3.312
201906 0.650 256.143 0.838
201909 -0.430 256.759 -0.553
201912 -0.270 256.974 -0.347
202003 0.410 258.115 0.525
202006 0.510 257.797 0.653
202009 1.520 260.280 1.928
202012 1.827 260.474 2.316
202103 0.290 264.877 0.362
202106 -0.280 271.696 -0.340
202109 -1.140 274.310 -1.372
202112 -1.232 278.802 -1.459
202203 -1.460 287.504 -1.677
202206 0.550 296.311 0.613
202209 2.730 296.808 3.037
202212 4.000 296.797 4.450
202303 1.170 301.836 1.280
202306 0.600 305.109 0.649
202309 -0.240 307.789 -0.257
202312 0.759 306.746 0.817
202403 1.180 312.332 1.248
202406 0.100 314.175 0.105
202409 -0.290 315.301 -0.304
202412 -0.160 315.605 -0.167
202503 0.980 319.799 1.012
202506 -0.660 322.561 -0.676
202509 0.480 324.800 0.488
202512 1.770 324.054 1.804
202603 2.260 330.213 2.260

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 ฿1.82 mean?
Charan Insurance PCL (BKK:CHARAN) has a E10 of ฿1.82 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Charan Insurance PCL and its competitors.
Is Charan Insurance PCL's E10 too high?
Charan Insurance PCL's current E10 is ฿1.82. Overall, Charan Insurance PCL has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Charan Insurance PCL's E10 compare to CB and PGR?
Charan Insurance PCL's E10 of ฿1.82 can be compared against companies in the Insurance 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 an Insurance company?
A good E10 depends on the Insurance 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 Charan Insurance PCL and its competitors. Charan Insurance PCL's current E10 is ฿1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charan Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Charan Insurance PCL (BKK:CHARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿22.70, compared to a current price of ฿17.20 — trading 24.2% below its estimated fair value. The current E10 is ฿1.82. Charan Insurance PCL's overall GF Score™ is 64/100 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 Charan Insurance PCL (BKK:CHARAN), the current E10 is ฿1.82 as of Mar. 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 Charan Insurance PCL (BKK:CHARAN) Overvalued in 2026?

Based on GuruFocus' analysis, Charan Insurance PCL stock appears to be undervalued. The current stock price of ฿17.20 is trading 24.2% below its estimated GF Value™ of ฿22.70. GuruFocus considers Charan Insurance PCL to be Modestly Undervalued.

Key valuation signals for BKK:CHARAN:

  • E10: ฿1.82
  • GF Value™: ฿22.70 vs. price of ฿17.20 (24.2% below fair value)
  • GF Score™: 64/100 with 5 warning signs

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


Charan Insurance PCL Business Description

Address 408/1 Ratchadapisak Road, Samsennok, Huaykwang, Bangkok, THA, 10310
Charan Insurance PCL is a Thailand-based company in the insurance sector. Its primary activity is providing non-life insurance services. Its non-life insurance products include Fire insurance, Motor insurance, Personal accident insurance, Marine and transportation insurance, and Miscellaneous insurance. The company operates principally in Thailand and generates the majority of its revenue from Motor insurance services.
64GF Score

Get the complete analysis for BKK:CHARAN

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

฿17.20
Price
฿22.70
GF Value