Sahara Housingfina (BOM:511533) E10: ₹3.20 (As of Mar. 2026)


BOM:511533 Sahara Housingfina Corp Ltd BOM:511533
68 GF Score
Price ₹44.72
GF Value ₹36.05
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Sahara Housingfina E10?

Sahara Housingfina BOM:511533 +5.37% 68 E10 is ₹3.20 as of Mar. 2026. GuruFocus rates BOM:511533 with a GF Score™ of 68/100 and a GF Value™ of ₹36.05 (Modestly Overvalued). The stock has 7 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.

Sahara Housingfina's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹3.20 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sahara Housingfina's average E10 Growth Rate was -7.00% per year. During the past 3 years, the average E10 Growth Rate was -7.20% per year. During the past 5 years, the average E10 Growth Rate was -5.10% 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 Sahara Housingfina was -3.00% per year. The lowest was -7.20% per year. And the median was -5.50% per year.

As of today (2026-07-07), Sahara Housingfina's current stock price is ₹44.72. Sahara Housingfina's E10 for the quarter that ended in Mar. 2026 was ₹3.20. Sahara Housingfina's Shiller PE Ratio of today is 13.98.

During the past 13 years, the highest Shiller PE Ratio of Sahara Housingfina was 29.98. The lowest was 6.95. And the median was 11.65.


Sahara Housingfina  (BOM:511533) 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.

Sahara Housingfina's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=44.72/3.20
=13.98

* 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 Sahara Housingfina was 29.98. The lowest was 6.95. And the median was 11.65.


Be Aware

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


Sahara Housingfina E10 Related Terms


Sahara Housingfina E10 Historical Data

* Premium members only.

The historical data trend for Sahara Housingfina'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.

Sahara Housingfina E10 Chart

Sahara Housingfina Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.08 4.01 3.75 3.44 3.20

Sahara Housingfina 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 3.44 3.41 3.34 3.24 3.20

BOM:511533 vs RKT, FNMA, PFSI: E10 Comparison

For the Mortgage Finance subindustry, Sahara Housingfina'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.


Sahara Housingfina Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Sahara Housingfina's Shiller PE Ratio falls into.


BOM:511533
68GF Score
Sahara Housingfina Corp Ltd BOM:511533
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sahara Housingfina 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, Sahara Housingfina'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)
=0.11/164.2724*164.2724
=0.110

Current CPI (Mar. 2026) = 164.2724.

Sahara Housingfina Quarterly Data

per share eps CPI Adj_EPS
201606 0.689 105.961 1.068
201609 0.720 105.961 1.116
201612 0.720 105.196 1.124
201703 0.690 105.196 1.077
201706 1.240 107.109 1.902
201709 0.830 109.021 1.251
201712 0.790 109.404 1.186
201803 0.820 109.786 1.227
201806 0.940 111.317 1.387
201809 0.980 115.142 1.398
201812 0.950 115.142 1.355
201903 0.860 118.202 1.195
201906 0.770 120.880 1.046
201909 0.480 123.175 0.640
201912 0.800 126.235 1.041
202003 0.920 124.705 1.212
202006 0.690 127.000 0.893
202009 0.750 130.118 0.947
202012 0.720 130.889 0.904
202103 0.830 131.771 1.035
202106 0.620 134.084 0.760
202109 0.660 135.847 0.798
202112 0.590 138.161 0.702
202203 0.680 138.822 0.805
202206 0.660 142.347 0.762
202209 0.630 144.661 0.715
202212 0.390 145.763 0.440
202303 0.340 146.865 0.380
202306 0.540 150.280 0.590
202309 0.520 151.492 0.564
202312 0.320 152.924 0.344
202403 0.640 153.035 0.687
202406 0.330 155.789 0.348
202409 0.150 157.882 0.156
202412 0.160 158.323 0.166
202503 0.290 157.552 0.302
202506 0.300 159.755 0.308
202509 -0.040 162.289 -0.040
202512 0.120 163.281 0.121
202603 0.110 164.272 0.110

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 ₹3.20 mean?
Sahara Housingfina (BOM:511533) has a E10 of ₹3.20 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sahara Housingfina and its competitors.
Is Sahara Housingfina's E10 too high?
Sahara Housingfina's current E10 is ₹3.20. Overall, Sahara Housingfina has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's E10 compare to RKT and FNMA?
Sahara Housingfina's E10 of ₹3.20 can be compared against companies in the Banks 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 Banks company?
A good E10 depends on the Banks 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 Sahara Housingfina and its competitors. Sahara Housingfina's current E10 is ₹3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.05, compared to a current price of ₹44.72 — trading 24% above its estimated fair value. The current E10 is ₹3.20. Sahara Housingfina's overall GF Score™ is 68/100 with 7 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 Sahara Housingfina (BOM:511533), the current E10 is ₹3.20 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?

Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued. The current stock price of ₹44.72 is trading 24% above its estimated GF Value™ of ₹36.05. GuruFocus considers Sahara Housingfina to be Modestly Overvalued.

Key valuation signals for BOM:511533:

  • E10: ₹3.20
  • GF Value™: ₹36.05 vs. price of ₹44.72 (24% above fair value)
  • GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sahara Housingfina Business Description

Address 46, Dr. Sundari Mohan Avenue, 2nd Floor, Kolkata, WB, IND, 700014
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
68GF Score

Get the complete analysis for BOM:511533

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

₹44.72
Price
₹36.05
GF Value