Dhansafal Finserve (BOM:512048) E10: ₹0.05 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:512048 Dhansafal Finserve Ltd BOM:512048
57 GF Score
Price ₹2.43
GF Value ₹10.92
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is Dhansafal Finserve E10?

Dhansafal Finserve BOM:512048 +1.67% 57 E10 is ₹0.05 as of Mar. 2026. GuruFocus rates BOM:512048 with a GF Score™ of 57/100 and a GF Value™ of ₹10.92 (Possible Value Trap). 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.

Dhansafal Finserve's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.020. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹0.05 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was 7.70% per year. During the past 5 years, the average E10 Growth Rate was -48.50% 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 Dhansafal Finserve was 7.70% per year. The lowest was -81.30% per year. And the median was -36.70% per year.

As of today (2026-08-12), Dhansafal Finserve's current stock price is ₹2.43. Dhansafal Finserve's E10 for the quarter that ended in Mar. 2026 was ₹0.05. Dhansafal Finserve's Shiller PE Ratio of today is 48.60.

During the past 13 years, the highest Shiller PE Ratio of Dhansafal Finserve was 132.86. The lowest was 0.04. And the median was 58.84.


Dhansafal Finserve  (BOM:512048) 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.

Dhansafal Finserve's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=2.43/0.05
=48.60

* 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 Dhansafal Finserve was 132.86. The lowest was 0.04. And the median was 58.84.


Be Aware

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


Dhansafal Finserve E10 Related Terms


Dhansafal Finserve E10 Historical Data

* Premium members only.

The historical data trend for Dhansafal Finserve'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.

Dhansafal Finserve E10 Chart

Dhansafal Finserve 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 0.04 0.04 0.04 0.05 0.05

Dhansafal Finserve 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 0.05 0.05 0.05 0.05 0.05

BOM:512048 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Dhansafal Finserve'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.


Dhansafal Finserve Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Dhansafal Finserve's Shiller PE Ratio falls into.


BOM:512048
57GF Score
Dhansafal Finserve Ltd BOM:512048
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dhansafal Finserve 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, Dhansafal Finserve'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)
=0.02/164.2724*164.2724
=0.020

Current CPI (Mar. 2026) = 164.2724.

Dhansafal Finserve Quarterly Data

per share eps CPI Adj_EPS
201606 0.022 105.961 0.034
201609 0.015 105.961 0.023
201612 0.015 105.196 0.023
201703 -0.002 105.196 -0.003
201706 0.015 107.109 0.023
201709 0.007 109.021 0.011
201712 0.002 109.404 0.003
201803 0.007 109.786 0.010
201806 0.007 111.317 0.010
201809 0.015 115.142 0.021
201812 0.015 115.142 0.021
201903 0.000 118.202 0.000
201906 0.007 120.880 0.010
201909 -0.015 123.175 -0.020
201912 0.007 126.235 0.009
202003 0.001 124.705 0.001
202006 0.007 127.000 0.009
202009 0.000 130.118 0.000
202012 0.007 130.889 0.009
202103 -0.001 131.771 -0.001
202106 0.007 134.084 0.009
202109 0.015 135.847 0.018
202112 0.015 138.161 0.018
202203 0.007 138.822 0.008
202206 0.015 142.347 0.017
202209 0.015 144.661 0.017
202212 0.015 145.763 0.017
202303 0.007 146.865 0.008
202306 0.015 150.280 0.016
202309 0.020 151.492 0.022
202312 0.010 152.924 0.011
202403 0.007 153.035 0.008
202406 0.070 155.789 0.074
202409 -0.020 157.882 -0.021
202412 0.000 158.323 0.000
202503 0.010 157.552 0.010
202506 0.010 159.755 0.010
202509 -0.005 162.289 -0.005
202512 0.010 163.281 0.010
202603 0.020 164.272 0.020

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 ₹0.05 mean?
Dhansafal Finserve (BOM:512048) has a E10 of ₹0.05 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dhansafal Finserve and its competitors.
Is Dhansafal Finserve's E10 too high?
Dhansafal Finserve's current E10 is ₹0.05. Overall, Dhansafal Finserve has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's E10 compare to V and MA?
Dhansafal Finserve's E10 of ₹0.05 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 Dhansafal Finserve and its competitors. Dhansafal Finserve's current E10 is ₹0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.92, compared to a current price of ₹2.43 — trading 77.7% below its estimated fair value. The current E10 is ₹0.05. Dhansafal Finserve's overall GF Score™ is 57/100 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 Dhansafal Finserve (BOM:512048), the current E10 is ₹0.05 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?

Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued. The current stock price of ₹2.43 is trading 77.7% below its estimated GF Value™ of ₹10.92. GuruFocus considers Dhansafal Finserve to be Possible Value Trap.

Key valuation signals for BOM:512048:

  • E10: ₹0.05
  • GF Value™: ₹10.92 vs. price of ₹2.43 (77.7% below fair value)
  • GF Score™: 57/100 with 7 warning signs

No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dhansafal Finserve Business Description

Address G 1402, Lotus Corporate Park, Jay Coach Area, Goregaon East, Mumbai, MH, IND, 400063
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
57GF Score

Get the complete analysis for BOM:512048

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

₹2.43
Price
₹10.92
GF Value