J.J. Finance (BOM:523062) E10: ₹1.28 (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:523062 J.J. Finance Corp Ltd BOM:523062
44 GF Score
Price ₹60.48
GF Value ₹17.13
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is J.J. Finance E10?

J.J. Finance BOM:523062 +5.00% 44 E10 is ₹1.28 as of Mar. 2026. GuruFocus rates BOM:523062 with a GF Score™ of 44/100 and a GF Value™ of ₹17.13 (Significantly Overvalued). The stock has 6 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.

J.J. Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹-0.680. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹1.28 for the trailing ten years ended in Mar. 2026.

During the past 12 months, J.J. Finance's average E10 Growth Rate was -4.50% per year. During the past 3 years, the average E10 Growth Rate was 2.20% per year. During the past 5 years, the average E10 Growth Rate was 1.60% 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 J.J. Finance was 4.00% per year. The lowest was 1.80% per year. And the median was 2.20% per year.

As of today (2026-07-23), J.J. Finance's current stock price is ₹60.48. J.J. Finance's E10 for the quarter that ended in Mar. 2026 was ₹1.28. J.J. Finance's Shiller PE Ratio of today is 47.25.

During the past 13 years, the highest Shiller PE Ratio of J.J. Finance was 76.34. The lowest was 3.82. And the median was 20.27.


J.J. Finance  (BOM:523062) 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.

J.J. Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=60.48/1.28
=47.25

* 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 J.J. Finance was 76.34. The lowest was 3.82. And the median was 20.27.


Be Aware

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


J.J. Finance E10 Related Terms


J.J. Finance E10 Historical Data

* Premium members only.

The historical data trend for J.J. Finance'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.

J.J. Finance E10 Chart

J.J. Finance 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 1.19 1.20 1.33 1.34 1.28

J.J. Finance 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 1.34 1.38 1.39 1.40 1.28

BOM:523062 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, J.J. Finance'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.


J.J. Finance Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where J.J. Finance's Shiller PE Ratio falls into.


BOM:523062
44GF Score
J.J. Finance Corp Ltd BOM:523062
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

J.J. Finance 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, J.J. Finance'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)
=-0.68/164.2724*164.2724
=-0.680

Current CPI (Mar. 2026) = 164.2724.

J.J. Finance Quarterly Data

per share eps CPI Adj_EPS
201606 0.610 105.961 0.946
201609 0.320 105.961 0.496
201612 0.160 105.196 0.250
201703 0.070 105.196 0.109
201706 0.190 107.109 0.291
201709 1.990 109.021 2.999
201712 0.300 109.404 0.450
201803 0.210 109.786 0.314
201806 0.220 111.317 0.325
201809 0.470 115.142 0.671
201812 0.140 115.142 0.200
201903 0.005 118.202 0.007
201906 0.210 120.880 0.285
201909 0.400 123.175 0.533
201912 0.160 126.235 0.208
202003 -0.220 124.705 -0.290
202006 0.150 127.000 0.194
202009 0.330 130.118 0.417
202012 0.140 130.889 0.176
202103 0.530 131.771 0.661
202106 0.180 134.084 0.221
202109 0.170 135.847 0.206
202112 0.240 138.161 0.285
202203 0.110 138.822 0.130
202206 -0.080 142.347 -0.092
202209 0.300 144.661 0.341
202212 0.230 145.763 0.259
202303 -0.160 146.865 -0.179
202306 0.080 150.280 0.087
202309 0.230 151.492 0.249
202312 0.450 152.924 0.483
202403 0.680 153.035 0.730
202406 0.230 155.789 0.243
202409 1.240 157.882 1.290
202412 0.970 158.323 1.006
202503 -1.510 157.552 -1.574
202506 0.200 159.755 0.206
202509 0.230 162.289 0.233
202512 0.100 163.281 0.101
202603 -0.680 164.272 -0.680

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 ₹1.28 mean?
J.J. Finance (BOM:523062) has a E10 of ₹1.28 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on J.J. Finance and its competitors.
Is J.J. Finance's E10 too high?
J.J. Finance's current E10 is ₹1.28. Overall, J.J. Finance has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J.J. Finance's E10 compare to V and MA?
J.J. Finance's E10 of ₹1.28 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 J.J. Finance and its competitors. J.J. Finance's current E10 is ₹1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J.J. Finance stock overvalued right now?
Based on GuruFocus' analysis, J.J. Finance (BOM:523062) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹17.13, compared to a current price of ₹60.48 — trading 253.1% above its estimated fair value. The current E10 is ₹1.28. J.J. Finance's overall GF Score™ is 44/100 with 6 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 J.J. Finance (BOM:523062), the current E10 is ₹1.28 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 J.J. Finance (BOM:523062) Overvalued in 2026?

Based on GuruFocus' analysis, J.J. Finance stock appears to be overvalued. The current stock price of ₹60.48 is trading 253.1% above its estimated GF Value™ of ₹17.13. GuruFocus considers J.J. Finance to be Significantly Overvalued.

Key valuation signals for BOM:523062:

  • E10: ₹1.28
  • GF Value™: ₹17.13 vs. price of ₹60.48 (253.1% above fair value)
  • GF Score™: 44/100 with 6 warning signs

No single metric tells the full story. See the BOM:523062 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


J.J. Finance Business Description

Address Action Area - IID, Unit No. 14, 8th Floor, Premises No. IID/14, New Town, Rajarhat, Kolkata, WB, IND, 700156
J.J. Finance Corp Ltd is a Non-Banking Finance Company. Its main businesses are Electricity Generation, Leasing and Hire purchase, Finance, Real Estate, Investments, and dealing in Shares and Securities. The Company is engaged in investment activities and other financial services, which is the only reportable segment. The company generates revenue from Interest, Dividends, and Profit on the Sale of investments.
44GF Score

Get the complete analysis for BOM:523062

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

₹60.48
Price
₹17.13
GF Value