Ind Bank Housing (BOM:523465) E10: ₹-0.45 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:523465 Ind Bank Housing Ltd BOM:523465
30 GF Score
Price ₹52.57
! 3 Warning Signs
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What is Ind Bank Housing E10?

Ind Bank Housing BOM:523465 -0.51% 30 E10 is ₹-0.45 as of Jun. 2026. GuruFocus rates BOM:523465 with a GF Score™ of 30/100. The stock has 3 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.

Ind Bank Housing's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹3.880. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹-0.45 for the trailing ten years ended in Jun. 2026.

During the past 3 years, the average E10 Growth Rate was 37.70% per year. During the past 5 years, the average E10 Growth Rate was 27.10% 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 Ind Bank Housing was 37.70% per year. The lowest was 17.00% per year. And the median was 22.40% per year.

As of today (2026-07-23), Ind Bank Housing's current stock price is ₹52.57. Ind Bank Housing's E10 for the quarter that ended in Jun. 2026 was ₹-0.45. Ind Bank Housing's Shiller PE Ratio of today is .


Ind Bank Housing  (BOM:523465) 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.


Be Aware

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


Ind Bank Housing E10 Related Terms


Ind Bank Housing E10 Historical Data

* Premium members only.

The historical data trend for Ind Bank Housing'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.

Ind Bank Housing E10 Chart

Ind Bank Housing 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 -6.61 -5.49 -4.18 -3.09 -1.33

Ind Bank Housing Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 -2.69 -2.29 -1.80 -1.33 -0.45

BOM:523465 vs RKT, FNMA, PFSI: E10 Comparison

For the Mortgage Finance subindustry, Ind Bank Housing'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.


Ind Bank Housing Shiller PE Ratio vs Banks Industry

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

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


BOM:523465
30GF Score
Ind Bank Housing Ltd BOM:523465
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Ind Bank Housing 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, Ind Bank Housing's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=3.88/166.1454*166.1454
=3.880

Current CPI (Jun. 2026) = 166.1454.

Ind Bank Housing Quarterly Data

per share eps CPI Adj_EPS
201609 -2.950 105.961 -4.626
201612 -1.810 105.196 -2.859
201703 -3.340 105.196 -5.275
201706 1.290 107.109 2.001
201709 1.640 109.021 2.499
201712 -1.100 109.404 -1.671
201803 -0.050 109.786 -0.076
201806 -0.050 111.317 -0.075
201809 -0.030 115.142 -0.043
201812 -0.030 115.142 -0.043
201903 0.250 118.202 0.351
201906 -0.040 120.880 -0.055
201909 0.000 123.175 0.000
201912 -0.020 126.235 -0.026
202003 2.800 124.705 3.730
202006 -0.040 127.000 -0.052
202009 -0.010 130.118 -0.013
202012 -0.020 130.889 -0.025
202103 -0.110 131.771 -0.139
202106 -0.060 134.084 -0.074
202109 0.005 135.847 0.006
202112 -0.030 138.161 -0.036
202203 -0.040 138.822 -0.048
202206 -0.090 142.347 -0.105
202209 -0.050 144.661 -0.057
202212 -0.010 145.763 -0.011
202303 -0.410 146.865 -0.464
202306 -0.060 150.280 -0.066
202309 -0.480 151.492 -0.526
202312 -0.090 152.924 -0.098
202403 0.070 153.035 0.076
202406 -0.120 155.789 -0.128
202409 -0.080 157.882 -0.084
202412 -0.050 158.323 -0.052
202503 -0.060 157.552 -0.063
202506 -0.110 159.755 -0.114
202509 -0.020 162.289 -0.020
202512 0.060 163.281 0.061
202603 -0.020 164.272 -0.020
202606 3.880 166.145 3.880

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 ₹-0.45 mean?
Ind Bank Housing (BOM:523465) has a E10 of ₹-0.45 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ind Bank Housing and its competitors.
Is Ind Bank Housing's E10 too high?
Ind Bank Housing's current E10 is ₹-0.45. Overall, Ind Bank Housing has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does Ind Bank Housing's E10 compare to RKT and FNMA?
Ind Bank Housing's E10 of ₹-0.45 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 Ind Bank Housing and its competitors. Ind Bank Housing's current E10 is ₹-0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ind Bank Housing stock overvalued right now?
Ind Bank Housing (BOM:523465) has a current E10 of ₹-0.45. The current E10 is ₹-0.45. Ind Bank Housing's overall GF Score™ is 30/100 with 3 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 Ind Bank Housing (BOM:523465), the current E10 is ₹-0.45 as of Jun. 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.

Ind Bank Housing Business Description

Address 480, Anna Salai, 3rd Floor, Nandanam, Khivraj Complex - I, Chennai, TN, IND, 600035
Ind Bank Housing Ltd is an India-based company. It is engaged in Housing finance. The company's source of revenue is from the interest receipts.
30GF Score

Get the complete analysis for BOM:523465

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

₹52.57
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