Real Touch Finance (BOM:538611) E10: ₹1.81 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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:538611 Real Touch Finance Ltd BOM:538611
67 GF Score
Price ₹44.95
GF Value ₹80.84
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Real Touch Finance E10?

Real Touch Finance BOM:538611 -2.56% 67 E10 is ₹1.81 as of Mar. 2026. GuruFocus rates BOM:538611 with a GF Score™ of 67/100 and a GF Value™ of ₹80.84 (Possible Value Trap). 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.

Real Touch Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.760. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹1.81 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Real Touch Finance's average E10 Growth Rate was 30.20% 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.

As of today (2026-07-14), Real Touch Finance's current stock price is ₹44.95. Real Touch Finance's E10 for the quarter that ended in Mar. 2026 was ₹1.81. Real Touch Finance's Shiller PE Ratio of today is 24.83.

During the past 13 years, the highest Shiller PE Ratio of Real Touch Finance was 73.97. The lowest was 17.98. And the median was 34.27.


Real Touch Finance  (BOM:538611) 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.

Real Touch Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=44.95/1.81
=24.83

* 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 Real Touch Finance was 73.97. The lowest was 17.98. And the median was 34.27.


Be Aware

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


Real Touch Finance E10 Related Terms


Real Touch Finance E10 Historical Data

* Premium members only.

The historical data trend for Real Touch 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.

Real Touch Finance E10 Chart

Real Touch 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 0.00 0.00 1.05 1.39 1.81

Real Touch 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 1.39 1.47 1.63 1.71 1.81

BOM:538611 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Real Touch 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.


Real Touch Finance Shiller PE Ratio vs Credit Services Industry

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

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


BOM:538611
67GF Score
Real Touch Finance Ltd BOM:538611
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Real Touch 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, Real Touch 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)
=0.76/164.2724*164.2724
=0.760

Current CPI (Mar. 2026) = 164.2724.

Real Touch Finance Quarterly Data

per share eps CPI Adj_EPS
201606 0.279 105.961 0.433
201609 0.100 105.961 0.155
201612 0.120 105.196 0.187
201703 -0.160 105.196 -0.250
201706 -0.220 107.109 -0.337
201709 -0.140 109.021 -0.211
201712 0.177 109.404 0.266
201803 -0.140 109.786 -0.209
201806 0.240 111.317 0.354
201809 0.150 115.142 0.214
201812 0.170 115.142 0.243
201903 0.000 118.202 0.000
201906 0.290 120.880 0.394
201909 0.320 123.175 0.427
201912 0.330 126.235 0.429
202003 -0.030 124.705 -0.040
202006 0.280 127.000 0.362
202009 0.300 130.118 0.379
202012 0.330 130.889 0.414
202103 0.220 131.771 0.274
202106 0.350 134.084 0.429
202109 0.370 135.847 0.447
202112 0.360 138.161 0.428
202203 0.070 138.822 0.083
202206 0.320 142.347 0.369
202209 0.860 144.661 0.977
202212 0.830 145.763 0.935
202303 0.380 146.865 0.425
202306 0.720 150.280 0.787
202309 0.270 151.492 0.293
202312 0.670 152.924 0.720
202403 0.410 153.035 0.440
202406 0.820 155.789 0.865
202409 0.920 157.882 0.957
202412 1.360 158.323 1.411
202503 0.530 157.552 0.553
202506 1.040 159.755 1.069
202509 1.570 162.289 1.589
202512 0.660 163.281 0.664
202603 0.760 164.272 0.760

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 ₹1.81 mean?
Real Touch Finance (BOM:538611) has a E10 of ₹1.81 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Real Touch Finance and its competitors.
Is Real Touch Finance's E10 too high?
Real Touch Finance's current E10 is ₹1.81. Overall, Real Touch Finance has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Real Touch Finance's E10 compare to V and MA?
Real Touch Finance's E10 of ₹1.81 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 Real Touch Finance and its competitors. Real Touch Finance's current E10 is ₹1.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Real Touch Finance stock overvalued right now?
Based on GuruFocus' analysis, Real Touch Finance (BOM:538611) is currently considered Possible Value Trap. The stock's GF Value™ is ₹80.84, compared to a current price of ₹44.95 — trading 44.4% below its estimated fair value. The current E10 is ₹1.81. Real Touch Finance's overall GF Score™ is 67/100 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 Real Touch Finance (BOM:538611), the current E10 is ₹1.81 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 Real Touch Finance (BOM:538611) Overvalued in 2026?

Based on GuruFocus' analysis, Real Touch Finance stock appears to be undervalued. The current stock price of ₹44.95 is trading 44.4% below its estimated GF Value™ of ₹80.84. GuruFocus considers Real Touch Finance to be Possible Value Trap.

Key valuation signals for BOM:538611:

  • E10: ₹1.81
  • GF Value™: ₹80.84 vs. price of ₹44.95 (44.4% below fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the BOM:538611 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Real Touch Finance Business Description

Address No.480 Anna Salai, 1st Street, 3rd Floor, Khivraj Complex - I, Nandanam, Chennai, TN, IND, 600035
Real Touch Finance Ltd is a non-banking finance company. The Company is engaged in providing loans for business purposes against property mortgage, financial institutions lending and personal loans. The company operates in India and derives primary revenue from the interest income.
67GF Score

Get the complete analysis for BOM:538611

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

₹44.95
Price
₹80.84
GF Value