Gilada Finance & Investments (BOM:538788) E10: ₹1.30 (As of Mar. 2026)

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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.
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Charlie Tian
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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:538788 Gilada Finance & Investments Ltd BOM:538788
75 GF Score
Price ₹14.16
GF Value ₹14.81
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Gilada Finance & Investments E10?

Gilada Finance & Investments BOM:538788 +5.12% 75 E10 is ₹1.30 as of Mar. 2026. GuruFocus rates BOM:538788 with a GF Score™ of 75/100 and a GF Value™ of ₹14.81 (Fairly Valued). 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.

Gilada Finance & Investments's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.330. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹1.30 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Gilada Finance & Investments's average E10 Growth Rate was 9.20% 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 (2026-07-26), Gilada Finance & Investments's current stock price is ₹14.16. Gilada Finance & Investments's E10 for the quarter that ended in Mar. 2026 was ₹1.30. Gilada Finance & Investments's Shiller PE Ratio of today is 10.89.

During the past 13 years, the highest Shiller PE Ratio of Gilada Finance & Investments was 17.27. The lowest was 9.12. And the median was 10.41.


Gilada Finance & Investments  (BOM:538788) 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.

Gilada Finance & Investments's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=14.16/1.30
=10.89

* 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 Gilada Finance & Investments was 17.27. The lowest was 9.12. And the median was 10.41.


Be Aware

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


Gilada Finance & Investments E10 Related Terms


Gilada Finance & Investments E10 Historical Data

* Premium members only.

The historical data trend for Gilada Finance & Investments'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.

Gilada Finance & Investments E10 Chart

Gilada Finance & Investments 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 0.00 1.19 1.30

Gilada Finance & Investments 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 1.19 1.22 1.26 1.28 1.30

BOM:538788 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Gilada Finance & Investments'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.


Gilada Finance & Investments Shiller PE Ratio vs Credit Services Industry

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

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


BOM:538788
75GF Score
Gilada Finance & Investments Ltd BOM:538788
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gilada Finance & Investments 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, Gilada Finance & Investments'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)
=0.33/164.2724*164.2724
=0.330

Current CPI (Mar. 2026) = 164.2724.

Gilada Finance & Investments Quarterly Data

per share eps CPI Adj_EPS
201606 0.213 105.961 0.330
201609 0.203 105.961 0.315
201612 0.185 105.196 0.289
201703 0.193 105.196 0.301
201706 0.213 107.109 0.327
201709 0.438 109.021 0.660
201712 0.168 109.404 0.252
201803 0.045 109.786 0.067
201806 0.174 111.317 0.257
201809 0.150 115.142 0.214
201812 0.108 115.142 0.154
201903 0.023 118.202 0.032
201906 0.213 120.880 0.289
201909 0.163 123.175 0.217
201912 0.201 126.235 0.262
202003 0.067 124.705 0.088
202006 0.100 127.000 0.129
202009 0.215 130.118 0.271
202012 0.433 130.889 0.543
202103 -0.018 131.771 -0.022
202106 0.163 134.084 0.200
202109 0.215 135.847 0.260
202112 0.140 138.161 0.166
202203 0.432 138.822 0.511
202206 0.220 142.347 0.254
202209 0.250 144.661 0.284
202212 0.250 145.763 0.282
202303 0.360 146.865 0.403
202306 0.310 150.280 0.339
202309 0.430 151.492 0.466
202312 0.430 152.924 0.462
202403 0.040 153.035 0.043
202406 0.390 155.789 0.411
202409 0.390 157.882 0.406
202412 0.350 158.323 0.363
202503 1.520 157.552 1.585
202506 0.390 159.755 0.401
202509 0.400 162.289 0.405
202512 0.430 163.281 0.433
202603 0.330 164.272 0.330

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 ₹1.30 mean?
Gilada Finance & Investments (BOM:538788) has a E10 of ₹1.30 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Gilada Finance & Investments and its competitors.
Is Gilada Finance & Investments' E10 too high?
Gilada Finance & Investments' current E10 is ₹1.30. Overall, Gilada Finance & Investments has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Gilada Finance & Investments' E10 compare to V and MA?
Gilada Finance & Investments' E10 of ₹1.30 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 Gilada Finance & Investments and its competitors. Gilada Finance & Investments's current E10 is ₹1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gilada Finance & Investments stock overvalued right now?
Based on GuruFocus' analysis, Gilada Finance & Investments (BOM:538788) is currently considered Fairly Valued. The stock's GF Value™ is ₹14.81, compared to a current price of ₹14.16 — trading 4.4% below its estimated fair value. The current E10 is ₹1.30. Gilada Finance & Investments' overall GF Score™ is 75/100 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 Gilada Finance & Investments (BOM:538788), the current E10 is ₹1.30 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 Gilada Finance & Investments (BOM:538788) Overvalued in 2026?

Based on GuruFocus' analysis, Gilada Finance & Investments stock appears to be undervalued. The current stock price of ₹14.16 is trading 4.4% below its estimated GF Value™ of ₹14.81. GuruFocus considers Gilada Finance & Investments to be Fairly Valued.

Key valuation signals for BOM:538788:

  • E10: ₹1.30
  • GF Value™: ₹14.81 vs. price of ₹14.16 (4.4% below fair value)
  • GF Score™: 75/100 with 6 warning signs

No single metric tells the full story. See the BOM:538788 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gilada Finance & Investments Business Description

Address 37, Bhoopsandra Main Road, No. 105, R.R. Takt, Sanjaynagar, Bengaluru, IND, 560094
Gilada Finance & Investments Ltd is an India based company. The business operates in one segment which is Vehicle small business loans and mortgage loans. The service line of the company consists of hire purchase, leasing, mortgage loans, short-term finance, and loan syndication. The company receives maximum revenue from finance charges on hypothecated loans. Geographically, the company offers its services only in India.
75GF Score

Get the complete analysis for BOM:538788

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

₹14.16
Price
₹14.81
GF Value