Mudra Financial Services (BOM:539819) E10: ₹0.83 (As of Mar. 2026)

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BOM:539819 Mudra Financial Services Ltd BOM:539819
65 GF Score
Price ₹4.73
GF Value ₹4.27
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Mudra Financial Services E10?

Mudra Financial Services BOM:539819 65 E10 is ₹0.83 as of Mar. 2026. GuruFocus rates BOM:539819 with a GF Score™ of 65/100 and a GF Value™ of ₹4.27 (Modestly Overvalued). 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.

Mudra Financial Services's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.150. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹0.83 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Mudra Financial Services's average E10 Growth Rate was 1.20% per year. During the past 3 years, the average E10 Growth Rate was 2.10% 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 Mudra Financial Services was 2.10% per year. The lowest was -2.00% per year. And the median was 0.05% per year.

As of today (2026-08-07), Mudra Financial Services's current stock price is ₹4.73. Mudra Financial Services's E10 for the quarter that ended in Mar. 2026 was ₹0.83. Mudra Financial Services's Shiller PE Ratio of today is 5.70.

During the past 13 years, the highest Shiller PE Ratio of Mudra Financial Services was 5.71. The lowest was 4.59. And the median was 5.00.


Mudra Financial Services  (BOM:539819) 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.

Mudra Financial Services's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.73/0.83
=5.70

* 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 Mudra Financial Services was 5.71. The lowest was 4.59. And the median was 5.00.


Be Aware

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


Mudra Financial Services E10 Related Terms


Mudra Financial Services E10 Historical Data

* Premium members only.

The historical data trend for Mudra Financial Services'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.

Mudra Financial Services E10 Chart

Mudra Financial Services 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 0.87 0.78 0.81 0.82 0.83

Mudra Financial Services 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 0.82 0.82 0.81 0.77 0.83

BOM:539819 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Mudra Financial Services'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.


Mudra Financial Services Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Mudra Financial Services's Shiller PE Ratio falls into.


BOM:539819
65GF Score
Mudra Financial Services Ltd BOM:539819
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mudra Financial Services 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, Mudra Financial Services'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)
=0.15/164.2724*164.2724
=0.150

Current CPI (Mar. 2026) = 164.2724.

Mudra Financial Services Quarterly Data

per share eps CPI Adj_EPS
201606 0.090 105.961 0.140
201609 0.190 105.961 0.295
201612 0.340 105.196 0.531
201703 -0.260 105.196 -0.406
201706 0.220 107.109 0.337
201709 0.170 109.021 0.256
201712 0.220 109.404 0.330
201803 0.010 109.786 0.015
201806 -0.040 111.317 -0.059
201809 0.250 115.142 0.357
201812 0.127 115.142 0.181
201903 -0.041 118.202 -0.057
201906 0.380 120.880 0.516
201909 0.440 123.175 0.587
201912 0.140 126.235 0.182
202003 -0.010 124.705 -0.013
202006 0.410 127.000 0.530
202009 0.460 130.118 0.581
202012 1.410 130.889 1.770
202103 -0.230 131.771 -0.287
202106 0.010 134.084 0.012
202109 0.440 135.847 0.532
202112 0.040 138.161 0.048
202203 0.130 138.822 0.154
202206 -0.030 142.347 -0.035
202209 0.150 144.661 0.170
202212 0.070 145.763 0.079
202303 0.020 146.865 0.022
202306 0.260 150.280 0.284
202309 0.003 151.492 0.003
202312 0.320 152.924 0.344
202403 0.020 153.035 0.021
202406 0.210 155.789 0.221
202409 0.270 157.882 0.281
202412 0.310 158.323 0.322
202503 -0.280 157.552 -0.292
202506 0.190 159.755 0.195
202509 0.030 162.289 0.030
202512 -0.050 163.281 -0.050
202603 0.150 164.272 0.150

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 ₹0.83 mean?
Mudra Financial Services (BOM:539819) has a E10 of ₹0.83 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mudra Financial Services and its competitors.
Is Mudra Financial Services' E10 too high?
Mudra Financial Services' current E10 is ₹0.83. Overall, Mudra Financial Services has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mudra Financial Services' E10 compare to V and MA?
Mudra Financial Services' E10 of ₹0.83 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 Mudra Financial Services and its competitors. Mudra Financial Services's current E10 is ₹0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mudra Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Mudra Financial Services (BOM:539819) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹4.27, compared to a current price of ₹4.73 — trading 10.8% above its estimated fair value. The current E10 is ₹0.83. Mudra Financial Services' overall GF Score™ is 65/100 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 Mudra Financial Services (BOM:539819), the current E10 is ₹0.83 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 Mudra Financial Services (BOM:539819) Overvalued in 2026?

Based on GuruFocus' analysis, Mudra Financial Services stock appears to be overvalued. The current stock price of ₹4.73 is trading 10.8% above its estimated GF Value™ of ₹4.27. GuruFocus considers Mudra Financial Services to be Modestly Overvalued.

Key valuation signals for BOM:539819:

  • E10: ₹0.83
  • GF Value™: ₹4.27 vs. price of ₹4.73 (10.8% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BOM:539819 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mudra Financial Services Business Description

Address Azad Road, Above Central Bank of India, 3rd Floor, B Wing, Vaastu Darshan, Andheri (East), Mumbai, MH, IND, 400069
Mudra Financial Services Ltd is an Indian-based non-banking financial company. It is engaged in the business of trading and investment in shares, granting of loans & advances to various segments of the industry, and other financial activities. Business profile of company includes: Arranging for Discount of LC/Non LC backed suppliers bills, Arranging for Buyers credit in Foreign Exchange, Arranging for ECB's for project specific basis, yndication from Term Loan/Working Capital from Financial Institutions, Nationalised Banks, Co-operative Banks, Preparation of Project Feasibility Report, Arranging of Corporate Loans from Banks for Listed/Semi Government Organisations, Corporate Debt Re-structuring and one time settlement for Corporates.
65GF Score

Get the complete analysis for BOM:539819

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

₹4.73
Price
₹4.27
GF Value