Housing & Urban Development (BOM:540530) E10: ₹11.93 (As of Mar. 2026)


BOM:540530 Housing & Urban Development Corp Ltd BOM:540530
74 GF Score
Price ₹215.50
GF Value ₹248.19
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Housing & Urban Development E10?

Housing & Urban Development BOM:540530 +3.86% 74 E10 is ₹11.93 as of Mar. 2026. GuruFocus rates BOM:540530 with a GF Score™ of 74/100 and a GF Value™ of ₹248.19 (Modestly Undervalued). 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.

Housing & Urban Development's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹9.900. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹11.93 for the trailing ten years ended in Mar. 2026.

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 (2026-07-06), Housing & Urban Development's current stock price is ₹215.50. Housing & Urban Development's E10 for the quarter that ended in Mar. 2026 was ₹11.93. Housing & Urban Development's Shiller PE Ratio of today is 18.06.

During the past 13 years, the highest Shiller PE Ratio of Housing & Urban Development was 19.43. The lowest was 14.07. And the median was 17.28.


Housing & Urban Development  (BOM:540530) 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.

Housing & Urban Development's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=215.50/11.93
=18.06

* 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 Housing & Urban Development was 19.43. The lowest was 14.07. And the median was 17.28.


Be Aware

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


Housing & Urban Development E10 Related Terms


Housing & Urban Development E10 Historical Data

* Premium members only.

The historical data trend for Housing & Urban Development'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.

Housing & Urban Development E10 Chart

Housing & Urban Development 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 0.00 11.93

Housing & Urban Development 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 0.00 0.00 0.00 0.00 11.93

BOM:540530 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Housing & Urban Development'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.


Housing & Urban Development Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Housing & Urban Development's Shiller PE Ratio falls into.


BOM:540530
74GF Score
Housing & Urban Development Corp Ltd BOM:540530
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Housing & Urban Development 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, Housing & Urban Development'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)
=9.9/164.2724*164.2724
=9.900

Current CPI (Mar. 2026) = 164.2724.

Housing & Urban Development Quarterly Data

per share eps CPI Adj_EPS
201203 0.000 76.889 0.000
201303 0.000 85.687 0.000
201403 0.000 91.425 0.000
201503 0.000 97.163 0.000
201603 0.000 102.518 0.000
201609 0.000 105.961 0.000
201703 0.000 105.196 0.000
201803 0.000 109.786 0.000
201806 1.700 111.317 2.509
201809 1.410 115.142 2.012
201812 1.640 115.142 2.340
201903 1.180 118.202 1.640
201906 1.680 120.880 2.283
201909 3.630 123.175 4.841
201912 1.030 126.235 1.340
202003 2.200 124.705 2.898
202006 1.020 127.000 1.319
202009 2.280 130.118 2.878
202012 1.960 130.889 2.460
202103 2.630 131.771 3.279
202106 2.020 134.084 2.475
202109 1.850 135.847 2.237
202112 0.970 138.161 1.153
202203 3.730 138.822 4.414
202206 2.060 142.347 2.377
202209 1.980 144.661 2.248
202212 1.270 145.763 1.431
202303 3.190 146.865 3.568
202306 2.230 150.280 2.438
202309 2.260 151.492 2.451
202312 2.590 152.924 2.782
202403 3.490 153.035 3.746
202406 2.790 155.789 2.942
202409 3.440 157.882 3.579
202412 3.670 158.323 3.808
202503 3.640 157.552 3.795
202506 3.150 159.755 3.239
202509 3.550 162.289 3.593
202512 3.560 163.281 3.582
202603 9.900 164.272 9.900

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 ₹11.93 mean?
Housing & Urban Development (BOM:540530) has a E10 of ₹11.93 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Housing & Urban Development and its competitors.
Is Housing & Urban Development's E10 too high?
Housing & Urban Development's current E10 is ₹11.93. Overall, Housing & Urban Development has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Urban Development's E10 compare to V and MA?
Housing & Urban Development's E10 of ₹11.93 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 Housing & Urban Development and its competitors. Housing & Urban Development's current E10 is ₹11.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Urban Development stock overvalued right now?
Based on GuruFocus' analysis, Housing & Urban Development (BOM:540530) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹248.19, compared to a current price of ₹215.50 — trading 13.2% below its estimated fair value. The current E10 is ₹11.93. Housing & Urban Development's overall GF Score™ is 74/100 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 Housing & Urban Development (BOM:540530), the current E10 is ₹11.93 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 Housing & Urban Development (BOM:540530) Overvalued in 2026?

Based on GuruFocus' analysis, Housing & Urban Development stock appears to be undervalued. The current stock price of ₹215.50 is trading 13.2% below its estimated GF Value™ of ₹248.19. GuruFocus considers Housing & Urban Development to be Modestly Undervalued.

Key valuation signals for BOM:540530:

  • E10: ₹11.93
  • GF Value™: ₹248.19 vs. price of ₹215.50 (13.2% below fair value)
  • GF Score™: 74/100 with 7 warning signs

No single metric tells the full story. See the BOM:540530 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Housing & Urban Development Business Description

Other Exchanges HUDCO:India
Address Lodhi Road, Core-7-A, HUDCO Bhawan, India Habitat Centre, New Delhi, IND, 110003
Housing & Urban Development Corp Ltd is engaged in providing long-term finance for the construction of houses for residential purposes or finances or undertaking housing and urban infrastructure development programs. The company provides loans for projects like water supply, roads and transport, power, social infrastructure, sewerage, drainage, solid waste management, and others.
74GF Score

Get the complete analysis for BOM:540530

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

₹215.50
Price
₹248.19
GF Value