AU Small Finance Bank (BOM:540611) E10: ₹21.47 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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:540611 AU Small Finance Bank Ltd BOM:540611
83 GF Score
Price ₹1,029.90
GF Value ₹1,060.11
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is AU Small Finance Bank E10?

AU Small Finance Bank BOM:540611 -0.51% 83 E10 is ₹21.47 as of Mar. 2026. GuruFocus rates BOM:540611 with a GF Score™ of 83/100 and a GF Value™ of ₹1,060.11 (Fairly Valued). The stock has 5 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.

AU Small Finance Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹11.010. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹21.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, AU Small Finance Bank's average E10 Growth Rate was 12.40% 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 (2026-07-20), AU Small Finance Bank's current stock price is ₹1029.90. AU Small Finance Bank's E10 for the quarter that ended in Mar. 2026 was ₹21.47. AU Small Finance Bank's Shiller PE Ratio of today is 47.97.

During the past 13 years, the highest Shiller PE Ratio of AU Small Finance Bank was 49.95. The lowest was 28.94. And the median was 43.32.


AU Small Finance Bank  (BOM:540611) 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.

AU Small Finance Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1029.90/21.47
=47.97

* 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 AU Small Finance Bank was 49.95. The lowest was 28.94. And the median was 43.32.


Be Aware

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


AU Small Finance Bank E10 Related Terms


AU Small Finance Bank E10 Historical Data

* Premium members only.

The historical data trend for AU Small Finance Bank'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.

AU Small Finance Bank E10 Chart

AU Small Finance Bank 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 19.10 21.47

AU Small Finance Bank 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 19.10 19.68 20.26 20.77 21.47

AU Small Finance Bank E10 Competitor Comparison

For the Banks - Regional subindustry, AU Small Finance Bank'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.


AU Small Finance Bank Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where AU Small Finance Bank's Shiller PE Ratio falls into.


BOM:540611
83GF Score
AU Small Finance Bank Ltd BOM:540611
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AU Small Finance Bank 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, AU Small Finance Bank'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)
=11.01/164.2724*164.2724
=11.010

Current CPI (Mar. 2026) = 164.2724.

AU Small Finance Bank Quarterly Data

per share eps CPI Adj_EPS
201606 11.025 105.961 17.092
201609 1.300 105.961 2.015
201612 1.490 105.196 2.327
201703 1.371 105.196 2.141
201706 1.060 107.109 1.626
201709 1.170 109.021 1.763
201712 1.350 109.404 2.027
201803 1.420 109.786 2.125
201806 1.310 111.317 1.933
201809 1.540 115.142 2.197
201812 1.605 115.142 2.290
201903 1.990 118.202 2.766
201906 3.205 120.880 4.356
201909 2.895 123.175 3.861
201912 3.175 126.235 4.132
202003 1.895 124.705 2.496
202006 3.260 127.000 4.217
202009 5.235 130.118 6.609
202012 7.770 130.889 9.752
202103 2.725 131.771 3.397
202106 3.220 134.084 3.945
202109 4.400 135.847 5.321
202112 4.770 138.161 5.672
202203 5.460 138.822 6.461
202206 4.220 142.347 4.870
202209 5.240 144.661 5.950
202212 5.870 145.763 6.615
202303 6.340 146.865 7.091
202306 5.770 150.280 6.307
202309 5.980 151.492 6.484
202312 5.580 152.924 5.994
202403 5.540 153.035 5.947
202406 6.740 155.789 7.107
202409 7.650 157.882 7.960
202412 7.080 158.323 7.346
202503 6.750 157.552 7.038
202506 7.780 159.755 8.000
202509 7.480 162.289 7.571
202512 8.870 163.281 8.924
202603 11.010 164.272 11.010

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 ₹21.47 mean?
AU Small Finance Bank (BOM:540611) has a E10 of ₹21.47 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on AU Small Finance Bank and its competitors.
Is AU Small Finance Bank's E10 too high?
AU Small Finance Bank's current E10 is ₹21.47. Overall, AU Small Finance Bank has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AU Small Finance Bank's E10 compare to competitors?
AU Small Finance Bank's E10 of ₹21.47 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 AU Small Finance Bank and its competitors. AU Small Finance Bank's current E10 is ₹21.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AU Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, AU Small Finance Bank (BOM:540611) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,060.11, compared to a current price of ₹1,029.90 — trading 2.8% below its estimated fair value. The current E10 is ₹21.47. AU Small Finance Bank's overall GF Score™ is 83/100 with 5 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 AU Small Finance Bank (BOM:540611), the current E10 is ₹21.47 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 AU Small Finance Bank (BOM:540611) Overvalued in 2026?

Based on GuruFocus' analysis, AU Small Finance Bank stock appears to be undervalued. The current stock price of ₹1,029.90 is trading 2.8% below its estimated GF Value™ of ₹1,060.11. GuruFocus considers AU Small Finance Bank to be Fairly Valued.

Key valuation signals for BOM:540611:

  • E10: ₹21.47
  • GF Value™: ₹1,060.11 vs. price of ₹1,029.90 (2.8% below fair value)
  • GF Score™: 83/100 with 5 warning signs

No single metric tells the full story. See the BOM:540611 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


AU Small Finance Bank Business Description

Other Exchanges AUBANK:India
Address Apparel Park, CP3-232, Industrial Area, Jagatpura, Jaipur, RJ, IND, 302022
AU Small Finance Bank Ltd is engaged in the activities of providing financial services such as personal banking, insurance, retail loans and wholesale banking. The company operates in the business segment namely, Treasury; Retail banking; Wholesale banking; and Other banking operations. It generates maximum revenue from Retail banking segment. The retail banking segment serves retail customers through a branch network and other delivery channels. Revenues of the retail banking segment are derived from interest earned on retail loans, fees from services rendered, and others. Geographically, it operates only in India.
83GF Score

Get the complete analysis for BOM:540611

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

₹1,029.90
Price
₹1,060.11
GF Value