Unifinz Capital India (BOM:541358) E10: ₹3.27 (As of Jun. 2026)

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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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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:541358 Unifinz Capital India Ltd BOM:541358
61 GF Score
Price ₹101.00
! 2 Warning Signs
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What is Unifinz Capital India E10?

Unifinz Capital India BOM:541358 61 E10 is ₹3.27 as of Jun. 2026. GuruFocus rates BOM:541358 with a GF Score™ of 61/100. The stock has 2 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.

Unifinz Capital India's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹3.830. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹3.27 for the trailing ten years ended in Jun. 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 (2026-08-28), Unifinz Capital India's current stock price is ₹101.00. Unifinz Capital India's E10 for the quarter that ended in Jun. 2026 was ₹3.27. Unifinz Capital India's Shiller PE Ratio of today is 30.89.

During the past 11 years, the highest Shiller PE Ratio of Unifinz Capital India was 43.67. The lowest was 21.55. And the median was 36.35.


Unifinz Capital India  (BOM:541358) 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.

Unifinz Capital India's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=101.00/3.27
=30.89

* 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 11 years, the highest Shiller P/E Ratio of Unifinz Capital India was 43.67. The lowest was 21.55. And the median was 36.35.


Be Aware

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


Unifinz Capital India E10 Related Terms


Unifinz Capital India E10 Historical Data

* Premium members only.

The historical data trend for Unifinz Capital India'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.

Unifinz Capital India E10 Chart

Unifinz Capital India 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 2.83

Unifinz Capital India Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 2.45 2.83 3.27

BOM:541358 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Unifinz Capital India'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.


Unifinz Capital India Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Unifinz Capital India's Shiller PE Ratio falls into.


BOM:541358
61GF Score
Unifinz Capital India Ltd BOM:541358
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unifinz Capital India 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, Unifinz Capital India's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=3.83/167.3573*167.3573
=3.830

Current CPI (Jun. 2026) = 167.3573.

Unifinz Capital India Quarterly Data

per share eps CPI Adj_EPS
201609 0.006 105.961 0.009
201612 0.003 105.196 0.005
201703 -0.050 105.196 -0.080
201706 0.012 107.109 0.019
201709 0.470 109.021 0.721
201712 0.026 109.404 0.040
201803 -0.204 109.786 -0.311
201806 -0.152 111.317 -0.229
201809 0.184 115.142 0.267
201812 0.538 115.142 0.782
201903 -0.446 118.202 -0.631
201906 -0.058 120.880 -0.080
201909 -0.024 123.175 -0.033
201912 -0.018 126.235 -0.024
202003 0.098 124.705 0.132
202006 0.054 127.000 0.071
202009 0.142 130.118 0.183
202012 0.024 130.889 0.031
202103 0.088 131.771 0.112
202106 0.938 134.084 1.171
202109 0.036 135.847 0.044
202112 0.044 138.161 0.053
202203 -0.348 138.822 -0.420
202206 -0.042 142.347 -0.049
202209 0.256 144.661 0.296
202212 -0.206 145.763 -0.237
202303 -0.358 146.865 -0.408
202306 -0.330 150.280 -0.367
202309 0.442 151.492 0.488
202312 -0.678 152.924 -0.742
202403 -0.156 153.035 -0.171
202406 1.056 155.789 1.134
202409 3.098 157.882 3.284
202412 1.490 158.323 1.575
202503 1.860 157.552 1.976
202506 3.800 159.755 3.981
202509 5.432 162.289 5.602
202512 6.110 163.281 6.263
202603 4.320 164.272 4.401
202606 3.830 167.357 3.830

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 ₹3.27 mean?
Unifinz Capital India (BOM:541358) has a E10 of ₹3.27 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Unifinz Capital India and its competitors.
Is Unifinz Capital India's E10 too high?
Unifinz Capital India's current E10 is ₹3.27. Overall, Unifinz Capital India has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's E10 compare to V and MA?
Unifinz Capital India's E10 of ₹3.27 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 Unifinz Capital India and its competitors. Unifinz Capital India's current E10 is ₹3.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Unifinz Capital India (BOM:541358) has a current E10 of ₹3.27. The current E10 is ₹3.27. Unifinz Capital India's overall GF Score™ is 61/100 with 2 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 Unifinz Capital India (BOM:541358), the current E10 is ₹3.27 as of Jun. 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.

Unifinz Capital India Business Description

Address 24, Nehru Place, 5th Floor, Rajlok Building, New Delhi, IND, 110019
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
61GF Score

Get the complete analysis for BOM:541358

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

₹101.00
Price