Banco Hipotecario (BUE:BHIP3) E10: ARS0.04 (As of Mar. 2026)


BUE:BHIP3 Banco Hipotecario SA BUE:BHIP3
54 GF Score
Price ARS0.84
GF Value ARS0.67
! 3 Warning Signs
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What is Banco Hipotecario E10?

Banco Hipotecario BUE:BHIP3 54 E10 is ARS0.04 as of Mar. 2026. GuruFocus rates BUE:BHIP3 with a GF Score™ of 54/100 and a GF Value™ of ARS0.67. The stock has 3 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.

Banco Hipotecario's adjusted earnings per share data for the three months ended in Mar. 2026 was ARS-6.809. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ARS0.04 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Hipotecario's average E10 Growth Rate was 14.20% per year. During the past 3 years, the average E10 Growth Rate was 170.90% 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 Banco Hipotecario was 211.80% per year. The lowest was -10.20% per year. And the median was 61.80% per year.

As of today (2026-07-02), Banco Hipotecario's current stock price is ARS0.84. Banco Hipotecario's E10 for the quarter that ended in Mar. 2026 was ARS0.04. Banco Hipotecario's Shiller PE Ratio of today is 21.00.

During the past 13 years, the highest Shiller PE Ratio of Banco Hipotecario was 86.25. The lowest was 10.99. And the median was 30.00.


Banco Hipotecario  (BUE:BHIP3) 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.

Banco Hipotecario's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=0.84/0.04
=21.00

* 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 Banco Hipotecario was 86.25. The lowest was 10.99. And the median was 30.00.


Be Aware

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


Banco Hipotecario E10 Related Terms


Banco Hipotecario E10 Historical Data

* Premium members only.

The historical data trend for Banco Hipotecario'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.

Banco Hipotecario E10 Chart

Banco Hipotecario Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.02 0.04 0.06 0.02 0.03

Banco Hipotecario 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 0.03 0.04 0.07 0.03 0.04

BUE:BHIP3 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco Hipotecario'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.


Banco Hipotecario Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Banco Hipotecario's Shiller PE Ratio falls into.


BUE:BHIP3
54GF Score
Banco Hipotecario SA BUE:BHIP3
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Hipotecario 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, Banco Hipotecario'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)
=-6.809/330.2130*330.2130
=-6.809

Current CPI (Mar. 2026) = 330.2130.

Banco Hipotecario Quarterly Data

per share eps CPI Adj_EPS
201606 0.097 241.018 0.133
201609 0.069 241.428 0.094
201612 0.093 241.432 0.127
201703 0.201 243.801 0.272
201706 0.223 244.955 0.301
201709 0.298 246.819 0.399
201712 0.045 246.524 0.060
201803 0.036 249.554 0.048
201806 0.332 251.989 0.435
201809 0.370 252.439 0.484
201812 0.344 251.233 0.452
201903 -0.851 254.202 -1.105
201906 -0.019 256.143 -0.024
201909 -0.274 256.759 -0.352
201912 -1.277 256.974 -1.641
202003 -0.484 258.115 -0.619
202006 0.609 257.797 0.780
202009 0.170 260.280 0.216
202012 0.692 260.474 0.877
202103 -1.714 264.877 -2.137
202106 -1.239 271.696 -1.506
202109 -1.393 274.310 -1.677
202112 -0.206 278.802 -0.244
202203 1.621 287.504 1.862
202206 2.000 296.311 2.229
202209 1.015 296.808 1.129
202212 6.384 296.797 7.103
202303 9.620 301.836 10.524
202306 9.946 305.109 10.764
202309 4.056 307.789 4.352
202312 55.327 306.746 59.560
202403 15.324 312.332 16.201
202406 11.018 314.175 11.580
202409 12.505 315.301 13.096
202412 30.357 315.605 31.762
202503 -9.687 319.799 -10.002
202506 22.161 322.561 22.687
202509 -12.357 324.800 -12.563
202512 14.092 324.054 14.360
202603 -6.809 330.213 -6.809

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 ARS0.04 mean?
Banco Hipotecario (BUE:BHIP3) has a E10 of ARS0.04 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco Hipotecario and its competitors.
Is Banco Hipotecario's E10 too high?
Banco Hipotecario's current E10 is ARS0.04. Overall, Banco Hipotecario has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's E10 compare to PNC and USB?
Banco Hipotecario's E10 of ARS0.04 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 Banco Hipotecario and its competitors. Banco Hipotecario's current E10 is ARS0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Banco Hipotecario (BUE:BHIP3) has a current E10 of ARS0.04. The stock's GF Value™ is ARS0.67, compared to a current price of ARS0.84 — trading 25.4% above its estimated fair value. The current E10 is ARS0.04. Banco Hipotecario's overall GF Score™ is 54/100 with 3 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 Banco Hipotecario (BUE:BHIP3), the current E10 is ARS0.04 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 Banco Hipotecario (BUE:BHIP3) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued. The current stock price of ARS0.84 is trading 25.4% above its estimated GF Value™ of ARS0.67.

Key valuation signals for BUE:BHIP3:

  • E10: ARS0.04
  • GF Value™: ARS0.67 vs. price of ARS0.84 (25.4% above fair value)
  • GF Score™: 54/100 with 3 warning signs

No single metric tells the full story. See the BUE:BHIP3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Hipotecario Business Description

Other Exchanges BHIP:Argentina
Address Reconquista 151, Buenos Aires, ARG
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
54GF Score

Get the complete analysis for BUE:BHIP3

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

ARS0.84
Price
ARS0.67
GF Value