Banco Patagonia (BUE:BPAT) E10: ARS99.95 (As of Mar. 2026)


BUE:BPAT Banco Patagonia SA BUE:BPAT
56 GF Score
Price ARS2,110.00
GF Value ARS1,462.51
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Banco Patagonia E10?

Banco Patagonia BUE:BPAT +0.24% 56 E10 is ARS99.95 as of Mar. 2026. GuruFocus rates BUE:BPAT with a GF Score™ of 56/100 and a GF Value™ of ARS1,462.51 (Significantly Overvalued). 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.

Banco Patagonia's adjusted earnings per share data for the three months ended in Mar. 2026 was ARS28.658. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ARS99.95 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Patagonia's average E10 Growth Rate was 16.50% per year. During the past 3 years, the average E10 Growth Rate was 78.70% per year. During the past 5 years, the average E10 Growth Rate was 79.10% 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 Banco Patagonia was 104.20% per year. The lowest was 40.60% per year. And the median was 78.70% per year.

As of today (2026-06-28), Banco Patagonia's current stock price is ARS2110.00. Banco Patagonia's E10 for the quarter that ended in Mar. 2026 was ARS99.95. Banco Patagonia's Shiller PE Ratio of today is 21.11.

During the past 13 years, the highest Shiller PE Ratio of Banco Patagonia was 58.38. The lowest was 5.91. And the median was 10.81.


Banco Patagonia  (BUE:BPAT) 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 Patagonia's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=2110.00/99.95
=21.11

* 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 Patagonia was 58.38. The lowest was 5.91. And the median was 10.81.


Be Aware

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


Banco Patagonia E10 Related Terms


Banco Patagonia E10 Historical Data

* Premium members only.

The historical data trend for Banco Patagonia'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 Patagonia E10 Chart

Banco Patagonia 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 9.12 16.73 40.90 77.66 95.42

Banco Patagonia 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 85.81 90.34 92.31 95.42 99.95

BUE:BPAT vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco Patagonia'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 Patagonia Shiller PE Ratio vs Banks Industry

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

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


BUE:BPAT
56GF Score
Banco Patagonia SA BUE:BPAT
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Patagonia 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 Patagonia'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)
=28.658/330.2130*330.2130
=28.658

Current CPI (Mar. 2026) = 330.2130.

Banco Patagonia Quarterly Data

per share eps CPI Adj_EPS
201606 1.144 241.018 1.567
201609 1.170 241.428 1.600
201612 1.093 241.432 1.495
201703 1.046 243.801 1.417
201706 1.268 244.955 1.709
201709 1.187 246.819 1.588
201712 0.759 246.524 1.017
201803 1.377 249.554 1.822
201806 1.595 251.989 2.090
201809 1.877 252.439 2.455
201812 2.591 251.233 3.406
201903 1.782 254.202 2.315
201906 6.488 256.143 8.364
201909 7.802 256.759 10.034
201912 4.298 256.974 5.523
202003 6.817 258.115 8.721
202006 4.407 257.797 5.645
202009 4.664 260.280 5.917
202012 4.160 260.474 5.274
202103 3.216 264.877 4.009
202106 2.842 271.696 3.454
202109 4.855 274.310 5.844
202112 6.165 278.802 7.302
202203 6.255 287.504 7.184
202206 13.955 296.311 15.552
202209 0.468 296.808 0.521
202212 51.008 296.797 56.751
202303 32.783 301.836 35.865
202306 56.712 305.109 61.378
202309 68.524 307.789 73.516
202312 80.545 306.746 86.707
202403 75.544 312.332 79.869
202406 161.639 314.175 169.890
202409 44.156 315.301 46.244
202412 76.835 315.605 80.391
202503 72.259 319.799 74.612
202506 38.817 322.561 39.738
202509 14.517 324.800 14.759
202512 34.679 324.054 35.338
202603 28.658 330.213 28.658

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 ARS99.95 mean?
Banco Patagonia (BUE:BPAT) has a E10 of ARS99.95 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco Patagonia and its competitors.
Is Banco Patagonia's E10 too high?
Banco Patagonia's current E10 is ARS99.95. Overall, Banco Patagonia has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's E10 compare to PNC and USB?
Banco Patagonia's E10 of ARS99.95 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 Patagonia and its competitors. Banco Patagonia's current E10 is ARS99.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS1,462.51, compared to a current price of ARS2,110.00 — trading 44.3% above its estimated fair value. The current E10 is ARS99.95. Banco Patagonia's overall GF Score™ is 56/100 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 Banco Patagonia (BUE:BPAT), the current E10 is ARS99.95 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 Patagonia (BUE:BPAT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued. The current stock price of ARS2,110.00 is trading 44.3% above its estimated GF Value™ of ARS1,462.51. GuruFocus considers Banco Patagonia to be Significantly Overvalued.

Key valuation signals for BUE:BPAT:

  • E10: ARS99.95
  • GF Value™: ARS1,462.51 vs. price of ARS2,110.00 (44.3% above fair value)
  • GF Score™: 56/100 with 2 warning signs

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


Banco Patagonia Business Description

Address Avenida de Mayo 701, 24th Floor, Buenos Aires, ARG
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
56GF Score

Get the complete analysis for BUE:BPAT

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

ARS2,110.00
Price
ARS1,462.51
GF Value