Avarda Bank AB (CHIX:AVARDS) E10: kr5.22 (As of Mar. 2026)


CHIX:AVARDS Avarda Bank AB CHIX:AVARDS
76 GF Score
Price kr177.40
GF Value kr135.51
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Avarda Bank AB E10?

Avarda Bank AB CHIX:AVARDS 76 E10 is kr5.22 as of Mar. 2026. GuruFocus rates CHIX:AVARDS with a GF Score™ of 76/100 and a GF Value™ of kr135.51 (Significantly Overvalued). 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.

Avarda Bank AB's adjusted earnings per share data for the three months ended in Mar. 2026 was kr3.170. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is kr5.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Avarda Bank AB's average E10 Growth Rate was 19.70% 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 (2026-06-26), Avarda Bank AB's current stock price is kr177.40. Avarda Bank AB's E10 for the quarter that ended in Mar. 2026 was kr5.22. Avarda Bank AB's Shiller PE Ratio of today is 33.98.

During the past 13 years, the highest Shiller PE Ratio of Avarda Bank AB was 38.09. The lowest was 19.30. And the median was 28.51.


Avarda Bank AB  (CHIX:AVARDs) 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.

Avarda Bank AB's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=177.40/5.22
=33.98

* 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 Avarda Bank AB was 38.09. The lowest was 19.30. And the median was 28.51.


Be Aware

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


Avarda Bank AB E10 Related Terms


Avarda Bank AB E10 Historical Data

* Premium members only.

The historical data trend for Avarda Bank AB'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.

Avarda Bank AB E10 Chart

Avarda Bank AB 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 0.00 0.00 0.00 1.86 5.38

Avarda Bank AB 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 2.06 2.08 1.40 5.38 5.22

CHIX:AVARDS vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Avarda Bank AB'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.


Avarda Bank AB Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Avarda Bank AB's Shiller PE Ratio falls into.


CHIX:AVARDS
76GF Score
Avarda Bank AB CHIX:AVARDS
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Avarda Bank AB 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, Avarda Bank AB'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)
=3.17/133.3862*133.3862
=3.170

Current CPI (Mar. 2026) = 133.3862.

Avarda Bank AB Quarterly Data

per share eps CPI Adj_EPS
201606 0.337 101.019 0.445
201609 0.567 101.138 0.748
201612 0.543 102.022 0.710
201703 0.530 102.022 0.693
201706 0.587 102.752 0.762
201709 0.623 103.279 0.805
201712 0.607 103.793 0.780
201803 0.577 103.962 0.740
201806 0.637 104.875 0.810
201809 0.720 105.679 0.909
201812 0.983 105.912 1.238
201903 0.760 105.886 0.957
201906 0.817 106.742 1.021
201909 0.897 107.214 1.116
201912 0.860 107.766 1.064
202003 0.500 106.563 0.626
202006 0.800 107.498 0.993
202009 0.843 107.635 1.045
202012 0.893 108.296 1.100
202103 0.947 108.360 1.166
202106 0.970 108.928 1.188
202109 1.093 110.338 1.321
202112 1.173 112.486 1.391
202203 1.203 114.825 1.397
202206 1.250 118.384 1.408
202209 1.287 122.296 1.404
202212 1.347 126.365 1.422
202303 1.367 127.042 1.435
202306 1.407 129.407 1.450
202309 1.517 130.224 1.554
202312 1.553 131.912 1.570
202403 1.680 132.205 1.695
202406 1.810 132.716 1.819
202409 2.170 132.304 2.188
202412 3.680 132.987 3.691
202503 2.150 132.825 2.159
202506 2.240 133.699 2.235
202509 2.700 133.482 2.698
202512 2.830 133.386 2.830
202603 3.170 133.386 3.170

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 kr5.22 mean?
Avarda Bank AB (CHIX:AVARDS) has a E10 of kr5.22 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Avarda Bank AB and its competitors.
Is Avarda Bank AB's E10 too high?
Avarda Bank AB's current E10 is kr5.22. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's E10 compare to PNC and USB?
Avarda Bank AB's E10 of kr5.22 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 Avarda Bank AB and its competitors. Avarda Bank AB's current E10 is kr5.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current E10 is kr5.22. Avarda Bank AB's overall GF Score™ is 76/100 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 Avarda Bank AB (CHIX:AVARDS), the current E10 is kr5.22 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 Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?

Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued. The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51. GuruFocus considers Avarda Bank AB to be Significantly Overvalued.

Key valuation signals for CHIX:AVARDS:

  • E10: kr5.22
  • GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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


Avarda Bank AB Business Description

Address PO Box 947, Boras, SWE, 50110
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score

Get the complete analysis for CHIX:AVARDS

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

kr177.40
Price
kr135.51
GF Value