CRDIY (Yokohama Financial Group) E10: $1.20 (As of Mar. 2026)

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CRDIY Yokohama Financial Group Inc CRDIY
48 GF Score
Price $35.52
GF Value $21.68
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Yokohama Financial Group E10?

Yokohama Financial Group CRDIY +3.38% 48 E10 is $1.20 as of Mar. 2026. GuruFocus rates CRDIY with a GF Score™ of 48/100 and a GF Value™ of $21.68 (Significantly Overvalued). The stock has 6 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.

Yokohama Financial Group's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.365. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.20 for the trailing ten years ended in Mar. 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 (2026-08-22), Yokohama Financial Group's current stock price is $35.52. Yokohama Financial Group's E10 for the quarter that ended in Mar. 2026 was $1.20. Yokohama Financial Group's Shiller PE Ratio of today is 29.60.

During the past 10 years, the highest Shiller PE Ratio of Yokohama Financial Group was 31.53. The lowest was 23.01. And the median was 27.32.


Yokohama Financial Group  (OTCPK:CRDIY) 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.

Yokohama Financial Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=35.52/1.20
=29.60

* 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 10 years, the highest Shiller P/E Ratio of Yokohama Financial Group was 31.53. The lowest was 23.01. And the median was 27.32.


Be Aware

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


Yokohama Financial Group E10 Related Terms


Yokohama Financial Group E10 Historical Data

* Premium members only.

The historical data trend for Yokohama Financial Group'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.

Yokohama Financial Group E10 Chart

Yokohama Financial Group 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 1.20

Yokohama Financial Group 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 0.00 1.20 0.00

Yokohama Financial Group E10 Competitor Comparison

For the Banks - Regional subindustry, Yokohama Financial Group'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.


Yokohama Financial Group Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Yokohama Financial Group's Shiller PE Ratio falls into.


CRDIY
48GF Score
Yokohama Financial Group Inc CRDIY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Yokohama Financial Group 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, Yokohama Financial Group'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)
=0.365/112.7000*112.7000
=0.365

Current CPI (Mar. 2026) = 112.7000.

Yokohama Financial Group Quarterly Data

per share eps CPI Adj_EPS
201606 1.669 98.100 1.917
201609 0.379 98.000 0.436
201612 0.306 98.400 0.350
201703 0.391 98.100 0.449
201706 0.413 98.500 0.473
201709 0.322 98.800 0.367
201712 0.335 99.400 0.380
201803 0.356 99.200 0.404
201806 0.331 99.200 0.376
201809 0.343 99.900 0.387
201812 0.331 99.700 0.374
201903 0.165 99.700 0.187
201906 0.340 99.800 0.384
201909 0.347 100.100 0.391
201912 0.252 100.500 0.283
202003 0.127 100.300 0.143
202006 0.264 99.900 0.298
202009 0.290 99.900 0.327
202012 0.287 99.300 0.326
202103 -0.238 99.900 -0.268
202106 0.468 99.500 0.530
202109 0.342 100.100 0.385
202112 0.309 100.100 0.348
202203 0.081 101.100 0.090
202206 0.326 101.800 0.361
202209 0.213 103.100 0.233
202212 0.308 104.100 0.333
202303 0.198 104.400 0.214
202306 0.368 105.200 0.394
202309 0.302 106.200 0.320
202312 0.286 106.800 0.302
202403 0.224 107.200 0.235
202406 0.370 108.200 0.385
202409 0.390 108.900 0.404
202412 0.312 110.700 0.318
202503 0.353 111.100 0.358
202506 0.492 111.700 0.496
202509 0.498 112.000 0.501
202512 0.510 113.000 0.509
202603 0.365 112.700 0.365

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 $1.20 mean?
Yokohama Financial Group (CRDIY) has a E10 of $1.20 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Yokohama Financial Group and its competitors.
Is Yokohama Financial Group's E10 too high?
Yokohama Financial Group's current E10 is $1.20. Overall, Yokohama Financial Group has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Yokohama Financial Group's E10 compare to competitors?
Yokohama Financial Group's E10 of $1.20 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 Yokohama Financial Group and its competitors. Yokohama Financial Group's current E10 is $1.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yokohama Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Yokohama Financial Group (CRDIY) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.68, compared to a current price of $35.52 — trading 63.8% above its estimated fair value. The current E10 is $1.20. Yokohama Financial Group's overall GF Score™ is 48/100 with 6 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 Yokohama Financial Group (CRDIY), the current E10 is $1.20 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 Yokohama Financial Group (CRDIY) Overvalued in 2026?

Based on GuruFocus' analysis, Yokohama Financial Group stock appears to be overvalued. The current stock price of $35.52 is trading 63.8% above its estimated GF Value™ of $21.68. GuruFocus considers Yokohama Financial Group to be Significantly Overvalued.

Key valuation signals for CRDIY:

  • E10: $1.20
  • GF Value™: $21.68 vs. price of $35.52 (63.8% above fair value)
  • GF Score™: 48/100 with 6 warning signs

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


Yokohama Financial Group Business Description

Address 7-1, Nihonbashi 2-chome, Tokyo Nihonbashi Tower, 34th Floor, Chuo-ku, Tokyo, JPN, 103-6034
Yokohama Financial Group Inc is a holding company through its subsidiaries, providing management services to related firms. The company provides different banking and financial services through its subsidiaries. The company also shares corporate customer information among its companies to develop financial products, offer suitable services, and strengthen customer support.
48GF Score

Get the complete analysis for CRDIY

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

$35.52
Price
$21.68
GF Value