DBH Finance (DHA:DBH) E10: BDT5.37 (As of Mar. 2026)


DHA:DBH DBH Finance PLC DHA:DBH
67 GF Score
Price BDT41.20
GF Value BDT41.64
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is DBH Finance E10?

DBH Finance DHA:DBH +0.98% 67 E10 is BDT5.37 as of Mar. 2026. GuruFocus rates DHA:DBH with a GF Score™ of 67/100 and a GF Value™ of BDT41.64 (Fairly Valued). The stock has 5 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.

DBH Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was BDT0.970. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is BDT5.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, DBH Finance's average E10 Growth Rate was 2.70% per year. During the past 3 years, the average E10 Growth Rate was 4.20% 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 DBH Finance was 5.90% per year. The lowest was 4.20% per year. And the median was 5.05% per year.

As of today (2026-06-26), DBH Finance's current stock price is BDT41.20. DBH Finance's E10 for the quarter that ended in Mar. 2026 was BDT5.37. DBH Finance's Shiller PE Ratio of today is 7.67.

During the past 13 years, the highest Shiller PE Ratio of DBH Finance was 15.47. The lowest was 5.78. And the median was 8.14.


DBH Finance  (DHA:DBH) 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.

DBH Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=41.20/5.37
=7.67

* 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 DBH Finance was 15.47. The lowest was 5.78. And the median was 8.14.


Be Aware

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


DBH Finance E10 Related Terms


DBH Finance E10 Historical Data

* Premium members only.

The historical data trend for DBH Finance'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.

DBH Finance E10 Chart

DBH Finance Annual Data
Trend Jun16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.44 4.76 5.05 5.27 5.39

DBH Finance 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 5.23 5.30 5.38 5.39 5.37

DHA:DBH vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, DBH Finance'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.


DBH Finance Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where DBH Finance's Shiller PE Ratio falls into.


DHA:DBH
67GF Score
DBH Finance PLC DHA:DBH
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

DBH Finance 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, DBH Finance'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)
=0.97/330.2130*330.2130
=0.970

Current CPI (Mar. 2026) = 330.2130.

DBH Finance Quarterly Data

per share eps CPI Adj_EPS
201606 0.882 241.018 1.208
201609 0.991 241.428 1.355
201612 -1.814 241.432 -2.481
201703 1.820 243.801 2.465
201706 1.039 244.955 1.401
201709 1.099 246.819 1.470
201712 0.721 246.524 0.966
201803 2.030 249.554 2.686
201806 0.872 251.989 1.143
201809 1.097 252.439 1.435
201812 1.169 251.233 1.536
201903 2.061 254.202 2.677
201906 0.821 256.143 1.058
201909 1.163 256.759 1.496
201912 1.246 256.974 1.601
202003 1.276 258.115 1.632
202006 0.061 257.797 0.078
202009 1.354 260.280 1.718
202012 1.702 260.474 2.158
202103 1.529 264.877 1.906
202106 0.923 271.696 1.122
202109 1.547 274.310 1.862
202112 1.144 278.802 1.355
202203 1.528 287.504 1.755
202206 1.176 296.311 1.311
202209 1.176 296.808 1.308
202212 1.127 296.797 1.254
202303 1.314 301.836 1.438
202306 1.127 305.109 1.220
202309 1.176 307.789 1.262
202312 1.263 306.746 1.360
202403 0.853 312.332 0.902
202406 1.160 314.175 1.219
202409 1.640 315.301 1.718
202412 1.318 315.605 1.379
202503 0.770 319.799 0.795
202506 1.300 322.561 1.331
202509 1.600 324.800 1.627
202512 1.020 324.054 1.039
202603 0.970 330.213 0.970

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 BDT5.37 mean?
DBH Finance (DHA:DBH) has a E10 of BDT5.37 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on DBH Finance and its competitors.
Is DBH Finance's E10 too high?
DBH Finance's current E10 is BDT5.37. Overall, DBH Finance has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's E10 compare to V and MA?
DBH Finance's E10 of BDT5.37 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 DBH Finance and its competitors. DBH Finance's current E10 is BDT5.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT41.64, compared to a current price of BDT41.20 — trading 1.1% below its estimated fair value. The current E10 is BDT5.37. DBH Finance's overall GF Score™ is 67/100 with 5 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 DBH Finance (DHA:DBH), the current E10 is BDT5.37 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 DBH Finance (DHA:DBH) Overvalued in 2026?

Based on GuruFocus' analysis, DBH Finance stock appears to be undervalued. The current stock price of BDT41.20 is trading 1.1% below its estimated GF Value™ of BDT41.64. GuruFocus considers DBH Finance to be Fairly Valued.

Key valuation signals for DHA:DBH:

  • E10: BDT5.37
  • GF Value™: BDT41.64 vs. price of BDT41.20 (1.1% below fair value)
  • GF Score™: 67/100 with 5 warning signs

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


DBH Finance Business Description

Address 12-14 Gulshan C/A, Landmark Building, (9th floor, Gulshan-2, Dhaka, BGD, 1212
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
67GF Score

Get the complete analysis for DHA:DBH

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

BDT41.20
Price
BDT41.64
GF Value