IFIC Bank (DHA:IFIC) E10: BDT-0.65 (As of Mar. 2026)


DHA:IFIC IFIC Bank PLC DHA:IFIC
39 GF Score
Price BDT5.00
GF Value BDT3.05
Valuation Significantly Overvalued
! 1 Warning Sign
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What is IFIC Bank E10?

IFIC Bank DHA:IFIC -1.96% 39 E10 is BDT-0.65 as of Mar. 2026. GuruFocus rates DHA:IFIC with a GF Score™ of 39/100 and a GF Value™ of BDT3.05 (Significantly Overvalued). The stock has 1 warning sign 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.

IFIC Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was BDT-4.480. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is BDT-0.65 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 (2026-06-26), IFIC Bank's current stock price is BDT5.00. IFIC Bank's E10 for the quarter that ended in Mar. 2026 was BDT-0.65. IFIC Bank's Shiller PE Ratio of today is .

During the past 11 years, the highest Shiller PE Ratio of IFIC Bank was 25.22. The lowest was 16.96. And the median was 20.87.


IFIC Bank  (DHA:IFIC) 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.

During the past 11 years, the highest Shiller P/E Ratio of IFIC Bank was 25.22. The lowest was 16.96. And the median was 20.87.


Be Aware

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


IFIC Bank E10 Related Terms


IFIC Bank E10 Historical Data

* Premium members only.

The historical data trend for IFIC Bank'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.

IFIC Bank E10 Chart

IFIC Bank 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 0.00 -0.17

IFIC Bank 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 0.00 0.00 0.23 -0.17 -0.65

IFIC Bank E10 Competitor Comparison

For the Banks - Regional subindustry, IFIC Bank'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.


IFIC Bank Shiller PE Ratio vs Banks Industry

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

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


DHA:IFIC
39GF Score
IFIC Bank PLC DHA:IFIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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IFIC Bank 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, IFIC Bank'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)
=-4.48/330.2130*330.2130
=-4.480

Current CPI (Mar. 2026) = 330.2130.

IFIC Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.578 241.018 0.792
201609 0.267 241.428 0.365
201612 0.267 241.432 0.365
201703 0.162 243.801 0.219
201706 0.272 244.955 0.367
201709 0.286 246.819 0.383
201712 0.529 246.524 0.709
201803 0.188 249.554 0.249
201806 0.115 251.989 0.151
201809 0.115 252.439 0.150
201812 0.444 251.233 0.584
201903 0.329 254.202 0.427
201906 0.444 256.143 0.572
201909 0.337 256.759 0.433
201912 0.362 256.974 0.465
202003 0.371 258.115 0.475
202006 0.080 257.797 0.102
202009 0.186 260.280 0.236
202012 -0.047 260.474 -0.060
202103 0.389 264.877 0.485
202106 0.418 271.696 0.508
202109 0.307 274.310 0.370
202112 0.204 278.802 0.242
202203 0.167 287.504 0.192
202206 0.314 296.311 0.350
202209 0.400 296.808 0.445
202212 0.913 296.797 1.016
202303 0.324 301.836 0.354
202306 0.240 305.109 0.260
202309 0.110 307.789 0.118
202312 0.890 306.746 0.958
202403 0.210 312.332 0.222
202406 0.120 314.175 0.126
202409 0.040 315.301 0.042
202412 -0.994 315.605 -1.040
202503 -2.600 319.799 -2.685
202506 -3.270 322.561 -3.348
202509 -3.530 324.800 -3.589
202512 -3.922 324.054 -3.997
202603 -4.480 330.213 -4.480

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 BDT-0.65 mean?
IFIC Bank (DHA:IFIC) has a E10 of BDT-0.65 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on IFIC Bank and its competitors.
Is IFIC Bank's E10 too high?
IFIC Bank's current E10 is BDT-0.65. Overall, IFIC Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's E10 compare to competitors?
IFIC Bank's E10 of BDT-0.65 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 IFIC Bank and its competitors. IFIC Bank's current E10 is BDT-0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
Based on GuruFocus' analysis, IFIC Bank (DHA:IFIC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT3.05, compared to a current price of BDT5.00 — trading 63.9% above its estimated fair value. The current E10 is BDT-0.65. IFIC Bank's overall GF Score™ is 39/100 with 1 warning sign 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 IFIC Bank (DHA:IFIC), the current E10 is BDT-0.65 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 IFIC Bank (DHA:IFIC) Overvalued in 2026?

Based on GuruFocus' analysis, IFIC Bank stock appears to be overvalued. The current stock price of BDT5.00 is trading 63.9% above its estimated GF Value™ of BDT3.05. GuruFocus considers IFIC Bank to be Significantly Overvalued.

Key valuation signals for DHA:IFIC:

  • E10: BDT-0.65
  • GF Value™: BDT3.05 vs. price of BDT5.00 (63.9% above fair value)
  • GF Score™: 39/100 with 1 warning sign

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


IFIC Bank Business Description

Address 61 Purana Paltan, GPO Box : 2229, IFIC Tower, Dhaka, BGD, 1000
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
39GF Score

Get the complete analysis for DHA:IFIC

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

BDT5.00
Price
BDT3.05
GF Value