Seven Bank (FRA:0S7) E10: €0.11 (As of Mar. 2026)


FRA:0S7 Seven Bank Ltd FRA:0S7
77 GF Score
Price €1.47
GF Value €1.91
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Seven Bank E10?

Seven Bank FRA:0S7 77 E10 is €0.11 as of Mar. 2026. GuruFocus rates FRA:0S7 with a GF Score™ of 77/100 and a GF Value™ of €1.91 (Modestly Undervalued). 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.

Seven Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.022. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.11 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Seven Bank's average E10 Growth Rate was -3.90% per year. During the past 3 years, the average E10 Growth Rate was 1.00% per year. During the past 5 years, the average E10 Growth Rate was 2.10% 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 Seven Bank was 3.70% per year. The lowest was 1.00% per year. And the median was 3.00% per year.

As of today (2026-06-29), Seven Bank's current stock price is €1.47. Seven Bank's E10 for the quarter that ended in Mar. 2026 was €0.11. Seven Bank's Shiller PE Ratio of today is 13.36.

During the past 13 years, the highest Shiller PE Ratio of Seven Bank was 22.64. The lowest was 11.61. And the median was 13.74.


Seven Bank  (FRA:0S7) 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.

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

Shiller PE Ratio=Share Price/E10
=1.47/0.11
=13.36

* 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 Seven Bank was 22.64. The lowest was 11.61. And the median was 13.74.


Be Aware

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


Seven Bank E10 Related Terms


Seven Bank E10 Historical Data

* Premium members only.

The historical data trend for Seven 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.

Seven Bank E10 Chart

Seven Bank 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 0.14 0.13 0.13 0.13 0.11

Seven 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 0.13 0.12 0.12 0.11 0.11

Seven Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Seven 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.


Seven Bank Shiller PE Ratio vs Banks Industry

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

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


FRA:0S7
77GF Score
Seven Bank Ltd FRA:0S7
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Seven 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, Seven 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)
=0.022/112.7000*112.7000
=0.022

Current CPI (Mar. 2026) = 112.7000.

Seven Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.045 98.100 0.052
201609 0.048 98.000 0.055
201612 0.046 98.400 0.053
201703 0.038 98.100 0.044
201706 0.045 98.500 0.051
201709 0.043 98.800 0.049
201712 0.044 99.400 0.050
201803 0.030 99.200 0.034
201806 0.043 99.200 0.049
201809 -0.044 99.900 -0.050
201812 0.051 99.700 0.058
201903 0.038 99.700 0.043
201906 0.052 99.800 0.059
201909 0.039 100.100 0.044
201912 0.054 100.500 0.061
202003 0.038 100.300 0.043
202006 0.047 99.900 0.053
202009 0.051 99.900 0.058
202012 0.048 99.300 0.054
202103 0.030 99.900 0.034
202106 0.035 99.500 0.040
202109 0.036 100.100 0.041
202112 0.034 100.100 0.038
202203 0.032 101.100 0.036
202206 0.030 101.800 0.033
202209 0.029 103.100 0.032
202212 0.033 104.100 0.036
202303 0.021 104.400 0.023
202306 0.029 105.200 0.031
202309 0.147 106.200 0.156
202312 0.022 106.800 0.023
202403 -0.024 107.200 -0.025
202406 0.023 108.200 0.024
202409 0.034 108.900 0.035
202412 0.021 110.700 0.021
202503 0.017 111.100 0.017
202506 0.022 111.700 0.022
202509 0.033 112.000 0.033
202512 -0.007 113.000 -0.007
202603 0.022 112.700 0.022

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 €0.11 mean?
Seven Bank (FRA:0S7) has a E10 of €0.11 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Seven Bank and its competitors.
Is Seven Bank's E10 too high?
Seven Bank's current E10 is €0.11. Overall, Seven Bank has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's E10 compare to competitors?
Seven Bank's E10 of €0.11 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 Seven Bank and its competitors. Seven Bank's current E10 is €0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Based on GuruFocus' analysis, Seven Bank (FRA:0S7) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.91, compared to a current price of €1.47 — trading 23% below its estimated fair value. The current E10 is €0.11. Seven Bank's overall GF Score™ is 77/100 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 Seven Bank (FRA:0S7), the current E10 is €0.11 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 Seven Bank (FRA:0S7) Overvalued in 2026?

Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued. The current stock price of €1.47 is trading 23% below its estimated GF Value™ of €1.91. GuruFocus considers Seven Bank to be Modestly Undervalued.

Key valuation signals for FRA:0S7:

  • E10: €0.11
  • GF Value™: €1.91 vs. price of €1.47 (23% below fair value)
  • GF Score™: 77/100 with 2 warning signs

No single metric tells the full story. See the FRA:0S7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Seven Bank Business Description

Other Exchanges SVNBY:USA8410:Japan
Address 6-1 Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
77GF Score

Get the complete analysis for FRA:0S7

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

€1.47
Price
€1.91
GF Value