BNP Paribas Bank Polska (FRA:82MA) E10: €1.70 (As of Mar. 2026)


FRA:82MA BNP Paribas Bank Polska SA FRA:82MA
77 GF Score
Price €33.60
GF Value €22.27
Valuation Significantly Overvalued
! 3 Warning Signs
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What is BNP Paribas Bank Polska E10?

BNP Paribas Bank Polska FRA:82MA -0.59% 77 E10 is €1.70 as of Mar. 2026. GuruFocus rates FRA:82MA with a GF Score™ of 77/100 and a GF Value™ of €22.27 (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.

BNP Paribas Bank Polska's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.577. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €1.70 for the trailing ten years ended in Mar. 2026.

During the past 12 months, BNP Paribas Bank Polska's average E10 Growth Rate was 30.60% per year. During the past 3 years, the average E10 Growth Rate was 28.80% per year. During the past 5 years, the 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of BNP Paribas Bank Polska was 28.80% per year. The lowest was 7.80% per year. And the median was 14.65% per year.

As of today (2026-07-01), BNP Paribas Bank Polska's current stock price is €33.60. BNP Paribas Bank Polska's E10 for the quarter that ended in Mar. 2026 was €1.70. BNP Paribas Bank Polska's Shiller PE Ratio of today is 19.76.

During the past 13 years, the highest Shiller PE Ratio of BNP Paribas Bank Polska was 30.55. The lowest was 10.51. And the median was 18.75.


BNP Paribas Bank Polska  (FRA:82MA) 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.

BNP Paribas Bank Polska's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=33.60/1.70
=19.76

* 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 BNP Paribas Bank Polska was 30.55. The lowest was 10.51. And the median was 18.75.


Be Aware

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


BNP Paribas Bank Polska E10 Related Terms


BNP Paribas Bank Polska E10 Historical Data

* Premium members only.

The historical data trend for BNP Paribas Bank Polska'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.

BNP Paribas Bank Polska E10 Chart

BNP Paribas Bank Polska 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 0.63 0.74 0.90 1.21 1.74

BNP Paribas Bank Polska 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 1.45 1.55 1.56 1.74 1.70

FRA:82MA vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.


BNP Paribas Bank Polska Shiller PE Ratio vs Banks Industry

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

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


FRA:82MA
77GF Score
BNP Paribas Bank Polska SA FRA:82MA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BNP Paribas Bank Polska 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, BNP Paribas Bank Polska'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)
=0.577/158.3232*158.3232
=0.577

Current CPI (Mar. 2026) = 158.3232.

BNP Paribas Bank Polska Quarterly Data

per share eps CPI Adj_EPS
201606 0.091 99.552 0.145
201609 0.027 99.064 0.043
201612 0.005 100.366 0.008
201703 0.107 101.018 0.168
201706 0.218 101.180 0.341
201709 0.295 101.343 0.461
201712 0.132 102.564 0.204
201803 0.229 102.564 0.353
201806 0.277 103.378 0.424
201809 0.306 103.378 0.469
201812 0.063 103.785 0.096
201903 0.250 104.274 0.380
201906 0.334 105.983 0.499
201909 0.177 105.983 0.264
201912 0.186 107.123 0.275
202003 0.177 109.076 0.257
202006 0.336 109.402 0.486
202009 0.354 109.320 0.513
202012 0.257 109.565 0.371
202103 0.252 112.658 0.354
202106 0.202 113.960 0.281
202109 0.236 115.588 0.323
202112 -0.422 119.088 -0.561
202203 0.427 125.031 0.541
202206 0.397 131.705 0.477
202209 -0.533 135.531 -0.623
202212 0.388 139.113 0.442
202303 0.749 145.950 0.812
202306 0.706 147.009 0.760
202309 0.686 146.113 0.743
202312 -0.586 147.741 -0.628
202403 0.908 149.044 0.965
202406 0.958 150.997 1.004
202409 0.976 153.439 1.007
202412 0.781 154.660 0.799
202503 1.137 157.021 1.146
202506 1.119 157.509 1.125
202509 1.065 157.998 1.067
202512 1.355 158.323 1.355
202603 0.577 158.323 0.577

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 €1.70 mean?
BNP Paribas Bank Polska (FRA:82MA) has a E10 of €1.70 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BNP Paribas Bank Polska and its competitors.
Is BNP Paribas Bank Polska's E10 too high?
BNP Paribas Bank Polska's current E10 is €1.70. Overall, BNP Paribas Bank Polska has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's E10 compare to PNC and USB?
BNP Paribas Bank Polska's E10 of €1.70 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 BNP Paribas Bank Polska and its competitors. BNP Paribas Bank Polska's current E10 is €1.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.27, compared to a current price of €33.60 — trading 50.9% above its estimated fair value. The current E10 is €1.70. BNP Paribas Bank Polska's overall GF Score™ is 77/100 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 BNP Paribas Bank Polska (FRA:82MA), the current E10 is €1.70 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?

Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued. The current stock price of €33.60 is trading 50.9% above its estimated GF Value™ of €22.27. GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.

Key valuation signals for FRA:82MA:

  • E10: €1.70
  • GF Value™: €22.27 vs. price of €33.60 (50.9% above fair value)
  • GF Score™: 77/100 with 3 warning signs

No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BNP Paribas Bank Polska Business Description

Other Exchanges BNP:Poland
Address Kasprzaka 2, Warsaw, POL, 01-211
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
77GF Score

Get the complete analysis for FRA:82MA

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

€33.60
Price
€22.27
GF Value