Banco Di Desio E Della Brianza SpA (FRA:BJ7) E10: €0.64 (As of Mar. 2026)


FRA:BJ7 Banco Di Desio E Della Brianza SpA FRA:BJ7
44 GF Score
Price €13.42
GF Value €6.10
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Banco Di Desio E Della Brianza SpA E10?

Banco Di Desio E Della Brianza SpA FRA:BJ7 +8.75% 44 E10 is €0.64 as of Mar. 2026. GuruFocus rates FRA:BJ7 with a GF Score™ of 44/100 and a GF Value™ of €6.10 (Significantly Overvalued). The stock has 7 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.

Banco Di Desio E Della Brianza SpA's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.286. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.64 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Di Desio E Della Brianza SpA's average E10 Growth Rate was 10.00% per year. During the past 3 years, the average E10 Growth Rate was 24.70% per year. During the past 5 years, the average E10 Growth Rate was 24.10% 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 Banco Di Desio E Della Brianza SpA was 30.70% per year. The lowest was -3.60% per year. And the median was 24.70% per year.

As of today (2026-06-29), Banco Di Desio E Della Brianza SpA's current stock price is €13.42. Banco Di Desio E Della Brianza SpA's E10 for the quarter that ended in Mar. 2026 was €0.64. Banco Di Desio E Della Brianza SpA's Shiller PE Ratio of today is 20.97.

During the past 13 years, the highest Shiller PE Ratio of Banco Di Desio E Della Brianza SpA was 19.52. The lowest was 5.79. And the median was 9.71.


Banco Di Desio E Della Brianza SpA  (FRA:BJ7) 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.

Banco Di Desio E Della Brianza SpA's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=13.42/0.64
=20.97

* 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 Banco Di Desio E Della Brianza SpA was 19.52. The lowest was 5.79. And the median was 9.71.


Be Aware

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


Banco Di Desio E Della Brianza SpA E10 Related Terms


Banco Di Desio E Della Brianza SpA E10 Historical Data

* Premium members only.

The historical data trend for Banco Di Desio E Della Brianza SpA'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.

Banco Di Desio E Della Brianza SpA E10 Chart

Banco Di Desio E Della Brianza SpA 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 0.61

Banco Di Desio E Della Brianza SpA 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 0.60 0.62 0.61 0.64

FRA:BJ7 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco Di Desio E Della Brianza SpA'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.


Banco Di Desio E Della Brianza SpA Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco Di Desio E Della Brianza SpA's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Banco Di Desio E Della Brianza SpA's Shiller PE Ratio falls into.


FRA:BJ7
44GF Score
Banco Di Desio E Della Brianza SpA FRA:BJ7
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Di Desio E Della Brianza SpA 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, Banco Di Desio E Della Brianza SpA'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)
=0.286/122.6000*122.6000
=0.286

Current CPI (Mar. 2026) = 122.6000.

Banco Di Desio E Della Brianza SpA Quarterly Data

per share eps CPI Adj_EPS
201606 0.074 99.900 0.091
201609 0.100 100.100 0.122
201612 -0.080 100.300 -0.098
201703 0.065 101.000 0.079
201706 0.073 101.100 0.089
201709 0.067 101.200 0.081
201712 0.130 101.200 0.157
201803 0.073 101.800 0.088
201806 0.032 102.400 0.038
201809 0.074 102.600 0.088
201812 0.092 102.300 0.110
201903 0.092 102.800 0.110
201906 0.088 103.100 0.105
201909 0.078 102.900 0.093
201912 0.048 102.800 0.057
202003 0.038 102.900 0.045
202006 0.033 102.900 0.039
202009 0.124 102.300 0.149
202012 -0.021 102.600 -0.025
202103 0.147 103.700 0.174
202106 0.124 104.200 0.146
202109 0.138 104.900 0.161
202112 -0.005 106.600 -0.006
202203 0.242 110.400 0.269
202206 0.158 112.500 0.172
202209 0.073 114.200 0.078
202212 0.130 119.000 0.134
202303 1.180 118.800 1.218
202306 0.259 119.700 0.265
202309 0.241 120.300 0.246
202312 0.109 119.700 0.112
202403 0.291 120.200 0.297
202406 0.290 120.700 0.295
202409 0.286 121.200 0.289
202412 0.079 121.200 0.080
202503 0.280 122.500 0.280
202506 0.254 122.700 0.254
202509 0.270 123.100 0.269
202512 0.163 122.600 0.163
202603 0.286 122.600 0.286

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 €0.64 mean?
Banco Di Desio E Della Brianza SpA (FRA:BJ7) has a E10 of €0.64 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco Di Desio E Della Brianza SpA and its competitors.
Is Banco Di Desio E Della Brianza SpA's E10 too high?
Banco Di Desio E Della Brianza SpA's current E10 is €0.64. Overall, Banco Di Desio E Della Brianza SpA has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Di Desio E Della Brianza SpA's E10 compare to PNC and USB?
Banco Di Desio E Della Brianza SpA's E10 of €0.64 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 Banco Di Desio E Della Brianza SpA and its competitors. Banco Di Desio E Della Brianza SpA's current E10 is €0.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Di Desio E Della Brianza SpA stock overvalued right now?
Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA (FRA:BJ7) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.10, compared to a current price of €13.42 — trading 120% above its estimated fair value. The current E10 is €0.64. Banco Di Desio E Della Brianza SpA's overall GF Score™ is 44/100 with 7 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7), the current E10 is €0.64 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA stock appears to be overvalued. The current stock price of €13.42 is trading 120% above its estimated GF Value™ of €6.10. GuruFocus considers Banco Di Desio E Della Brianza SpA to be Significantly Overvalued.

Key valuation signals for FRA:BJ7:

  • E10: €0.64
  • GF Value™: €6.10 vs. price of €13.42 (120% above fair value)
  • GF Score™: 44/100 with 7 warning signs

No single metric tells the full story. See the FRA:BJ7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Di Desio E Della Brianza SpA Business Description

Other Exchanges BDB:Italy0O5V:UKBJ7:Germany
Address Via E. Rovagnati, 1, Desio, ITA, 20832
Banco Di Desio E Della Brianza SpA is an Italy based company engaged in providing financial services. The group operates by carrying out traditional banking activities, providing asset management services and selling life and non-life bancassurance products. It offers loans and deposits; financial, banking, and payment services; insurance products, asset management products; debit and credit cards. The bank serves individuals and small to midsized businesses by providing other services. The activities are carried out through Italy.
44GF Score

Get the complete analysis for FRA:BJ7

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

€13.42
Price
€6.10
GF Value