Bank Of Ayudhya PCL (FRA:NVAU) E10: €0.12 (As of Mar. 2026)

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FRA:NVAU Bank Of Ayudhya PCL FRA:NVAU
58 GF Score
Price €1.06
GF Value €0.70
! 1 Warning Sign
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What is Bank Of Ayudhya PCL E10?

Bank Of Ayudhya PCL FRA:NVAU 58 E10 is €0.12 as of Mar. 2026. GuruFocus rates FRA:NVAU with a GF Score™ of 58/100 and a GF Value™ of €0.70. 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.

Bank Of Ayudhya PCL's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.031. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.12 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank Of Ayudhya PCL's average E10 Growth Rate was 5.20% per year. During the past 3 years, the average E10 Growth Rate was 6.10% per year. During the past 5 years, the average E10 Growth Rate was 8.50% 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 Bank Of Ayudhya PCL was 12.70% per year. The lowest was 6.10% per year. And the median was 10.10% per year.

As of today (2026-07-30), Bank Of Ayudhya PCL's current stock price is €1.06. Bank Of Ayudhya PCL's E10 for the quarter that ended in Mar. 2026 was €0.12. Bank Of Ayudhya PCL's Shiller PE Ratio of today is 8.83.

During the past 13 years, the highest Shiller PE Ratio of Bank Of Ayudhya PCL was 21.26. The lowest was 4.80. And the median was 8.55.


Bank Of Ayudhya PCL  (FRA:NVAU) 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.

Bank Of Ayudhya PCL's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1.06/0.12
=8.83

* 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 Bank Of Ayudhya PCL was 21.26. The lowest was 4.80. And the median was 8.55.


Be Aware

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


Bank Of Ayudhya PCL E10 Related Terms


Bank Of Ayudhya PCL E10 Historical Data

* Premium members only.

The historical data trend for Bank Of Ayudhya PCL'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.

Bank Of Ayudhya PCL E10 Chart

Bank Of Ayudhya PCL 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 0.09 0.10 0.11 0.12 0.12

Bank Of Ayudhya PCL 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 0.12 0.12 0.12 0.12 0.12

Bank Of Ayudhya PCL E10 Competitor Comparison

For the Banks - Regional subindustry, Bank Of Ayudhya PCL'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.


Bank Of Ayudhya PCL Shiller PE Ratio vs Banks Industry

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

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


FRA:NVAU
58GF Score
Bank Of Ayudhya PCL FRA:NVAU
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Of Ayudhya PCL 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, Bank Of Ayudhya PCL'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)
=0.031/330.2130*330.2130
=0.031

Current CPI (Mar. 2026) = 330.2130.

Bank Of Ayudhya PCL Quarterly Data

per share eps CPI Adj_EPS
201606 0.018 241.018 0.025
201609 0.020 241.428 0.027
201612 0.019 241.432 0.026
201703 0.021 243.801 0.028
201706 0.021 244.955 0.028
201709 0.021 246.819 0.028
201712 0.020 246.524 0.027
201803 0.022 249.554 0.029
201806 0.022 251.989 0.029
201809 0.022 252.439 0.029
201812 0.022 251.233 0.029
201903 0.048 254.202 0.062
201906 0.027 256.143 0.035
201909 0.026 256.759 0.033
201912 0.026 256.974 0.033
202003 0.027 258.115 0.035
202006 0.025 257.797 0.032
202009 0.022 260.280 0.028
202012 0.013 260.474 0.016
202103 0.024 264.877 0.030
202106 0.052 271.696 0.063
202109 0.022 274.310 0.026
202112 0.023 278.802 0.027
202203 0.028 287.504 0.032
202206 0.029 296.311 0.032
202209 0.030 296.808 0.033
202212 0.027 296.797 0.030
202303 0.032 301.836 0.035
202306 0.030 305.109 0.032
202309 0.029 307.789 0.031
202312 0.028 306.746 0.030
202403 0.026 312.332 0.027
202406 0.028 314.175 0.029
202409 0.028 315.301 0.029
202412 0.024 315.605 0.025
202503 0.028 319.799 0.029
202506 0.030 322.561 0.031
202509 0.032 324.800 0.033
202512 0.026 324.054 0.026
202603 0.031 330.213 0.031

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 €0.12 mean?
Bank Of Ayudhya PCL (FRA:NVAU) has a E10 of €0.12 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank Of Ayudhya PCL and its competitors.
Is Bank Of Ayudhya PCL's E10 too high?
Bank Of Ayudhya PCL's current E10 is €0.12. Overall, Bank Of Ayudhya PCL has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's E10 compare to competitors?
Bank Of Ayudhya PCL's E10 of €0.12 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 Bank Of Ayudhya PCL and its competitors. Bank Of Ayudhya PCL's current E10 is €0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Ayudhya PCL stock overvalued right now?
Bank Of Ayudhya PCL (FRA:NVAU) has a current E10 of €0.12. The stock's GF Value™ is €0.70, compared to a current price of €1.06 — trading 51.4% above its estimated fair value. The current E10 is €0.12. Bank Of Ayudhya PCL's overall GF Score™ is 58/100 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 Bank Of Ayudhya PCL (FRA:NVAU), the current E10 is €0.12 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 Bank Of Ayudhya PCL (FRA:NVAU) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Of Ayudhya PCL stock appears to be overvalued. The current stock price of €1.06 is trading 51.4% above its estimated GF Value™ of €0.70.

Key valuation signals for FRA:NVAU:

  • E10: €0.12
  • GF Value™: €0.70 vs. price of €1.06 (51.4% above fair value)
  • GF Score™: 58/100 with 1 warning sign

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


Bank Of Ayudhya PCL Business Description

Other Exchanges BAY:Thailand
Address 1222 Rama III Road, Bang Phongphang Subdistrict, Yannawa District, Bangkok, THA, 10120
Bank Of Ayudhya PCL is a full-service universal bank commonly referred to as Krunsgri, operating mostly in Thailand, and with some exposure to other Asian countries. The bank's operations include commercial banking, retail banking, and other financial services, such as wealth management, credit cards, insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance, and installment loans. Its segments include Retail, Commercial, and Others. The majority of revenue is derived from the Retail segment.
58GF Score

Get the complete analysis for FRA:NVAU

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

€1.06
Price
€0.70
GF Value