Creditison Co (FRA:QC9) E10: €2.18 (As of Mar. 2026)

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FRA:QC9 Credit Saison Co Ltd FRA:QC9
85 GF Score
Price €25.80
GF Value €24.64
! 5 Warning Signs
View Full Analysis

What is Creditison Co E10?

Creditison Co FRA:QC9 +0.78% 85 E10 is €2.18 as of Mar. 2026. GuruFocus rates FRA:QC9 with a GF Score™ of 85/100 and a GF Value™ of €24.64. The stock has 5 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.

Creditison Co's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.489. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Creditison Co's average E10 Growth Rate was 10.80% per year. During the past 3 years, the average E10 Growth Rate was 15.60% per year. During the past 5 years, the average E10 Growth Rate was 13.70% 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 Creditison Co was 26.00% per year. The lowest was 8.10% per year. And the median was 14.50% per year.

As of today (2026-09-17), Creditison Co's current stock price is €25.80. Creditison Co's E10 for the quarter that ended in Mar. 2026 was €2.18. Creditison Co's Shiller PE Ratio of today is 11.81.

During the past 13 years, the highest Shiller PE Ratio of Creditison Co was 29.60. The lowest was 6.35. And the median was 12.01.


Creditison Co  (FRA:QC9) 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.

Creditison Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=25.80/2.184
=11.81

* 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 Creditison Co was 29.60. The lowest was 6.35. And the median was 12.01.


Be Aware

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


Creditison Co E10 Related Terms


Creditison Co E10 Historical Data

* Premium members only.

The historical data trend for Creditison Co'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.

Creditison Co E10 Chart

Creditison Co 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 1.49 1.55 1.77 2.03 2.18

Creditison Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 2.11 2.10 2.15 2.18 2.28

FRA:QC9 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Creditison Co'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.


Creditison Co Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditison Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Creditison Co's Shiller PE Ratio falls into.


FRA:QC9
85GF Score
Credit Saison Co Ltd FRA:QC9
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Creditison Co 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, Creditison Co'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)
=0.4888/112.7000*112.7000
=0.489

Current CPI (Mar. 2026) = 112.7000.

Creditison Co Quarterly Data

per share eps CPI Adj_EPS
201603 0.033 97.900 0.038
201606 0.562 98.100 0.646
201609 0.884 98.000 1.017
201612 0.439 98.400 0.503
201703 0.278 98.100 0.319
201706 1.083 98.500 1.240
201709 0.487 98.800 0.555
201712 0.121 99.400 0.137
201803 0.169 99.200 0.192
201806 0.514 99.200 0.584
201809 0.361 99.900 0.407
201812 0.444 99.700 0.502
201906 0.491 99.800 0.555
201909 0.456 100.100 0.514
201912 0.808 100.500 0.906
202003 -0.597 100.300 -0.671
202006 0.607 99.900 0.685
202009 0.472 99.900 0.532
202012 0.668 99.300 0.758
202103 0.137 99.900 0.154
202106 0.545 99.500 0.618
202109 0.508 100.100 0.572
202112 0.708 100.100 0.797
202203 -0.028 101.100 -0.032
202206 0.702 101.800 0.777
202209 0.565 103.100 0.617
202212 0.787 104.100 0.852
202303 -0.075 104.400 -0.081
202306 0.725 105.200 0.776
202309 1.065 106.200 1.130
202312 0.695 106.800 0.733
202403 0.411 107.200 0.432
202406 0.609 108.200 0.634
202409 0.456 108.900 0.472
202412 1.140 110.700 1.160
202503 0.362 111.100 0.368
202506 0.664 111.700 0.670
202509 0.452 112.000 0.454
202512 0.826 113.000 0.824
202603 0.489 112.700 0.489

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 €2.18 mean?
Creditison Co (FRA:QC9) has a E10 of €2.18 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Creditison Co and its competitors.
Is Creditison Co's E10 too high?
Creditison Co's current E10 is €2.18. Overall, Creditison Co has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does Creditison Co's E10 compare to V and MA?
Creditison Co's E10 of €2.18 can be compared against companies in the Credit Services 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 Credit Services company?
A good E10 depends on the Credit Services 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 Creditison Co and its competitors. Creditison Co's current E10 is €2.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditison Co stock overvalued right now?
Creditison Co (FRA:QC9) has a current E10 of €2.18. The stock's GF Value™ is €24.64, compared to a current price of €25.80 — trading 4.7% above its estimated fair value. The current E10 is €2.18. Creditison Co's overall GF Score™ is 85/100 with 5 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 Creditison Co (FRA:QC9), the current E10 is €2.18 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 Creditison Co (FRA:QC9) Overvalued in 2026?

Based on GuruFocus' analysis, Creditison Co stock appears to be overvalued. The current stock price of €25.80 is trading 4.7% above its estimated GF Value™ of €24.64.

Key valuation signals for FRA:QC9:

  • E10: €2.18
  • GF Value™: €24.64 vs. price of €25.80 (4.7% above fair value)
  • GF Score™: 85/100 with 5 warning signs

No single metric tells the full story. See the FRA:QC9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Creditison Co Business Description

Other Exchanges 8253:Japan
Address 1-1 Higashi-Ikebukuro 3-chome, Sunshine 60 Building, Toshima-ku, Tokyo, JPN, 170-6073
Credit Saison Co Ltd is a Japan-based financial services company. The company operates its business through six segments. The Entertainment segment runs amusement parks. The Finance segment covers credit guarantees and related services. The Global segment engages in lending and investments. The Leasing segment focuses on office equipment. The Payment segment centers on credit cards and related services, and the Real Estate segment includes property development and leasing activities. It generates the majority of its revenue from the Payment business segment.
85GF Score

Get the complete analysis for FRA:QC9

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

€25.80
Price
€24.64
GF Value