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Bank AL Habib (KAR:BAHL) E10 : ₨17.67 (As of Dec. 2024)


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What is Bank AL Habib E10?

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 AL Habib's adjusted earnings per share data for the three months ended in Dec. 2024 was ₨6.820. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨17.67 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Bank AL Habib's average E10 Growth Rate was 24.10% per year. During the past 3 years, the average E10 Growth Rate was 22.10% 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 Bank AL Habib was 78.80% per year. The lowest was 22.10% per year. And the median was 50.45% per year.

As of today (2025-03-17), Bank AL Habib's current stock price is ₨142.81. Bank AL Habib's E10 for the quarter that ended in Dec. 2024 was ₨17.67. Bank AL Habib's Shiller PE Ratio of today is 8.08.

During the past 13 years, the highest Shiller PE Ratio of Bank AL Habib was 31.73. The lowest was 3.29. And the median was 6.25.


Bank AL Habib E10 Historical Data

The historical data trend for Bank AL Habib'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.

* Premium members only.

Bank AL Habib E10 Chart

Bank AL Habib Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.49 9.70 11.23 14.24 17.67

Bank AL Habib Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 14.24 15.26 16.18 17.20 17.67

Competitive Comparison of Bank AL Habib's E10

For the Banks - Regional subindustry, Bank AL Habib'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 AL Habib's Shiller PE Ratio Distribution in the Banks Industry

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

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



Bank AL Habib 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 AL Habib's adjusted earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=6.82/133.1571*133.1571
=6.820

Current CPI (Dec. 2024) = 133.1571.

Bank AL Habib Quarterly Data

per share eps CPI Adj_EPS
201503 1.440 99.621 1.925
201506 1.500 100.684 1.984
201509 1.770 100.392 2.348
201512 1.900 99.792 2.535
201603 2.270 100.470 3.009
201606 1.130 101.688 1.480
201609 1.490 101.861 1.948
201612 2.440 101.863 3.190
201703 2.080 102.862 2.693
201706 1.900 103.349 2.448
201709 1.660 104.136 2.123
201712 2.020 104.011 2.586
201803 1.860 105.290 2.352
201806 1.930 106.317 2.417
201809 1.550 106.507 1.938
201812 2.260 105.998 2.839
201903 1.850 107.251 2.297
201906 2.150 108.070 2.649
201909 2.300 108.329 2.827
201912 3.770 108.420 4.630
202003 2.560 108.902 3.130
202006 3.960 108.767 4.848
202009 5.390 109.815 6.536
202012 4.240 109.897 5.137
202103 4.170 111.754 4.969
202106 4.050 114.631 4.705
202109 4.430 115.734 5.097
202112 4.080 117.630 4.619
202203 4.450 121.301 4.885
202206 4.190 125.017 4.463
202209 4.890 125.227 5.200
202212 1.490 125.222 1.584
202303 9.560 127.348 9.996
202306 6.826 128.729 7.061
202309 10.240 129.860 10.500
202312 5.700 129.419 5.865
202403 9.210 131.776 9.307
202406 10.238 132.554 10.285
202409 11.430 133.029 11.441
202412 6.820 133.157 6.820

Add all the adjusted EPS together and divide 10 will get our e10.


Bank AL Habib  (KAR:BAHL) 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 AL Habib's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=142.81/17.67
=8.08

* 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 AL Habib was 31.73. The lowest was 3.29. And the median was 6.25.


Be Aware

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


Bank AL Habib E10 Related Terms

Thank you for viewing the detailed overview of Bank AL Habib's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Bank AL Habib Business Description

Traded in Other Exchanges
N/A
Address
I.I. Chundrigar Road, 2nd Floor, Mackinnons Building, Karachi, SD, PAK
Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.

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