Bank of Punjab (KAR:BOP) E10: ₨3.32 (As of Mar. 2026)


KAR:BOP Bank of Punjab KAR:BOP
38 GF Score
Price ₨35.38
GF Value ₨14.86
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Bank of Punjab E10?

Bank of Punjab KAR:BOP 38 E10 is ₨3.32 as of Mar. 2026. GuruFocus rates KAR:BOP with a GF Score™ of 38/100 and a GF Value™ of ₨14.86 (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.

Bank of Punjab's adjusted earnings per share data for the three months ended in Mar. 2026 was ₨1.430. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨3.32 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank of Punjab's average E10 Growth Rate was 11.40% per year. During the past 3 years, the average E10 Growth Rate was 8.10% 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 of Punjab was 8.10% per year. The lowest was 7.80% per year. And the median was 7.95% per year.

As of today (2026-06-28), Bank of Punjab's current stock price is ₨35.38. Bank of Punjab's E10 for the quarter that ended in Mar. 2026 was ₨3.32. Bank of Punjab's Shiller PE Ratio of today is 10.66.

During the past 13 years, the highest Shiller PE Ratio of Bank of Punjab was 13.19. The lowest was 1.25. And the median was 2.47.


Bank of Punjab  (KAR:BOP) 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 Punjab's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=35.38/3.32
=10.66

* 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 Punjab was 13.19. The lowest was 1.25. And the median was 2.47.


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 Punjab E10 Related Terms


Bank of Punjab E10 Historical Data

* Premium members only.

The historical data trend for Bank of Punjab'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 Punjab E10 Chart

Bank of Punjab 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 2.38 2.54 2.71 2.98 3.21

Bank of Punjab 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 2.98 3.06 3.17 3.21 3.32

Bank of Punjab E10 Competitor Comparison

For the Banks - Regional subindustry, Bank of Punjab'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 Punjab Shiller PE Ratio vs Banks Industry

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

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


KAR:BOP
38GF Score
Bank of Punjab KAR:BOP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Punjab 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 Punjab'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)
=1.43/330.2130*330.2130
=1.430

Current CPI (Mar. 2026) = 330.2130.

Bank of Punjab Quarterly Data

per share eps CPI Adj_EPS
201606 0.679 241.018 0.930
201609 0.606 241.428 0.829
201612 0.461 241.432 0.631
201703 0.808 243.801 1.094
201706 0.331 244.955 0.446
201709 0.509 246.819 0.681
201712 -1.998 246.524 -2.676
201803 0.590 249.554 0.781
201806 0.580 251.989 0.760
201809 0.501 252.439 0.655
201812 0.622 251.233 0.818
201903 0.572 254.202 0.743
201906 0.638 256.143 0.822
201909 0.655 256.759 0.842
201912 0.633 256.974 0.813
202003 0.453 258.115 0.580
202006 0.638 257.797 0.817
202009 0.663 260.280 0.841
202012 0.331 260.474 0.420
202103 0.558 264.877 0.696
202106 1.127 271.696 1.370
202109 0.945 274.310 1.138
202112 1.136 278.802 1.345
202203 0.720 287.504 0.827
202206 0.990 296.311 1.103
202209 0.650 296.808 0.723
202212 0.960 296.797 1.068
202303 0.350 301.836 0.383
202306 0.670 305.109 0.725
202309 0.760 307.789 0.815
202312 1.610 306.746 1.733
202403 0.500 312.332 0.529
202406 0.940 314.175 0.988
202409 1.090 315.301 1.142
202412 1.470 315.605 1.538
202503 0.530 319.799 0.547
202506 1.450 322.561 1.484
202509 1.540 324.800 1.566
202512 1.190 324.054 1.213
202603 1.430 330.213 1.430

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 ₨3.32 mean?
Bank of Punjab (KAR:BOP) has a E10 of ₨3.32 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 Punjab and its competitors.
Is Bank of Punjab's E10 too high?
Bank of Punjab's current E10 is ₨3.32. Overall, Bank of Punjab has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Punjab's E10 compare to competitors?
Bank of Punjab's E10 of ₨3.32 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 Punjab and its competitors. Bank of Punjab's current E10 is ₨3.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Punjab stock overvalued right now?
Based on GuruFocus' analysis, Bank of Punjab (KAR:BOP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨14.86, compared to a current price of ₨35.38 — trading 138.1% above its estimated fair value. The current E10 is ₨3.32. Bank of Punjab's overall GF Score™ is 38/100 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 Bank of Punjab (KAR:BOP), the current E10 is ₨3.32 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 Punjab (KAR:BOP) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Punjab stock appears to be overvalued. The current stock price of ₨35.38 is trading 138.1% above its estimated GF Value™ of ₨14.86. GuruFocus considers Bank of Punjab to be Significantly Overvalued.

Key valuation signals for KAR:BOP:

  • E10: ₨3.32
  • GF Value™: ₨14.86 vs. price of ₨35.38 (138.1% above fair value)
  • GF Score™: 38/100 with 3 warning signs

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


Bank of Punjab Business Description

Address Main Boulevard, Block E-II, 10-B, BOP Tower, Gulberg III, Lahore, PB, PAK
Bank of Punjab is a financial institution providing a range of customized banking products and services. The bank also provides Islamic banking, payment services, home remittances, and other services. The operating segments of the company are Corporate and investment banking, Consumer banking group, Cards and public sector deposits (CPSD), Treasury, Islamic banking, and others. The company generates the majority of its revenue from Consumer banking group segment.
38GF Score

Get the complete analysis for KAR:BOP

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

₨35.38
Price
₨14.86
GF Value