Standard Chartered Bank (Pakistan) (KAR:SCBPL) E10: ₨6.22 (As of Mar. 2026)


KAR:SCBPL Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
70 GF Score
Price ₨67.31
GF Value ₨35.84
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Standard Chartered Bank (Pakistan) E10?

Standard Chartered Bank (Pakistan) KAR:SCBPL +1.37% 70 E10 is ₨6.22 as of Mar. 2026. GuruFocus rates KAR:SCBPL with a GF Score™ of 70/100 and a GF Value™ of ₨35.84 (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.

Standard Chartered Bank (Pakistan)'s adjusted earnings per share data for the three months ended in Mar. 2026 was ₨1.450. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨6.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Standard Chartered Bank (Pakistan)'s average E10 Growth Rate was 9.30% per year. During the past 3 years, the average E10 Growth Rate was 18.60% 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 Standard Chartered Bank (Pakistan) was 19.80% per year. The lowest was 18.60% per year. And the median was 19.20% per year.

As of today (2026-06-24), Standard Chartered Bank (Pakistan)'s current stock price is ₨67.31. Standard Chartered Bank (Pakistan)'s E10 for the quarter that ended in Mar. 2026 was ₨6.22. Standard Chartered Bank (Pakistan)'s Shiller PE Ratio of today is 10.82.

During the past 13 years, the highest Shiller PE Ratio of Standard Chartered Bank (Pakistan) was 14.09. The lowest was 4.97. And the median was 9.90.


Standard Chartered Bank (Pakistan)  (KAR:SCBPL) 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.

Standard Chartered Bank (Pakistan)'s Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=67.31/6.22
=10.82

* 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 Standard Chartered Bank (Pakistan) was 14.09. The lowest was 4.97. And the median was 9.90.


Be Aware

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


Standard Chartered Bank (Pakistan) E10 Related Terms


Standard Chartered Bank (Pakistan) E10 Historical Data

* Premium members only.

The historical data trend for Standard Chartered Bank (Pakistan)'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.

Standard Chartered Bank (Pakistan) E10 Chart

Standard Chartered Bank (Pakistan) 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 3.20 3.64 4.51 5.50 6.07

Standard Chartered Bank (Pakistan) 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 5.69 5.88 5.99 6.07 6.22

Standard Chartered Bank (Pakistan) E10 Competitor Comparison

For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'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.


Standard Chartered Bank (Pakistan) Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Standard Chartered Bank (Pakistan)'s Shiller PE Ratio falls into.


KAR:SCBPL
70GF Score
Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Standard Chartered Bank (Pakistan) 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, Standard Chartered Bank (Pakistan)'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)
=1.45/330.2130*330.2130
=1.450

Current CPI (Mar. 2026) = 330.2130.

Standard Chartered Bank (Pakistan) Quarterly Data

per share eps CPI Adj_EPS
201606 0.540 241.018 0.740
201609 0.530 241.428 0.725
201612 0.590 241.432 0.807
201703 0.690 243.801 0.935
201706 0.610 244.955 0.822
201709 0.330 246.819 0.441
201712 0.500 246.524 0.670
201803 0.700 249.554 0.926
201806 0.640 251.989 0.839
201809 0.670 252.439 0.876
201812 0.890 251.233 1.170
201903 0.910 254.202 1.182
201906 0.960 256.143 1.238
201909 1.090 256.759 1.402
201912 1.190 256.974 1.529
202003 1.370 258.115 1.753
202006 1.170 257.797 1.499
202009 0.530 260.280 0.672
202012 0.310 260.474 0.393
202103 0.830 264.877 1.035
202106 0.920 271.696 1.118
202109 0.810 274.310 0.975
202112 0.990 278.802 1.173
202203 1.820 287.504 2.090
202206 0.270 296.311 0.301
202209 1.590 296.808 1.769
202212 1.450 296.797 1.613
202303 2.370 301.836 2.593
202306 2.480 305.109 2.684
202309 3.270 307.789 3.508
202312 2.890 306.746 3.111
202403 2.900 312.332 3.066
202406 2.650 314.175 2.785
202409 2.860 315.301 2.995
202412 3.490 315.605 3.652
202503 2.060 319.799 2.127
202506 2.220 322.561 2.273
202509 1.550 324.800 1.576
202512 1.610 324.054 1.641
202603 1.450 330.213 1.450

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 ₨6.22 mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a E10 of ₨6.22 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Standard Chartered Bank (Pakistan) and its competitors.
Is Standard Chartered Bank (Pakistan)'s E10 too high?
Standard Chartered Bank (Pakistan)'s current E10 is ₨6.22. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s E10 compare to competitors?
Standard Chartered Bank (Pakistan)'s E10 of ₨6.22 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 Standard Chartered Bank (Pakistan) and its competitors. Standard Chartered Bank (Pakistan)'s current E10 is ₨6.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨35.84, compared to a current price of ₨67.31 — trading 87.8% above its estimated fair value. The current E10 is ₨6.22. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 70/100 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current E10 is ₨6.22 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued. The current stock price of ₨67.31 is trading 87.8% above its estimated GF Value™ of ₨35.84. GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.

Key valuation signals for KAR:SCBPL:

  • E10: ₨6.22
  • GF Value™: ₨35.84 vs. price of ₨67.31 (87.8% above fair value)
  • GF Score™: 70/100 with 7 warning signs

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


Standard Chartered Bank (Pakistan) Business Description

Address I.I.Chundrigarh Road, P.O. Box No. 5556, Karachi, PAK, 74000
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
70GF Score

Get the complete analysis for KAR:SCBPL

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

₨67.31
Price
₨35.84
GF Value