Soneri Bank (KAR:SNBL) E10: ₨3.29 (As of Mar. 2026)


KAR:SNBL Soneri Bank Ltd KAR:SNBL
74 GF Score
Price ₨23.01
GF Value ₨18.08
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Soneri Bank E10?

Soneri Bank KAR:SNBL 74 E10 is ₨3.29 as of Mar. 2026. GuruFocus rates KAR:SNBL with a GF Score™ of 74/100 and a GF Value™ of ₨18.08 (Modestly Overvalued). The stock has 2 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.

Soneri Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₨1.215. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨3.29 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Soneri Bank's average E10 Growth Rate was 8.60% per year. During the past 3 years, the average E10 Growth Rate was 15.90% 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 Soneri Bank was 15.90% per year. The lowest was 14.90% per year. And the median was 15.40% per year.

As of today (2026-06-29), Soneri Bank's current stock price is ₨23.01. Soneri Bank's E10 for the quarter that ended in Mar. 2026 was ₨3.29. Soneri Bank's Shiller PE Ratio of today is 6.99.

During the past 13 years, the highest Shiller PE Ratio of Soneri Bank was 9.52. The lowest was 3.60. And the median was 4.87.


Soneri Bank  (KAR:SNBL) 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.

Soneri Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=23.01/3.29
=6.99

* 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 Soneri Bank was 9.52. The lowest was 3.60. And the median was 4.87.


Be Aware

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


Soneri Bank E10 Related Terms


Soneri Bank E10 Historical Data

* Premium members only.

The historical data trend for Soneri Bank'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.

Soneri Bank E10 Chart

Soneri Bank 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 1.95 2.04 2.54 2.96 3.18

Soneri Bank 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 3.03 3.11 3.15 3.18 3.29

KAR:SNBL vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Soneri Bank'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.


Soneri Bank Shiller PE Ratio vs Banks Industry

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

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


KAR:SNBL
74GF Score
Soneri Bank Ltd KAR:SNBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Soneri Bank 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, Soneri Bank'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)
=1.215/330.2130*330.2130
=1.215

Current CPI (Mar. 2026) = 330.2130.

Soneri Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.577 241.018 0.791
201609 0.332 241.428 0.454
201612 0.306 241.432 0.419
201703 0.540 243.801 0.731
201706 0.196 244.955 0.264
201709 0.381 246.819 0.510
201712 0.389 246.524 0.521
201803 0.599 249.554 0.793
201806 0.287 251.989 0.376
201809 0.288 252.439 0.377
201812 0.445 251.233 0.585
201903 0.627 254.202 0.814
201906 0.257 256.143 0.331
201909 0.214 256.759 0.275
201912 0.630 256.974 0.810
202003 0.370 258.115 0.473
202006 0.655 257.797 0.839
202009 0.619 260.280 0.785
202012 0.534 260.474 0.677
202103 0.709 264.877 0.884
202106 0.944 271.696 1.147
202109 0.486 274.310 0.585
202112 0.450 278.802 0.533
202203 0.492 287.504 0.565
202206 0.002 296.311 0.002
202209 0.681 296.808 0.758
202212 0.534 296.797 0.594
202303 1.351 301.836 1.478
202306 0.941 305.109 1.018
202309 1.468 307.789 1.575
202312 1.751 306.746 1.885
202403 1.597 312.332 1.688
202406 1.321 314.175 1.388
202409 1.406 315.301 1.472
202412 1.030 315.605 1.078
202503 1.041 319.799 1.075
202506 1.224 322.561 1.253
202509 0.732 324.800 0.744
202512 1.137 324.054 1.159
202603 1.215 330.213 1.215

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 ₨3.29 mean?
Soneri Bank (KAR:SNBL) has a E10 of ₨3.29 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Soneri Bank and its competitors.
Is Soneri Bank's E10 too high?
Soneri Bank's current E10 is ₨3.29. Overall, Soneri Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's E10 compare to PNC and USB?
Soneri Bank's E10 of ₨3.29 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 Soneri Bank and its competitors. Soneri Bank's current E10 is ₨3.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨18.08, compared to a current price of ₨23.01 — trading 27.3% above its estimated fair value. The current E10 is ₨3.29. Soneri Bank's overall GF Score™ is 74/100 with 2 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 Soneri Bank (KAR:SNBL), the current E10 is ₨3.29 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?

Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued. The current stock price of ₨23.01 is trading 27.3% above its estimated GF Value™ of ₨18.08. GuruFocus considers Soneri Bank to be Modestly Overvalued.

Key valuation signals for KAR:SNBL:

  • E10: ₨3.29
  • GF Value™: ₨18.08 vs. price of ₨23.01 (27.3% above fair value)
  • GF Score™: 74/100 with 2 warning signs

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


Soneri Bank Business Description

Address 307-Upper Mall Scheme, 2nd Floor, Lahore, PB, PAK, 54000
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
74GF Score

Get the complete analysis for KAR:SNBL

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

₨23.01
Price
₨18.08
GF Value