Cathay Financial Holding Co (LSE:CFHS) E10: $1.56 (As of Dec. 2025)


LSE:CFHS Cathay Financial Holding Co Ltd LSE:CFHS
54 GF Score
Price $19.20
GF Value $13.75
! 9 Warning Signs
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What is Cathay Financial Holding Co E10?

Cathay Financial Holding Co LSE:CFHS 54 E10 is $1.56 as of Dec. 2025. GuruFocus rates LSE:CFHS with a GF Score™ of 54/100 and a GF Value™ of $13.75. The stock has 9 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.

Cathay Financial Holding Co's adjusted earnings per share data for the three months ended in Dec. 2025 was $0.707. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.56 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Cathay Financial Holding Co's average E10 Growth Rate was 4.20% per year. During the past 3 years, the average E10 Growth Rate was 4.40% per year. During the past 5 years, the average E10 Growth Rate was 8.80% 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 Cathay Financial Holding Co was 18.60% per year. The lowest was 4.40% per year. And the median was 13.50% per year.

As of today (2026-07-01), Cathay Financial Holding Co's current stock price is $19.20. Cathay Financial Holding Co's E10 for the quarter that ended in Dec. 2025 was $1.56. Cathay Financial Holding Co's Shiller PE Ratio of today is 12.31.

During the past 13 years, the highest Shiller PE Ratio of Cathay Financial Holding Co was 18.78. The lowest was 6.46. And the median was 11.18.


Cathay Financial Holding Co  (LSE:CFHS) 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.

Cathay Financial Holding Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=19.20/1.56
=12.31

* 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 Cathay Financial Holding Co was 18.78. The lowest was 6.46. And the median was 11.18.


Be Aware

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


Cathay Financial Holding Co E10 Related Terms


Cathay Financial Holding Co E10 Historical Data

* Premium members only.

The historical data trend for Cathay Financial Holding 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.

Cathay Financial Holding Co E10 Chart

Cathay Financial Holding Co 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 1.56 2.59 2.32 1.66 1.56

Cathay Financial Holding Co Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 1.66 1.88 1.80 1.75 1.56

LSE:CFHS vs AFL, MET, PRU: E10 Comparison

For the Insurance - Life subindustry, Cathay Financial Holding 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.


Cathay Financial Holding Co Shiller PE Ratio vs Insurance Industry

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

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


LSE:CFHS
54GF Score
Cathay Financial Holding Co Ltd LSE:CFHS
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cathay Financial Holding 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, Cathay Financial Holding Co's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.707/324.0540*324.0540
=0.707

Current CPI (Dec. 2025) = 324.0540.

Cathay Financial Holding Co Quarterly Data

per share eps CPI Adj_EPS
201603 0.195 238.132 0.265
201606 0.140 241.018 0.188
201609 0.617 241.428 0.828
201612 0.216 241.432 0.290
201703 0.272 243.801 0.362
201706 0.398 244.955 0.527
201709 0.563 246.819 0.739
201712 0.216 246.524 0.284
201803 0.618 249.554 0.802
201806 0.283 251.989 0.364
201809 0.469 252.439 0.602
201812 -0.073 251.233 -0.094
201903 0.335 254.202 0.427
201906 0.441 256.143 0.558
201909 0.447 256.759 0.564
201912 0.286 256.974 0.361
202003 0.578 258.115 0.726
202006 0.136 257.797 0.171
202009 0.799 260.280 0.995
202012 0.298 260.474 0.371
202103 1.519 264.877 1.858
202106 0.815 271.696 0.972
202109 0.824 274.310 0.973
202112 0.483 278.802 0.561
202203 0.914 287.504 1.030
202206 0.287 296.311 0.314
202209 0.121 296.808 0.132
202212 -0.408 296.797 -0.445
202303 0.157 301.836 0.169
202306 0.486 305.109 0.516
202309 0.571 307.789 0.601
202312 -0.182 306.746 -0.192
202403 0.820 312.332 0.851
202406 0.636 314.175 0.656
202409 0.663 315.301 0.681
202412 0.156 315.605 0.160
202503 0.661 319.799 0.670
202506 0.240 322.561 0.241
202509 0.642 324.800 0.641
202512 0.707 324.054 0.707

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 $1.56 mean?
Cathay Financial Holding Co (LSE:CFHS) has a E10 of $1.56 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Cathay Financial Holding Co and its competitors.
Is Cathay Financial Holding Co's E10 too high?
Cathay Financial Holding Co's current E10 is $1.56. Overall, Cathay Financial Holding Co has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Cathay Financial Holding Co's E10 compare to AFL and MET?
Cathay Financial Holding Co's E10 of $1.56 can be compared against companies in the Insurance 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 an Insurance company?
A good E10 depends on the Insurance 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 Cathay Financial Holding Co and its competitors. Cathay Financial Holding Co's current E10 is $1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cathay Financial Holding Co stock overvalued right now?
Cathay Financial Holding Co (LSE:CFHS) has a current E10 of $1.56. The stock's GF Value™ is $13.75, compared to a current price of $19.20 — trading 39.6% above its estimated fair value. The current E10 is $1.56. Cathay Financial Holding Co's overall GF Score™ is 54/100 with 9 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 Cathay Financial Holding Co (LSE:CFHS), the current E10 is $1.56 as of Dec. 2025. 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 Cathay Financial Holding Co (LSE:CFHS) Overvalued in 2026?

Based on GuruFocus' analysis, Cathay Financial Holding Co stock appears to be overvalued. The current stock price of $19.20 is trading 39.6% above its estimated GF Value™ of $13.75.

Key valuation signals for LSE:CFHS:

  • E10: $1.56
  • GF Value™: $13.75 vs. price of $19.20 (39.6% above fair value)
  • GF Score™: 54/100 with 9 warning signs

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


Cathay Financial Holding Co Business Description

Address No. 296, Jen Ai Road, Section 4, Taipei, TWN, 10633
Cathay Financial Holding Co Ltd is a financial holding company. It has five operating segments Banking segment is engaged in permitted businesses of commercial banks; Life insurance segments is engaged in traditional insurance, investment-linked insurance and interest-sensitive sales of annuity insurance and providing financial planning services and policy loan services; Property insurance segment is engaged in fire insurance, marine insurance, land and air insurance, liability insurance, financial guarantee insurance, reinsurance and other insurance; Securities segment is engaged in brokerage, dealership, and underwriting business; and Other operating segment of which majority of revenue is from Life insurance. Geographically revenue comes from Taiwan.
54GF Score

Get the complete analysis for LSE:CFHS

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

$19.20
Price
$13.75
GF Value