Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) E10: MXN1.35 (As of Jun. 2026)

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MEX:FINDEP Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
55 GF Score
Price MXN6.75
GF Value MXN7.90
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Financiera IndependenciaB de CV Sofom E N R E10?

Financiera IndependenciaB de CV Sofom E N R MEX:FINDEP 55 E10 is MXN1.35 as of Jun. 2026. GuruFocus rates MEX:FINDEP with a GF Score™ of 55/100 and a GF Value™ of MXN7.90 (Modestly Undervalued). 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.

Financiera IndependenciaB de CV Sofom E N R's adjusted earnings per share data for the three months ended in Jun. 2026 was MXN0.425. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN1.35 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Financiera IndependenciaB de CV Sofom E N R's average E10 Growth Rate was 10.60% per year. During the past 3 years, the average E10 Growth Rate was 14.50% per year. During the past 5 years, the average E10 Growth Rate was 21.90% 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 Financiera IndependenciaB de CV Sofom E N R was 26.70% per year. The lowest was -14.70% per year. And the median was 14.50% per year.

As of today (2026-08-11), Financiera IndependenciaB de CV Sofom E N R's current stock price is MXN6.75. Financiera IndependenciaB de CV Sofom E N R's E10 for the quarter that ended in Jun. 2026 was MXN1.35. Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio of today is 5.00.

During the past 13 years, the highest Shiller PE Ratio of Financiera IndependenciaB de CV Sofom E N R was 15.00. The lowest was 3.78. And the median was 8.88.


Financiera IndependenciaB de CV Sofom E N R  (MEX:FINDEP) 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.

Financiera IndependenciaB de CV Sofom E N R's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=6.75/1.35
=5.00

* 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 Financiera IndependenciaB de CV Sofom E N R was 15.00. The lowest was 3.78. And the median was 8.88.


Be Aware

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


Financiera IndependenciaB de CV Sofom E N R E10 Related Terms


Financiera IndependenciaB de CV Sofom E N R E10 Historical Data

* Premium members only.

The historical data trend for Financiera IndependenciaB de CV Sofom E N R'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.

Financiera IndependenciaB de CV Sofom E N R E10 Chart

Financiera IndependenciaB de CV Sofom E N R 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 0.57 0.86 1.00 1.16 1.29

Financiera IndependenciaB de CV Sofom E N R Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 1.23 1.25 1.29 1.33 1.35

MEX:FINDEP vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R'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.


Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio falls into.


MEX:FINDEP
55GF Score
Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Financiera IndependenciaB de CV Sofom E N R 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, Financiera IndependenciaB de CV Sofom E N R's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.425/165.5700*165.5700
=0.425

Current CPI (Jun. 2026) = 165.5700.

Financiera IndependenciaB de CV Sofom E N R Quarterly Data

per share eps CPI Adj_EPS
201609 0.226 103.084 0.363
201612 0.137 105.002 0.216
201703 0.168 108.063 0.257
201706 0.185 108.339 0.283
201709 0.169 109.628 0.255
201712 0.092 112.114 0.136
201803 0.075 113.505 0.109
201806 0.229 113.373 0.334
201809 0.206 115.130 0.296
201812 0.223 117.530 0.314
201903 0.175 118.050 0.245
201906 0.246 117.848 0.346
201909 0.212 118.581 0.296
201912 0.288 120.854 0.395
202003 0.205 121.885 0.278
202006 -0.168 121.777 -0.228
202009 -0.086 123.341 -0.115
202012 -1.174 124.661 -1.559
202103 0.335 127.574 0.435
202106 0.359 128.936 0.461
202109 0.360 130.742 0.456
202112 -0.026 133.830 -0.032
202203 0.435 137.082 0.525
202206 0.449 139.233 0.534
202209 0.454 142.116 0.529
202212 0.514 144.291 0.590
202303 0.492 146.472 0.556
202306 0.490 146.272 0.555
202309 0.484 148.446 0.540
202312 0.637 151.017 0.698
202403 0.694 152.947 0.751
202406 0.573 153.551 0.618
202409 0.588 155.246 0.627
202412 0.694 157.378 0.730
202503 0.516 158.761 0.538
202506 0.431 160.180 0.446
202509 0.423 161.030 0.435
202512 0.442 163.190 0.448
202603 0.437 166.040 0.436
202606 0.425 165.570 0.425

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 MXN1.35 mean?
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a E10 of MXN1.35 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors.
Is Financiera IndependenciaB de CV Sofom E N R's E10 too high?
Financiera IndependenciaB de CV Sofom E N R's current E10 is MXN1.35. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's E10 compare to V and MA?
Financiera IndependenciaB de CV Sofom E N R's E10 of MXN1.35 can be compared against companies in the Credit Services 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 Credit Services company?
A good E10 depends on the Credit Services 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 Financiera IndependenciaB de CV Sofom E N R and its competitors. Financiera IndependenciaB de CV Sofom E N R's current E10 is MXN1.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN7.90, compared to a current price of MXN6.75 — trading 14.6% below its estimated fair value. The current E10 is MXN1.35. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 55/100 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current E10 is MXN1.35 as of Jun. 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?

Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued. The current stock price of MXN6.75 is trading 14.6% below its estimated GF Value™ of MXN7.90. GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.

Key valuation signals for MEX:FINDEP:

  • E10: MXN1.35
  • GF Value™: MXN7.90 vs. price of MXN6.75 (14.6% below fair value)
  • GF Score™: 55/100 with 3 warning signs

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


Financiera IndependenciaB de CV Sofom E N R Business Description

Address Prolongacion Paseo de la Reforma No. 600, Int. 420, Col. Santa Fe Pena Blanca, Mexico DF, MEX, 01210
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
55GF Score

Get the complete analysis for MEX:FINDEP

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

MXN6.75
Price
MXN7.90
GF Value