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HF Group (NAI:HFCK) E10 : KES0.97 (As of Sep. 2024)


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What is HF Group E10?

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.

HF Group's adjusted earnings per share data for the three months ended in Sep. 2024 was KES0.534. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is KES0.97 for the trailing ten years ended in Sep. 2024.

During the past 12 months, HF Group's average E10 Growth Rate was -34.00% 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.

As of today (2025-03-25), HF Group's current stock price is KES7.00. HF Group's E10 for the quarter that ended in Sep. 2024 was KES0.97. HF Group's Shiller PE Ratio of today is 7.22.

During the past 13 years, the highest Shiller PE Ratio of HF Group was 9.26. The lowest was 1.36. And the median was 2.74.


HF Group E10 Historical Data

The historical data trend for HF Group'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.

* Premium members only.

HF Group E10 Chart

HF Group Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 2.05 1.76 1.36

HF Group Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
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 1.47 1.36 1.10 1.02 0.97

Competitive Comparison of HF Group's E10

For the Banks - Regional subindustry, HF Group'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.


HF Group's Shiller PE Ratio Distribution in the Banks Industry

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

* The bar in red indicates where HF Group's Shiller PE Ratio falls into.



HF Group 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, HF Group's adjusted earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.534/133.0289*133.0289
=0.534

Current CPI (Sep. 2024) = 133.0289.

HF Group Quarterly Data

per share eps CPI Adj_EPS
201412 0.846 99.070 1.136
201503 2.185 99.621 2.918
201506 0.873 100.684 1.153
201509 1.667 100.392 2.209
201512 0.387 99.792 0.516
201603 3.226 100.470 4.271
201606 0.703 101.688 0.920
201609 0.555 101.861 0.725
201612 0.168 101.863 0.219
201703 0.869 102.862 1.124
201706 0.174 103.349 0.224
201709 0.002 104.136 0.003
201712 -0.082 104.011 -0.105
201803 0.397 105.290 0.502
201806 -0.074 106.317 -0.093
201809 -0.834 106.507 -1.042
201812 -0.655 105.998 -0.822
201903 -1.561 107.251 -1.936
201906 0.151 108.070 0.186
201909 0.031 108.329 0.038
201912 -0.063 108.420 -0.077
202003 -0.009 108.902 -0.011
202006 -0.726 108.767 -0.888
202009 -1.070 109.815 -1.296
202012 -2.403 109.897 -2.909
202103 -0.472 111.754 -0.562
202106 -0.380 114.631 -0.441
202109 -0.551 115.734 -0.633
202112 -0.241 117.630 -0.273
202203 0.084 121.301 0.092
202206 0.039 125.017 0.041
202209 0.029 125.227 0.031
202212 0.502 125.222 0.533
202303 0.823 127.348 0.860
202306 0.243 128.729 0.251
202309 0.134 129.860 0.137
202312 0.374 129.419 0.384
202403 1.476 131.776 1.490
202406 0.285 132.554 0.286
202409 0.534 133.029 0.534

Add all the adjusted EPS together and divide 10 will get our e10.


HF Group  (NAI:HFCK) 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.

HF Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.00/0.97
=7.22

* 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 HF Group was 9.26. The lowest was 1.36. And the median was 2.74.


Be Aware

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


HF Group E10 Related Terms

Thank you for viewing the detailed overview of HF Group's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


HF Group Business Description

Traded in Other Exchanges
N/A
Address
Rehani House, Kenyatta Avenue/Koinange Street, Plot No. LR 209/9054, P.O. Box 30088, Nairobi, KEN, 00100
HF Group PLC is a provider of integrated property and financial solutions. It is engaged in the business of mortgage lending, corporate and retail banking solutions, property development, bancassurance services, and social investment. The company operates through four segments namely Retail banking which derives key revenue, Corporate banking and Property development, and Bancassurance. Its Retail segment is further split between Retail loans and Retail deposits. The Corporate segment is moreover divided into Schemes mortgages, Projects, Corporate deposits, and Short-term loans. Property development consists of the development of housing projects and the sale of houses. Bancassurance includes procuring insurance business and earning commissions.

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