HFCB Group (NAI:HFCK) E10: KES-0.18 (As of Mar. 2026)


NAI:HFCK HFCB Group PLC NAI:HFCK
30 GF Score
Price KES10.50
GF Value KES2.20
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is HFCB Group E10?

HFCB Group NAI:HFCK -0.94% 30 E10 is KES-0.18 as of Mar. 2026. GuruFocus rates NAI:HFCK with a GF Score™ of 30/100 and a GF Value™ of KES2.20 (Significantly 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.

HFCB Group's adjusted earnings per share data for the three months ended in Mar. 2026 was KES0.250. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is KES-0.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, HFCB Group's average E10 Growth Rate was -131.60% per year. During the past 3 years, the average E10 Growth Rate was -46.90% 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 HFCB Group was -19.80% per year. The lowest was -46.90% per year. And the median was -33.35% per year.

As of today (2026-07-06), HFCB Group's current stock price is KES10.50. HFCB Group's E10 for the quarter that ended in Mar. 2026 was KES-0.18. HFCB Group's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of HFCB Group was 46.88. The lowest was 1.71. And the median was 3.44.


HFCB 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.

During the past 13 years, the highest Shiller P/E Ratio of HFCB Group was 46.88. The lowest was 1.71. And the median was 3.44.


Be Aware

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


HFCB Group E10 Related Terms


HFCB Group E10 Historical Data

* Premium members only.

The historical data trend for HFCB 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.

HFCB Group E10 Chart

HFCB Group 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 1.63 1.60 1.36 0.84 0.24

HFCB Group 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 0.57 0.47 0.27 0.24 -0.18

NAI:HFCK vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, HFCB 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.


HFCB Group Shiller PE Ratio vs Banks Industry

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

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


NAI:HFCK
30GF Score
HFCB Group PLC NAI:HFCK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

HFCB 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, HFCB Group'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)
=0.25/330.2130*330.2130
=0.250

Current CPI (Mar. 2026) = 330.2130.

HFCB Group Quarterly Data

per share eps CPI Adj_EPS
201606 0.703 241.018 0.963
201609 0.555 241.428 0.759
201612 0.168 241.432 0.230
201703 0.869 243.801 1.177
201706 0.174 244.955 0.235
201709 0.002 246.819 0.003
201712 -0.082 246.524 -0.110
201803 0.397 249.554 0.525
201806 -0.074 251.989 -0.097
201809 -0.834 252.439 -1.091
201812 -0.655 251.233 -0.861
201903 -1.561 254.202 -2.028
201906 0.151 256.143 0.195
201909 0.031 256.759 0.040
201912 -0.063 256.974 -0.081
202003 -0.009 258.115 -0.012
202006 -0.726 257.797 -0.930
202009 -1.070 260.280 -1.357
202012 -2.403 260.474 -3.046
202103 -0.472 264.877 -0.588
202106 -0.380 271.696 -0.462
202109 -0.551 274.310 -0.663
202112 -0.241 278.802 -0.285
202203 0.084 287.504 0.096
202206 0.039 296.311 0.043
202209 0.029 296.808 0.032
202212 0.502 296.797 0.559
202303 0.823 301.836 0.900
202306 0.243 305.109 0.263
202309 0.134 307.789 0.144
202312 0.374 306.746 0.403
202403 1.310 312.332 1.385
202406 0.285 314.175 0.300
202409 0.534 315.301 0.559
202412 0.022 315.605 0.023
202503 0.140 319.799 0.145
202506 0.157 322.561 0.161
202509 0.193 324.800 0.196
202512 0.230 324.054 0.234
202603 0.250 330.213 0.250

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 KES-0.18 mean?
HFCB Group (NAI:HFCK) has a E10 of KES-0.18 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on HFCB Group and its competitors.
Is HFCB Group's E10 too high?
HFCB Group's current E10 is KES-0.18. Overall, HFCB Group has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HFCB Group's E10 compare to PNC and USB?
HFCB Group's E10 of KES-0.18 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 HFCB Group and its competitors. HFCB Group's current E10 is KES-0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFCB Group stock overvalued right now?
Based on GuruFocus' analysis, HFCB Group (NAI:HFCK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES2.20, compared to a current price of KES10.50 — trading 377.3% above its estimated fair value. The current E10 is KES-0.18. HFCB Group's overall GF Score™ is 30/100 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 HFCB Group (NAI:HFCK), the current E10 is KES-0.18 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 HFCB Group (NAI:HFCK) Overvalued in 2026?

Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued. The current stock price of KES10.50 is trading 377.3% above its estimated GF Value™ of KES2.20. GuruFocus considers HFCB Group to be Significantly Overvalued.

Key valuation signals for NAI:HFCK:

  • E10: KES-0.18
  • GF Value™: KES2.20 vs. price of KES10.50 (377.3% above fair value)
  • GF Score™: 30/100 with 2 warning signs

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


HFCB Group Business Description

Address Kenyatta Avenue, Koinange Street, Rehani House, Plot No. LR 209/905, P.O. Box 30088, Nairobi, KEN, 00100
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
30GF Score

Get the complete analysis for NAI:HFCK

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

KES10.50
Price
KES2.20
GF Value