Fino Payments Bank (NSE:FINOPB) E10: ₹0.00 (As of Mar. 2026)


NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
56 GF Score
Price ₹143.29
GF Value ₹722.42
Valuation Possible Value Trap
! 3 Warning Signs
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What is Fino Payments Bank E10?

Fino Payments Bank NSE:FINOPB -1.61% 56 E10 is ₹0.00 as of Mar. 2026. GuruFocus rates NSE:FINOPB with a GF Score™ of 56/100 and a GF Value™ of ₹722.42 (Possible Value Trap). 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.

Fino Payments Bank's adjusted earnings per share data for the fiscal year that ended in Mar. 2026 was ₹6.290. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹0.00 for the trailing ten years ended in Mar. 2026.

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 (2026-07-01), Fino Payments Bank's current stock price is ₹ 143.29. Fino Payments Bank's E10 for the fiscal year that ended in Mar. 2026 was ₹0.00. Fino Payments Bank's Shiller PE Ratio of today is .


Fino Payments Bank  (NSE:FINOPB) 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.


Be Aware

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


Fino Payments Bank E10 Related Terms


Fino Payments Bank E10 Historical Data

* Premium members only.

The historical data trend for Fino Payments 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.

Fino Payments Bank E10 Chart

Fino Payments Bank Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Fino Payments 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 0.00 0.00 0.00 0.00 0.00

NSE:FINOPB vs PNC: E10 Comparison

For the Banks - Regional subindustry, Fino Payments 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.


Fino Payments Bank Shiller PE Ratio vs Banks Industry

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

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


NSE:FINOPB
56GF Score
Fino Payments Bank Ltd NSE:FINOPB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fino Payments 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, Fino Payments Bank's adjusted earnings per share data for the fiscal year that ended in Mar. 2026 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=6.29/164.2724*164.2724
=6.290

Current CPI (Mar. 2026) = 164.2724.

Fino Payments Bank does not have a history long enough to calculate E10. Therefore GuruFocus does not calculate it.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹0.00 mean?
Fino Payments Bank (NSE:FINOPB) has a E10 of ₹0.00 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Fino Payments Bank and its competitors.
Is Fino Payments Bank's E10 too high?
Fino Payments Bank's current E10 is ₹0.00. Overall, Fino Payments Bank has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fino Payments Bank's E10 compare to PNC?
Fino Payments Bank's E10 of ₹0.00 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 Fino Payments Bank and its competitors. Fino Payments Bank's current E10 is ₹0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fino Payments Bank stock overvalued right now?
Based on GuruFocus' analysis, Fino Payments Bank (NSE:FINOPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₹722.42, compared to a current price of ₹143.29 — trading 80.2% below its estimated fair value. The current E10 is ₹0.00. Fino Payments Bank's overall GF Score™ is 56/100 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 Fino Payments Bank (NSE:FINOPB), the current E10 is ₹0.00 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 Fino Payments Bank (NSE:FINOPB) Overvalued in 2026?

Based on GuruFocus' analysis, Fino Payments Bank stock appears to be undervalued. The current stock price of ₹143.29 is trading 80.2% below its estimated GF Value™ of ₹722.42. GuruFocus considers Fino Payments Bank to be Possible Value Trap.

Key valuation signals for NSE:FINOPB:

  • E10: ₹0.00
  • GF Value™: ₹722.42 vs. price of ₹143.29 (80.2% below fair value)
  • GF Score™: 56/100 with 3 warning signs

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


Fino Payments Bank Business Description

Other Exchanges 543386:India
Address TTC Industrial Area, Plot No. Gen 2/1/F, Tower 1, 8th Floor, Mindspace Juinagar, MIDC Shirwane, Juinagar, Navi Mumbai, MH, IND, 400706
Fino Payments Bank Ltd is an Indian payments bank providing various banking and financial services, with a focus on meeting the needs of low-income families, small businesses, and rural communities. It offers various services such as savings and current accounts, money transfers, bill payments, and mobile recharges etc., and has partnered with institutions to provide customized offerings like microinsurance and micro-investments. The company operates in four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations. Its key revenue is derived from the Other Banking Operations segment, which includes Business Correspondent Services, Digital Payment Services, Cash Management Services, Domestic Money Transfer, Micro-ATM, and Aadhaar-enabled Payment System (AePS).
56GF Score

Get the complete analysis for NSE:FINOPB

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

₹143.29
Price
₹722.42
GF Value