SRG Housing Finance (NSE:SRGHFL) E10: ₹16.97 (As of Jun. 2026)

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NSE:SRGHFL SRG Housing Finance Ltd NSE:SRGHFL
77 GF Score
Price ₹256.60
GF Value ₹448.45
Valuation Possible Value Trap
! 8 Warning Signs
View Full Analysis

What is SRG Housing Finance E10?

SRG Housing Finance NSE:SRGHFL +0.23% 77 E10 is ₹16.97 as of Jun. 2026. GuruFocus rates NSE:SRGHFL with a GF Score™ of 77/100 and a GF Value™ of ₹448.45 (Possible Value Trap). The stock has 8 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.

SRG Housing Finance's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹5.390. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹16.97 for the trailing ten years ended in Jun. 2026.

During the past 12 months, SRG Housing Finance's average E10 Growth Rate was 18.70% per year. During the past 3 years, the average E10 Growth Rate was 15.80% 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 SRG Housing Finance was 15.80% per year. The lowest was 15.80% per year. And the median was 15.80% per year.

As of today (2026-08-26), SRG Housing Finance's current stock price is ₹256.60. SRG Housing Finance's E10 for the quarter that ended in Jun. 2026 was ₹16.97. SRG Housing Finance's Shiller PE Ratio of today is 15.12.

During the past 13 years, the highest Shiller PE Ratio of SRG Housing Finance was 32.86. The lowest was 14.54. And the median was 22.67.


SRG Housing Finance  (NSE:SRGHFL) 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.

SRG Housing Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=256.60/16.97
=15.12

* 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 SRG Housing Finance was 32.86. The lowest was 14.54. And the median was 22.67.


Be Aware

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


SRG Housing Finance E10 Related Terms


SRG Housing Finance E10 Historical Data

* Premium members only.

The historical data trend for SRG Housing Finance'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.

SRG Housing Finance E10 Chart

SRG Housing Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 11.32 13.96 16.52

SRG Housing Finance 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 13.91 14.91 15.10 16.52 16.97

NSE:SRGHFL vs RKT, FNMA, PFSI: E10 Comparison

For the Mortgage Finance subindustry, SRG Housing Finance'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.


SRG Housing Finance Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where SRG Housing Finance's Shiller PE Ratio falls into.


NSE:SRGHFL
77GF Score
SRG Housing Finance Ltd NSE:SRGHFL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SRG Housing Finance 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, SRG Housing Finance'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)
=5.39/167.3573*167.3573
=5.390

Current CPI (Jun. 2026) = 167.3573.

SRG Housing Finance Quarterly Data

per share eps CPI Adj_EPS
201609 0.610 105.961 0.963
201612 0.430 105.196 0.684
201703 0.750 105.196 1.193
201706 1.190 107.109 1.859
201709 1.460 109.021 2.241
201712 1.770 109.404 2.708
201803 2.800 109.786 4.268
201806 2.550 111.317 3.834
201809 3.310 115.142 4.811
201812 3.810 115.142 5.538
201903 1.590 118.202 2.251
201906 3.200 120.880 4.430
201909 4.730 123.175 6.427
201912 3.940 126.235 5.223
202003 1.950 124.705 2.617
202006 2.720 127.000 3.584
202009 4.600 130.118 5.917
202012 4.380 130.889 5.600
202103 2.790 131.771 3.543
202106 3.140 134.084 3.919
202109 4.390 135.847 5.408
202112 3.670 138.161 4.446
202203 4.430 138.822 5.341
202206 3.780 142.347 4.444
202209 3.370 144.661 3.899
202212 2.740 145.763 3.146
202303 3.090 146.865 3.521
202306 3.250 150.280 3.619
202309 3.900 151.492 4.308
202312 3.940 152.924 4.312
202403 4.510 153.035 4.932
202406 4.340 155.789 4.662
202409 4.620 157.882 4.897
202412 4.160 158.323 4.397
202503 4.160 157.552 4.419
202506 4.320 159.755 4.526
202509 5.260 162.289 5.424
202512 5.230 163.281 5.361
202603 5.890 164.272 6.001
202606 5.390 167.357 5.390

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 ₹16.97 mean?
SRG Housing Finance (NSE:SRGHFL) has a E10 of ₹16.97 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on SRG Housing Finance and its competitors.
Is SRG Housing Finance's E10 too high?
SRG Housing Finance's current E10 is ₹16.97. Overall, SRG Housing Finance has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's E10 compare to RKT and FNMA?
SRG Housing Finance's E10 of ₹16.97 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 SRG Housing Finance and its competitors. SRG Housing Finance's current E10 is ₹16.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (NSE:SRGHFL) is currently considered Possible Value Trap. The stock's GF Value™ is ₹448.45, compared to a current price of ₹256.60 — trading 42.8% below its estimated fair value. The current E10 is ₹16.97. SRG Housing Finance's overall GF Score™ is 77/100 with 8 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 SRG Housing Finance (NSE:SRGHFL), the current E10 is ₹16.97 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 SRG Housing Finance (NSE:SRGHFL) Overvalued in 2026?

Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued. The current stock price of ₹256.60 is trading 42.8% below its estimated GF Value™ of ₹448.45. GuruFocus considers SRG Housing Finance to be Possible Value Trap.

Key valuation signals for NSE:SRGHFL:

  • E10: ₹16.97
  • GF Value™: ₹448.45 vs. price of ₹256.60 (42.8% below fair value)
  • GF Score™: 77/100 with 8 warning signs

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


SRG Housing Finance Business Description

Other Exchanges 534680:India
Address No. 12, SRG House, Opposite Paras Health Hospital, Shobhagpura, Udaipur, RJ, IND, 313001
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
77GF Score

Get the complete analysis for NSE:SRGHFL

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

₹256.60
Price
₹448.45
GF Value