UY Fincorp (NSE:UYFINCORP) E10: ₹1.01 (As of Mar. 2026)


NSE:UYFINCORP UY Fincorp Ltd NSE:UYFINCORP
76 GF Score
Price ₹16.40
GF Value ₹23.07
Valuation Modestly Undervalued
! 2 Warning Signs
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What is UY Fincorp E10?

UY Fincorp NSE:UYFINCORP +4.66% 76 E10 is ₹1.01 as of Mar. 2026. GuruFocus rates NSE:UYFINCORP with a GF Score™ of 76/100 and a GF Value™ of ₹23.07 (Modestly Undervalued). 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.

UY Fincorp's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.920. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹1.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, UY Fincorp's average E10 Growth Rate was 29.50% 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 (2026-07-13), UY Fincorp's current stock price is ₹16.40. UY Fincorp's E10 for the quarter that ended in Mar. 2026 was ₹1.01. UY Fincorp's Shiller PE Ratio of today is 16.24.

During the past 13 years, the highest Shiller PE Ratio of UY Fincorp was 40.23. The lowest was 12.60. And the median was 22.49.


UY Fincorp  (NSE:UYFINCORP) 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.

UY Fincorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=16.40/1.01
=16.24

* 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 UY Fincorp was 40.23. The lowest was 12.60. And the median was 22.49.


Be Aware

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


UY Fincorp E10 Related Terms


UY Fincorp E10 Historical Data

* Premium members only.

The historical data trend for UY Fincorp'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.

UY Fincorp E10 Chart

UY Fincorp 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 0.00 0.78 1.01

UY Fincorp 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 0.78 0.83 0.86 0.96 1.01

NSE:UYFINCORP vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, UY Fincorp'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.


UY Fincorp Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, UY Fincorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where UY Fincorp's Shiller PE Ratio falls into.


NSE:UYFINCORP
76GF Score
UY Fincorp Ltd NSE:UYFINCORP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UY Fincorp 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, UY Fincorp'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)
=0.92/164.2724*164.2724
=0.920

Current CPI (Mar. 2026) = 164.2724.

UY Fincorp Quarterly Data

per share eps CPI Adj_EPS
201209 0.163 82.244 0.326
201212 0.115 83.774 0.226
201303 -0.107 85.687 -0.205
201403 0.000 91.425 0.000
201503 0.000 97.163 0.000
201603 0.000 102.518 0.000
201703 0.000 105.196 0.000
201803 0.000 109.786 0.000
201806 0.410 111.317 0.605
201809 0.240 115.142 0.342
201812 -0.009 115.142 -0.013
201903 -0.271 118.202 -0.377
201906 0.110 120.880 0.149
201909 0.030 123.175 0.040
201912 -0.050 126.235 -0.065
202003 -0.380 124.705 -0.501
202006 0.200 127.000 0.259
202009 0.170 130.118 0.215
202012 0.340 130.889 0.427
202103 -0.160 131.771 -0.199
202106 0.500 134.084 0.613
202109 0.210 135.847 0.254
202112 -1.280 138.161 -1.522
202203 0.730 138.822 0.864
202206 0.090 142.347 0.104
202209 0.160 144.661 0.182
202212 0.120 145.763 0.135
202303 0.040 146.865 0.045
202306 0.230 150.280 0.251
202309 2.690 151.492 2.917
202312 0.250 152.924 0.269
202403 0.240 153.035 0.258
202406 0.270 155.789 0.285
202409 0.180 157.882 0.187
202412 0.110 158.323 0.114
202503 0.060 157.552 0.063
202506 0.310 159.755 0.319
202509 0.430 162.289 0.435
202512 0.880 163.281 0.885
202603 0.920 164.272 0.920

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 ₹1.01 mean?
UY Fincorp (NSE:UYFINCORP) has a E10 of ₹1.01 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on UY Fincorp and its competitors.
Is UY Fincorp's E10 too high?
UY Fincorp's current E10 is ₹1.01. Overall, UY Fincorp has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UY Fincorp's E10 compare to V and MA?
UY Fincorp's E10 of ₹1.01 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 UY Fincorp and its competitors. UY Fincorp's current E10 is ₹1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UY Fincorp stock overvalued right now?
Based on GuruFocus' analysis, UY Fincorp (NSE:UYFINCORP) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹23.07, compared to a current price of ₹16.40 — trading 28.9% below its estimated fair value. The current E10 is ₹1.01. UY Fincorp's overall GF Score™ is 76/100 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 UY Fincorp (NSE:UYFINCORP), the current E10 is ₹1.01 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 UY Fincorp (NSE:UYFINCORP) Overvalued in 2026?

Based on GuruFocus' analysis, UY Fincorp stock appears to be undervalued. The current stock price of ₹16.40 is trading 28.9% below its estimated GF Value™ of ₹23.07. GuruFocus considers UY Fincorp to be Modestly Undervalued.

Key valuation signals for NSE:UYFINCORP:

  • E10: ₹1.01
  • GF Value™: ₹23.07 vs. price of ₹16.40 (28.9% below fair value)
  • GF Score™: 76/100 with 2 warning signs

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


UY Fincorp Business Description

Other Exchanges 530579:India
Address Marol Makwana Road, Vaman Techno Centre, A-Wing, 7th Floor, Off Andheri-Kurla Road, Andheri (East), Mumbai, MH, IND, 400059
UY Fincorp Ltd is an Indian-based non-banking financial company engaged in Lending & Investing Services. It is into providing inter-corporate loans, personal loans, and investments & trading in securities. The company also offers fund-based services which include real estate funding, industrial assets funding, infrastructure funding, bill discounting, retail finance etc; and fee-based services such as loan syndication and project counseling services.
76GF Score

Get the complete analysis for NSE:UYFINCORP

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

₹16.40
Price
₹23.07
GF Value