Asia United Bank (PHS:AUB) E10: ₱4.53 (As of Mar. 2026)


PHS:AUB Asia United Bank Corp PHS:AUB
66 GF Score
Price ₱44.60
GF Value ₱38.42
Valuation Modestly Overvalued
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What is Asia United Bank E10?

Asia United Bank PHS:AUB +0.56% 66 E10 is ₱4.53 as of Mar. 2026. GuruFocus rates PHS:AUB with a GF Score™ of 66/100 and a GF Value™ of ₱38.42 (Modestly Overvalued).

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.

Asia United Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₱2.196. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₱4.53 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Asia United Bank's average E10 Growth Rate was 23.10% per year. During the past 3 years, the average E10 Growth Rate was 8.40% per year. During the past 5 years, the average E10 Growth Rate was 6.50% 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Asia United Bank was 8.40% per year. The lowest was 0.00% per year. And the median was 4.20% per year.

As of today (2026-06-26), Asia United Bank's current stock price is ₱44.60. Asia United Bank's E10 for the quarter that ended in Mar. 2026 was ₱4.53. Asia United Bank's Shiller PE Ratio of today is 9.85.

During the past 13 years, the highest Shiller PE Ratio of Asia United Bank was 13.53. The lowest was 3.86. And the median was 5.40.


Asia United Bank  (PHS:AUB) 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.

Asia United Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=44.60/4.53
=9.85

* 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 Asia United Bank was 13.53. The lowest was 3.86. And the median was 5.40.


Be Aware

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


Asia United Bank E10 Related Terms


Asia United Bank E10 Historical Data

* Premium members only.

The historical data trend for Asia United 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.

Asia United Bank E10 Chart

Asia United Bank 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 3.06 3.37 2.89 3.46 4.29

Asia United 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 3.68 3.88 4.10 4.29 4.53

Asia United Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Asia United 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.


Asia United Bank Shiller PE Ratio vs Banks Industry

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

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


PHS:AUB
66GF Score
Asia United Bank Corp PHS:AUB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Asia United 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, Asia United Bank'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)
=2.196/330.2130*330.2130
=2.196

Current CPI (Mar. 2026) = 330.2130.

Asia United Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.463 241.018 0.634
201609 0.405 241.428 0.554
201612 0.317 241.432 0.434
201703 0.445 243.801 0.603
201706 0.466 244.955 0.628
201709 0.581 246.819 0.777
201712 -0.057 246.524 -0.076
201803 0.545 249.554 0.721
201806 0.530 251.989 0.695
201809 0.488 252.439 0.638
201812 0.197 251.233 0.259
201903 0.759 254.202 0.986
201906 1.003 256.143 1.293
201909 0.840 256.759 1.080
201912 0.459 256.974 0.590
202003 0.813 258.115 1.040
202006 0.765 257.797 0.980
202009 1.000 260.280 1.269
202012 -0.501 260.474 -0.635
202103 0.498 264.877 0.621
202106 0.831 271.696 1.010
202109 0.686 274.310 0.826
202112 0.768 278.802 0.910
202203 0.904 287.504 1.038
202206 1.098 296.311 1.224
202209 1.165 296.808 1.296
202212 1.138 296.797 1.266
202303 2.078 301.836 2.273
202306 1.450 305.109 1.569
202309 1.340 307.789 1.438
202312 1.499 306.746 1.614
202403 0.160 312.332 0.169
202406 1.987 314.175 2.088
202409 2.298 315.301 2.407
202412 1.897 315.605 1.985
202503 2.157 319.799 2.227
202506 2.052 322.561 2.101
202509 2.225 324.800 2.262
202512 2.296 324.054 2.340
202603 2.196 330.213 2.196

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 ₱4.53 mean?
Asia United Bank (PHS:AUB) has a E10 of ₱4.53 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Asia United Bank and its competitors.
Is Asia United Bank's E10 too high?
Asia United Bank's current E10 is ₱4.53. Overall, Asia United Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's E10 compare to competitors?
Asia United Bank's E10 of ₱4.53 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 Asia United Bank and its competitors. Asia United Bank's current E10 is ₱4.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia United Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia United Bank (PHS:AUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱38.42, compared to a current price of ₱44.60 — trading 16.1% above its estimated fair value. The current E10 is ₱4.53. Asia United Bank's overall GF Score™ is 66/100. 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 Asia United Bank (PHS:AUB), the current E10 is ₱4.53 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 Asia United Bank (PHS:AUB) Overvalued in 2026?

Based on GuruFocus' analysis, Asia United Bank stock appears to be overvalued. The current stock price of ₱44.60 is trading 16.1% above its estimated GF Value™ of ₱38.42. GuruFocus considers Asia United Bank to be Modestly Overvalued.

Key valuation signals for PHS:AUB:

  • E10: ₱4.53
  • GF Value™: ₱38.42 vs. price of ₱44.60 (16.1% above fair value)
  • GF Score™: 66/100

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


Asia United Bank Business Description

Address No. 17 ADB Avenue, Joy-Nostalg Center, Ortigas Center, Pasig City, PHL, 1600
Asia United Bank Corp is a banking service provider in the Philippines. It offers banking and financial products to corporate and individual customers. It functions through five divisions. Commercial Banking provides lending, trade, and cash management services to corporate and institutional customers. The Consumer Banking segment offers banking services to retail customers. The Treasury segment functions include managing the group's reserve and liquidity position and maintaining its balance sheet by investing in sovereign and corporate debt instruments. The Branch Banking segment, which is the key revenue driver, offers retail deposit products. The Others segment includes the group's income from trust activities, remittances, investment banking, and gains on foreclosed properties.
66GF Score

Get the complete analysis for PHS:AUB

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

₱44.60
Price
₱38.42
GF Value