Bank Albilad (SAU:1140) E10: ﷼1.33 (As of Mar. 2026)


SAU:1140 Bank Albilad SAU:1140
83 GF Score
Price ﷼24.11
GF Value ﷼33.07
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Bank Albilad E10?

Bank Albilad SAU:1140 +0.12% 83 E10 is ﷼1.33 as of Mar. 2026. GuruFocus rates SAU:1140 with a GF Score™ of 83/100 and a GF Value™ of ﷼33.07 (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.

Bank Albilad's adjusted earnings per share data for the three months ended in Mar. 2026 was ﷼0.490. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ﷼1.33 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank Albilad's average E10 Growth Rate was 13.70% per year. During the past 3 years, the average E10 Growth Rate was 14.60% per year. During the past 5 years, the average E10 Growth Rate was 15.00% 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 Bank Albilad was 15.90% per year. The lowest was 13.60% per year. And the median was 14.45% per year.

As of today (2026-07-07), Bank Albilad's current stock price is ﷼24.11. Bank Albilad's E10 for the quarter that ended in Mar. 2026 was ﷼1.33. Bank Albilad's Shiller PE Ratio of today is 18.13.

During the past 13 years, the highest Shiller PE Ratio of Bank Albilad was 49.47. The lowest was 16.55. And the median was 27.83.


Bank Albilad  (SAU:1140) 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.

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

Shiller PE Ratio=Share Price/E10
=24.11/1.33
=18.13

* 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 Bank Albilad was 49.47. The lowest was 16.55. And the median was 27.83.


Be Aware

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


Bank Albilad E10 Related Terms


Bank Albilad E10 Historical Data

* Premium members only.

The historical data trend for Bank Albilad'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.

Bank Albilad E10 Chart

Bank Albilad 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 0.75 0.85 0.98 1.12 1.28

Bank Albilad 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 1.17 1.21 1.25 1.28 1.33

SAU:1140 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Bank Albilad'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.


Bank Albilad Shiller PE Ratio vs Banks Industry

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

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


SAU:1140
83GF Score
Bank Albilad SAU:1140
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Albilad 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, Bank Albilad'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)
=0.49/330.2130*330.2130
=0.490

Current CPI (Mar. 2026) = 330.2130.

Bank Albilad Quarterly Data

per share eps CPI Adj_EPS
201606 0.124 241.018 0.170
201609 0.152 241.428 0.208
201612 0.152 241.432 0.208
201703 0.152 243.801 0.206
201706 0.160 244.955 0.216
201709 0.166 246.819 0.222
201712 0.143 246.524 0.192
201803 0.172 249.554 0.228
201806 0.180 251.989 0.236
201809 0.160 252.439 0.209
201812 -0.090 251.233 -0.118
201903 0.190 254.202 0.247
201906 0.205 256.143 0.264
201909 0.220 256.759 0.283
201912 0.220 256.974 0.283
202003 0.180 258.115 0.230
202006 0.215 257.797 0.275
202009 0.255 260.280 0.324
202012 0.255 260.474 0.323
202103 0.265 264.877 0.330
202106 0.280 271.696 0.340
202109 0.300 274.310 0.361
202112 0.287 278.802 0.340
202203 0.327 287.504 0.376
202206 0.340 296.311 0.379
202209 0.360 296.808 0.401
202212 0.360 296.797 0.401
202303 0.373 301.836 0.408
202306 0.392 305.109 0.424
202309 0.417 307.789 0.447
202312 0.408 306.746 0.439
202403 0.433 312.332 0.458
202406 0.450 314.175 0.473
202409 0.470 315.301 0.492
202412 0.530 315.605 0.555
202503 0.470 319.799 0.485
202506 0.510 322.561 0.522
202509 0.510 324.800 0.518
202512 0.490 324.054 0.499
202603 0.490 330.213 0.490

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 ﷼1.33 mean?
Bank Albilad (SAU:1140) has a E10 of ﷼1.33 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank Albilad and its competitors.
Is Bank Albilad's E10 too high?
Bank Albilad's current E10 is ﷼1.33. Overall, Bank Albilad has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's E10 compare to PNC and USB?
Bank Albilad's E10 of ﷼1.33 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 Bank Albilad and its competitors. Bank Albilad's current E10 is ﷼1.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼33.07, compared to a current price of ﷼24.11 — trading 27.1% below its estimated fair value. The current E10 is ﷼1.33. Bank Albilad's overall GF Score™ is 83/100 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 Bank Albilad (SAU:1140), the current E10 is ﷼1.33 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 Bank Albilad (SAU:1140) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued. The current stock price of ﷼24.11 is trading 27.1% below its estimated GF Value™ of ﷼33.07. GuruFocus considers Bank Albilad to be Modestly Undervalued.

Key valuation signals for SAU:1140:

  • E10: ﷼1.33
  • GF Value™: ﷼33.07 vs. price of ﷼24.11 (27.1% below fair value)
  • GF Score™: 83/100 with 2 warning signs

No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Albilad Business Description

Address 8229 Al Mutamarat, Unit 2, Riyadh, SAU, 3952- 12711
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
83GF Score

Get the complete analysis for SAU:1140

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

﷼24.11
Price
﷼33.07
GF Value