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Bank Albilad (SAU:1140) E10 : ﷼1.34 (As of Dec. 2024)


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What is Bank Albilad E10?

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 Dec. 2024 was ﷼0.640. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ﷼1.34 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Bank Albilad's average E10 Growth Rate was 13.60% per year. During the past 3 years, the average E10 Growth Rate was 14.20% 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 14.20% per year. The lowest was 14.20% per year. And the median was 14.20% per year.

As of today (2025-04-09), Bank Albilad's current stock price is ﷼34.45. Bank Albilad's E10 for the quarter that ended in Dec. 2024 was ﷼1.34. Bank Albilad's Shiller PE Ratio of today is 25.71.

During the past 13 years, the highest Shiller PE Ratio of Bank Albilad was 49.58. The lowest was 25.16. And the median was 30.15.


Bank Albilad E10 Historical Data

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.

* Premium members only.

Bank Albilad E10 Chart

Bank Albilad Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 0.90 1.03 1.18 1.34

Bank Albilad Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 1.18 1.23 1.27 1.31 1.34

Competitive Comparison of Bank Albilad's E10

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's Shiller PE Ratio Distribution in the 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.


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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 Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=0.64/133.1571*133.1571
=0.640

Current CPI (Dec. 2024) = 133.1571.

Bank Albilad Quarterly Data

per share eps CPI Adj_EPS
201503 0.140 99.621 0.187
201506 0.163 100.684 0.216
201509 0.163 100.392 0.216
201512 0.163 99.792 0.217
201603 0.139 100.470 0.184
201606 0.149 101.688 0.195
201609 0.182 101.861 0.238
201612 0.182 101.863 0.238
201703 0.182 102.862 0.236
201706 0.192 103.349 0.247
201709 0.200 104.136 0.256
201712 0.172 104.011 0.220
201803 0.206 105.290 0.261
201806 0.216 106.317 0.271
201809 0.192 106.507 0.240
201812 -0.108 105.998 -0.136
201903 0.228 107.251 0.283
201906 0.246 108.070 0.303
201909 0.264 108.329 0.325
201912 0.264 108.420 0.324
202003 0.216 108.902 0.264
202006 0.258 108.767 0.316
202009 0.306 109.815 0.371
202012 0.306 109.897 0.371
202103 0.318 111.754 0.379
202106 0.336 114.631 0.390
202109 0.360 115.734 0.414
202112 0.344 117.630 0.389
202203 0.392 121.301 0.430
202206 0.408 125.017 0.435
202209 0.432 125.227 0.459
202212 0.432 125.222 0.459
202303 0.448 127.348 0.468
202306 0.470 128.729 0.486
202309 0.500 129.860 0.513
202312 0.490 129.419 0.504
202403 0.520 131.776 0.525
202406 0.540 132.554 0.542
202409 0.570 133.029 0.571
202412 0.640 133.157 0.640

Add all the adjusted EPS together and divide 10 will get our e10.


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
=34.45/1.34
=25.71

* 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 49.58. The lowest was 25.16. And the median was 30.15.


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

Thank you for viewing the detailed overview of Bank Albilad's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Bank Albilad Business Description

Traded in Other Exchanges
N/A
Address
P.O. Box 140, Riyadh, SAU, 11411
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.

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