Shanghai Rural Commercial Bank Co (SHSE:601825) E10: ¥1.18 (As of Mar. 2026)

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SHSE:601825 Shanghai Rural Commercial Bank Co Ltd SHSE:601825
51 GF Score
Price ¥8.34
GF Value ¥7.93
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Shanghai Rural Commercial Bank Co E10?

Shanghai Rural Commercial Bank Co SHSE:601825 -0.24% 51 E10 is ¥1.18 as of Mar. 2026. GuruFocus rates SHSE:601825 with a GF Score™ of 51/100 and a GF Value™ of ¥7.93 (Fairly Valued). The stock has 4 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.

Shanghai Rural Commercial Bank Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ¥0.370. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ¥1.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Shanghai Rural Commercial Bank Co's average E10 Growth Rate was 1.70% per year. During the past 3 years, the average E10 Growth Rate was 2.10% per year. During the past 5 years, the average E10 Growth Rate was 4.20% 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 Shanghai Rural Commercial Bank Co was 5.30% per year. The lowest was 2.10% per year. And the median was 4.80% per year.

As of today (2026-07-29), Shanghai Rural Commercial Bank Co's current stock price is ¥8.34. Shanghai Rural Commercial Bank Co's E10 for the quarter that ended in Mar. 2026 was ¥1.18. Shanghai Rural Commercial Bank Co's Shiller PE Ratio of today is 7.07.

During the past 13 years, the highest Shiller PE Ratio of Shanghai Rural Commercial Bank Co was 9.93. The lowest was 4.77. And the median was 6.40.


Shanghai Rural Commercial Bank Co  (SHSE:601825) 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.

Shanghai Rural Commercial Bank Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.34/1.18
=7.07

* 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 Shanghai Rural Commercial Bank Co was 9.93. The lowest was 4.77. And the median was 6.40.


Be Aware

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


Shanghai Rural Commercial Bank Co E10 Related Terms


Shanghai Rural Commercial Bank Co E10 Historical Data

* Premium members only.

The historical data trend for Shanghai Rural Commercial Bank Co'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.

Shanghai Rural Commercial Bank Co E10 Chart

Shanghai Rural Commercial Bank Co 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 1.00 1.10 1.12 1.15 1.17

Shanghai Rural Commercial Bank Co 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 1.16 1.16 1.18 1.17 1.18

Shanghai Rural Commercial Bank Co E10 Competitor Comparison

For the Banks - Regional subindustry, Shanghai Rural Commercial Bank Co'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.


Shanghai Rural Commercial Bank Co Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Shanghai Rural Commercial Bank Co's Shiller PE Ratio falls into.


SHSE:601825
51GF Score
Shanghai Rural Commercial Bank Co Ltd SHSE:601825
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Shanghai Rural Commercial Bank Co 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, Shanghai Rural Commercial Bank Co'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)
=0.37/116.3033*116.3033
=0.370

Current CPI (Mar. 2026) = 116.3033.

Shanghai Rural Commercial Bank Co Quarterly Data

per share eps CPI Adj_EPS
201606 0.000 101.400 0.000
201609 0.000 102.400 0.000
201612 0.289 102.600 0.328
201703 0.332 103.200 0.374
201706 0.339 103.100 0.382
201709 0.321 104.100 0.359
201712 0.226 104.500 0.252
201803 0.239 105.300 0.264
201806 0.241 104.900 0.267
201809 0.240 106.600 0.262
201812 0.179 106.500 0.195
201903 0.263 107.700 0.284
201906 0.282 107.700 0.305
201909 0.232 109.800 0.246
201912 0.242 111.200 0.253
202003 0.280 112.300 0.290
202006 0.220 110.400 0.232
202009 0.227 111.700 0.236
202012 0.210 111.500 0.219
202103 0.280 112.662 0.289
202106 0.310 111.769 0.323
202109 0.280 112.215 0.290
202112 0.210 113.108 0.216
202203 0.320 114.335 0.326
202206 0.290 114.558 0.294
202209 0.320 115.339 0.323
202212 0.210 115.116 0.212
202303 0.360 115.116 0.364
202306 0.360 114.558 0.365
202309 0.360 115.339 0.363
202312 0.180 114.781 0.182
202403 0.370 115.227 0.373
202406 0.350 114.781 0.355
202409 0.370 115.785 0.372
202412 0.180 114.893 0.182
202503 0.370 115.116 0.374
202506 0.360 114.907 0.364
202509 0.370 115.471 0.373
202512 0.180 115.832 0.181
202603 0.370 116.303 0.370

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 ¥1.18 mean?
Shanghai Rural Commercial Bank Co (SHSE:601825) has a E10 of ¥1.18 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Shanghai Rural Commercial Bank Co and its competitors.
Is Shanghai Rural Commercial Bank Co's E10 too high?
Shanghai Rural Commercial Bank Co's current E10 is ¥1.18. Overall, Shanghai Rural Commercial Bank Co has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Shanghai Rural Commercial Bank Co's E10 compare to competitors?
Shanghai Rural Commercial Bank Co's E10 of ¥1.18 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 Shanghai Rural Commercial Bank Co and its competitors. Shanghai Rural Commercial Bank Co's current E10 is ¥1.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shanghai Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co (SHSE:601825) is currently considered Fairly Valued. The stock's GF Value™ is ¥7.93, compared to a current price of ¥8.34 — trading 5.2% above its estimated fair value. The current E10 is ¥1.18. Shanghai Rural Commercial Bank Co's overall GF Score™ is 51/100 with 4 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 Shanghai Rural Commercial Bank Co (SHSE:601825), the current E10 is ¥1.18 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 Shanghai Rural Commercial Bank Co (SHSE:601825) Overvalued in 2026?

Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥8.34 is trading 5.2% above its estimated GF Value™ of ¥7.93. GuruFocus considers Shanghai Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601825:

  • E10: ¥1.18
  • GF Value™: ¥7.93 vs. price of ¥8.34 (5.2% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the SHSE:601825 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Shanghai Rural Commercial Bank Co Business Description

Address No. 70, Zhongshan East 2nd Road, Huangpu District, Shanghai, CHN, 200002
Shanghai Rural Commercial Bank Co Ltd is engaged in the corporate banking, personal banking, and financial market business. The Corporate Banking Business segment serves corporate clients by offering deposits, lending, investment banking, settlement and cash management, bill services, and trade finance solutions. The Personal Banking Business segment caters to individual customers, providing services such as personal deposits, personal loans, bank card operations, settlement, agency services, and various other offerings. The Financial Market Business segment covers activities including money market dealings, repurchase agreements, bond investments, interest rate and precious metals derivatives transactions, and wealth management services.
51GF Score

Get the complete analysis for SHSE:601825

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

¥8.34
Price
¥7.93
GF Value