AEON Financial Service Co (STU:67J) E10: €0.77 (As of Feb. 2026)

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STU:67J AEON Financial Service Co Ltd STU:67J
68 GF Score
Price €8.10
GF Value €8.76
! 2 Warning Signs
View Full Analysis

What is AEON Financial Service Co E10?

AEON Financial Service Co STU:67J 68 E10 is €0.77 as of Feb. 2026. GuruFocus rates STU:67J with a GF Score™ of 68/100 and a GF Value™ of €8.76. 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.

AEON Financial Service Co's adjusted earnings per share data for the three months ended in Feb. 2026 was €0.168. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.77 for the trailing ten years ended in Feb. 2026.

During the past 12 months, AEON Financial Service Co's average E10 Growth Rate was -5.20% per year. During the past 3 years, the average E10 Growth Rate was 2.60% per year. During the past 5 years, the average E10 Growth Rate was 5.60% 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 AEON Financial Service Co was 8.80% per year. The lowest was 2.60% per year. And the median was 7.20% per year.

As of today (2026-07-17), AEON Financial Service Co's current stock price is €8.10. AEON Financial Service Co's E10 for the quarter that ended in Feb. 2026 was €0.77. AEON Financial Service Co's Shiller PE Ratio of today is 10.52.

During the past 13 years, the highest Shiller PE Ratio of AEON Financial Service Co was 26.46. The lowest was 6.18. And the median was 9.58.


AEON Financial Service Co  (STU:67J) 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.

AEON Financial Service Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.10/0.77
=10.52

* 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 AEON Financial Service Co was 26.46. The lowest was 6.18. And the median was 9.58.


Be Aware

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


AEON Financial Service Co E10 Related Terms


AEON Financial Service Co E10 Historical Data

* Premium members only.

The historical data trend for AEON Financial Service 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.

AEON Financial Service Co E10 Chart

AEON Financial Service Co Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Feb21 Feb22 Feb23 Feb24 Feb25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.95 0.97

AEON Financial Service Co Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
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 0.90 0.85 0.81 0.77 0.00

STU:67J vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, AEON Financial Service 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.


AEON Financial Service Co Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where AEON Financial Service Co's Shiller PE Ratio falls into.


STU:67J
68GF Score
AEON Financial Service Co Ltd STU:67J
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AEON Financial Service 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, AEON Financial Service Co's adjusted earnings per share data for the three months ended in Feb. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=0.168/112.2000*112.2000
=0.168

Current CPI (Feb. 2026) = 112.2000.

AEON Financial Service Co Quarterly Data

per share eps CPI Adj_EPS
201603 0.490 97.900 0.562
201606 0.380 98.100 0.435
201609 0.345 98.000 0.395
201612 0.316 98.400 0.360
201703 0.504 98.100 0.576
201706 0.247 98.500 0.281
201709 0.339 98.800 0.385
201712 0.287 99.400 0.324
201803 0.429 99.200 0.485
201806 0.253 99.200 0.286
201809 0.354 99.900 0.398
201812 0.405 99.700 0.456
201903 0.340 99.700 0.383
201906 0.259 99.800 0.291
201909 0.182 100.100 0.204
201912 0.385 100.500 0.430
202005 -0.043 100.100 -0.048
202008 0.095 100.100 0.106
202011 0.322 99.500 0.363
202102 0.278 99.800 0.313
202105 0.408 99.400 0.461
202108 0.233 99.700 0.262
202111 0.149 100.100 0.167
202202 0.278 100.700 0.310
202205 0.269 101.800 0.296
202208 0.348 102.700 0.380
202211 0.133 103.900 0.144
202302 0.270 104.000 0.291
202305 0.112 105.100 0.120
202308 0.107 105.900 0.113
202311 0.046 106.900 0.048
202402 0.346 106.900 0.363
202405 0.167 108.100 0.173
202408 0.119 109.100 0.122
202411 0.101 110.000 0.103
202502 0.055 110.800 0.056
202505 0.124 111.800 0.124
202508 0.118 112.100 0.118
202511 0.147 113.200 0.146
202602 0.168 112.200 0.168

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 €0.77 mean?
AEON Financial Service Co (STU:67J) has a E10 of €0.77 as of Feb. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on AEON Financial Service Co and its competitors.
Is AEON Financial Service Co's E10 too high?
AEON Financial Service Co's current E10 is €0.77. Overall, AEON Financial Service Co has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's E10 compare to V and MA?
AEON Financial Service Co's E10 of €0.77 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 AEON Financial Service Co and its competitors. AEON Financial Service Co's current E10 is €0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Financial Service Co stock overvalued right now?
AEON Financial Service Co (STU:67J) has a current E10 of €0.77. The stock's GF Value™ is €8.76, compared to a current price of €8.10 — trading 7.5% below its estimated fair value. The current E10 is €0.77. AEON Financial Service Co's overall GF Score™ is 68/100 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 AEON Financial Service Co (STU:67J), the current E10 is €0.77 as of Feb. 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 AEON Financial Service Co (STU:67J) Overvalued in 2026?

Based on GuruFocus' analysis, AEON Financial Service Co stock appears to be undervalued. The current stock price of €8.10 is trading 7.5% below its estimated GF Value™ of €8.76.

Key valuation signals for STU:67J:

  • E10: €0.77
  • GF Value™: €8.76 vs. price of €8.10 (7.5% below fair value)
  • GF Score™: 68/100 with 2 warning signs

No single metric tells the full story. See the STU:67J stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


AEON Financial Service Co Business Description

Other Exchanges 8570:Japan
Address 1-1 Kanda Nishikicho, Chiyoda-ku, Tokyo, JPN
AEON Financial Service Co Ltd is a comprehensive financial group consisting of a bank holding company and its subsidiaries, which grew out of Aeon Group's retail operations. It currently operates a network of hundreds of sales bases throughout Asia, particularly in Japan, China, Thailand, and Malaysia. The bank provides various financial services, payment services, housing loans, deposits, installment sales, and overseas services to customers through points of sale closely linked to community lifestyles. These include shopping centers and retail malls, convenience stores, and specialty stores, among others. Net fee and commission income is the company's main source of net revenue.
68GF Score

Get the complete analysis for STU:67J

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

€8.10
Price
€8.76
GF Value