CrediaBank (STU:BCA0) E10: €-7,700.77 (As of Mar. 2026)


STU:BCA0 CrediaBank SA STU:BCA0
29 GF Score
Price €1.08
! 2 Warning Signs
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What is CrediaBank E10?

CrediaBank STU:BCA0 -6.11% 29 E10 is €-7,700.77 as of Mar. 2026. GuruFocus rates STU:BCA0 with a GF Score™ of 29/100. 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.

CrediaBank's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.005. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €-7,700.77 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was 87.50% per year. During the past 5 years, the average E10 Growth Rate was 77.60% 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 CrediaBank was 87.50% per year. The lowest was 2.60% per year. And the median was 56.75% per year.

As of today (2026-07-01), CrediaBank's current stock price is €1.076. CrediaBank's E10 for the quarter that ended in Mar. 2026 was €-7,700.77. CrediaBank's Shiller PE Ratio of today is .


CrediaBank  (STU:BCA0) 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.


Be Aware

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


CrediaBank E10 Related Terms


CrediaBank E10 Historical Data

* Premium members only.

The historical data trend for CrediaBank'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.

CrediaBank E10 Chart

CrediaBank 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 -11,085,954.41 -2,909,502.12 -431,118.07 -363,519.71 -7,781.07

CrediaBank 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 0.00 23,360.67 -10,332.94 -7,781.07 -7,700.77

STU:BCA0 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, CrediaBank'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.


CrediaBank Shiller PE Ratio vs Banks Industry

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

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


STU:BCA0
29GF Score
CrediaBank SA STU:BCA0
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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CrediaBank 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, CrediaBank'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)
=0.005/122.4494*122.4494
=0.005

Current CPI (Mar. 2026) = 122.4494.

CrediaBank Quarterly Data

per share eps CPI Adj_EPS
201606 -4,306.496 100.121 -5,266.921
201609 -2,992.650 99.878 -3,668.951
201612 -11,605.641 100.110 -14,195.494
201703 -948.889 100.770 -1,153.033
201706 -3,284.622 101.138 -3,976.745
201709 6,569.244 100.882 7,973.704
201712 -2,189.748 100.762 -2,661.045
201803 -1,825.356 100.534 -2,223.261
201806 -1,601.388 102.121 -1,920.171
201809 -283.113 101.982 -339.934
201812 1,400.121 101.330 1,691.939
201903 72.065 101.482 86.954
201906 -15.443 101.837 -18.569
201909 41.180 101.906 49.482
201912 458.128 102.120 549.328
202003 -1,400.121 101.479 -1,689.461
202006 -1,899.429 100.239 -2,320.299
202009 -684.618 99.886 -839.269
202012 -30,213.137 99.751 -37,088.192
202103 -653.735 99.817 -801.960
202106 -1,523.689 101.270 -1,842.357
202109 -844.212 102.095 -1,012.519
202112 -789.223 104.853 -921.669
202203 -85.271 108.651 -96.100
202206 -213.962 113.517 -230.798
202209 -119.364 114.371 -127.795
202212 -3,799.373 112.428 -4,138.046
202303 8.651 113.620 9.323
202306 2.249 115.515 2.384
202309 31.793 116.234 33.493
202312 102.969 116.364 108.354
202403 0.001 117.285 0.001
202406 0.005 118.129 0.005
202409 -0.192 119.650 -0.196
202412 0.010 119.360 0.010
202503 0.000 120.133 0.000
202506 0.003 121.399 0.003
202509 0.003 121.946 0.003
202512 0.003 122.449 0.003
202603 0.005 122.449 0.005

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 €-7,700.77 mean?
CrediaBank (STU:BCA0) has a E10 of €-7,700.77 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on CrediaBank and its competitors.
Is CrediaBank's E10 too high?
CrediaBank's current E10 is €-7,700.77. Overall, CrediaBank has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does CrediaBank's E10 compare to PNC and USB?
CrediaBank's E10 of €-7,700.77 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 CrediaBank and its competitors. CrediaBank's current E10 is €-7,700.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CrediaBank stock overvalued right now?
CrediaBank (STU:BCA0) has a current E10 of €-7,700.77. The current E10 is €-7,700.77. CrediaBank's overall GF Score™ is 29/100 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 CrediaBank (STU:BCA0), the current E10 is €-7,700.77 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.

CrediaBank Business Description

Address 260-262 Kifissias Avenue, Chalandri, GRC, 15231
CrediaBank SA is engaged in providing banking and financial services to individuals and businesses in Greece. The Bank offers a range of financial products, including loans, deposits, treasury services, investment products, and related banking services. The Bank operates through four main segments: Retail Banking, which provides financing and deposit services to individuals, freelancers, and small businesses; Corporate Banking, which offers financing solutions to medium and large enterprises including factoring and leasing services; Capital Management and Treasury, which manages the group's cash reserves, securities, and intermediary services in mutual funds and investment products; and Structured Financing, which includes structured financing and shipping banking activities.
29GF Score

Get the complete analysis for STU:BCA0

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

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