Bank Polska Kasa Opieki (STU:BP1) E10: €3.66 (As of Mar. 2026)


STU:BP1 Bank Polska Kasa Opieki SA STU:BP1
79 GF Score
Price €52.68
GF Value €41.70
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Bank Polska Kasa Opieki E10?

Bank Polska Kasa Opieki STU:BP1 +0.11% 79 E10 is €3.66 as of Mar. 2026. GuruFocus rates STU:BP1 with a GF Score™ of 79/100 and a GF Value™ of €41.70 (Modestly Overvalued). The stock has 8 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 Polska Kasa Opieki's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.065. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €3.66 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank Polska Kasa Opieki's average E10 Growth Rate was 8.60% per year. During the past 3 years, the average E10 Growth Rate was 12.70% per year. During the past 5 years, the average E10 Growth Rate was 10.70% 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 Polska Kasa Opieki was 12.70% per year. The lowest was 2.80% per year. And the median was 10.45% per year.

As of today (2026-07-01), Bank Polska Kasa Opieki's current stock price is €52.68. Bank Polska Kasa Opieki's E10 for the quarter that ended in Mar. 2026 was €3.66. Bank Polska Kasa Opieki's Shiller PE Ratio of today is 14.39.

During the past 13 years, the highest Shiller PE Ratio of Bank Polska Kasa Opieki was 15.88. The lowest was 4.24. And the median was 10.19.


Bank Polska Kasa Opieki  (STU:BP1) 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 Polska Kasa Opieki's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=52.68/3.66
=14.39

* 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 Polska Kasa Opieki was 15.88. The lowest was 4.24. And the median was 10.19.


Be Aware

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


Bank Polska Kasa Opieki E10 Related Terms


Bank Polska Kasa Opieki E10 Historical Data

* Premium members only.

The historical data trend for Bank Polska Kasa Opieki'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 Polska Kasa Opieki E10 Chart

Bank Polska Kasa Opieki 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 2.03 2.13 2.90 3.28 3.64

Bank Polska Kasa Opieki 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 3.46 3.43 3.57 3.64 3.66

STU:BP1 vs PNC: E10 Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki'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 Polska Kasa Opieki Shiller PE Ratio vs Banks Industry

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

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


STU:BP1
79GF Score
Bank Polska Kasa Opieki SA STU:BP1
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Polska Kasa Opieki 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 Polska Kasa Opieki'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)
=1.065/158.3232*158.3232
=1.065

Current CPI (Mar. 2026) = 158.3232.

Bank Polska Kasa Opieki Quarterly Data

per share eps CPI Adj_EPS
201606 0.599 99.552 0.953
201609 0.449 99.064 0.718
201612 0.427 100.366 0.674
201703 0.302 101.018 0.473
201706 0.463 101.180 0.724
201709 0.463 101.343 0.723
201712 0.912 102.564 1.408
201803 0.338 102.564 0.522
201806 0.468 103.378 0.717
201809 0.524 103.378 0.803
201812 0.647 103.785 0.987
201903 0.209 104.274 0.317
201906 0.504 105.983 0.753
201909 0.567 105.983 0.847
201912 0.592 107.123 0.875
202003 0.161 109.076 0.234
202006 0.311 109.402 0.450
202009 0.320 109.320 0.463
202012 0.161 109.565 0.233
202103 0.213 112.658 0.299
202106 0.522 113.960 0.725
202109 0.545 115.588 0.746
202112 0.601 119.088 0.799
202203 0.785 125.031 0.994
202206 0.404 131.705 0.486
202209 -0.470 135.531 -0.549
202212 0.766 139.113 0.872
202303 1.250 145.950 1.356
202306 1.523 147.009 1.640
202309 1.518 146.113 1.645
202312 1.419 147.741 1.521
202403 1.312 149.044 1.394
202406 1.228 150.997 1.288
202409 1.580 153.439 1.630
202412 1.394 154.660 1.427
202503 1.457 157.021 1.469
202506 1.385 157.509 1.392
202509 1.648 157.998 1.651
202512 1.577 158.323 1.577
202603 1.065 158.323 1.065

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 €3.66 mean?
Bank Polska Kasa Opieki (STU:BP1) has a E10 of €3.66 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank Polska Kasa Opieki and its competitors.
Is Bank Polska Kasa Opieki's E10 too high?
Bank Polska Kasa Opieki's current E10 is €3.66. Overall, Bank Polska Kasa Opieki has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's E10 compare to PNC?
Bank Polska Kasa Opieki's E10 of €3.66 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 Polska Kasa Opieki and its competitors. Bank Polska Kasa Opieki's current E10 is €3.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki (STU:BP1) is currently considered Modestly Overvalued. The stock's GF Value™ is €41.70, compared to a current price of €52.68 — trading 26.3% above its estimated fair value. The current E10 is €3.66. Bank Polska Kasa Opieki's overall GF Score™ is 79/100 with 8 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 Polska Kasa Opieki (STU:BP1), the current E10 is €3.66 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 Polska Kasa Opieki (STU:BP1) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued. The current stock price of €52.68 is trading 26.3% above its estimated GF Value™ of €41.70. GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.

Key valuation signals for STU:BP1:

  • E10: €3.66
  • GF Value™: €41.70 vs. price of €52.68 (26.3% above fair value)
  • GF Score™: 79/100 with 8 warning signs

No single metric tells the full story. See the STU:BP1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Polska Kasa Opieki Business Description

Address Zubra Street 1, Warsaw, POL, 01-066
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
79GF Score

Get the complete analysis for STU:BP1

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

€52.68
Price
€41.70
GF Value