Kyoto Financial Group (TSE:5844) E10: 円115.85 (As of Mar. 2026)

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TSE:5844 Kyoto Financial Group Inc TSE:5844
60 GF Score
Price 円4,700.00
GF Value 円5,864.47
Valuation Modestly Undervalued
! 6 Warning Signs
View Full Analysis

What is Kyoto Financial Group E10?

Kyoto Financial Group TSE:5844 +0.86% 60 E10 is 円115.85 as of Mar. 2026. GuruFocus rates TSE:5844 with a GF Score™ of 60/100 and a GF Value™ of 円5,864.47 (Modestly Undervalued). The stock has 6 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.

Kyoto Financial Group's adjusted earnings per share data for the three months ended in Mar. 2026 was 円201.800. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is 円115.85 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Kyoto Financial Group's average E10 Growth Rate was 30.60% per year. During the past 3 years, the average E10 Growth Rate was 16.00% per year. During the past 5 years, the average E10 Growth Rate was 10.90% 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 Kyoto Financial Group was 16.00% per year. The lowest was 1.60% per year. And the median was 5.85% per year.

As of today (2026-07-14), Kyoto Financial Group's current stock price is 円4700.00. Kyoto Financial Group's E10 for the quarter that ended in Mar. 2026 was 円115.85. Kyoto Financial Group's Shiller PE Ratio of today is 40.57.

During the past 13 years, the highest Shiller PE Ratio of Kyoto Financial Group was 46.31. The lowest was 10.66. And the median was 22.35.


Kyoto Financial Group  (TSE:5844) 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.

Kyoto Financial Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4700.00/115.85
=40.57

* 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 Kyoto Financial Group was 46.31. The lowest was 10.66. And the median was 22.35.


Be Aware

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


Kyoto Financial Group E10 Related Terms


Kyoto Financial Group E10 Historical Data

* Premium members only.

The historical data trend for Kyoto Financial Group'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.

Kyoto Financial Group E10 Chart

Kyoto Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 69.02 74.23 81.01 88.70 115.85

Kyoto Financial Group 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 88.70 89.69 93.65 96.68 115.85

Kyoto Financial Group E10 Competitor Comparison

For the Banks - Regional subindustry, Kyoto Financial Group'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.


Kyoto Financial Group Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Kyoto Financial Group's Shiller PE Ratio falls into.


TSE:5844
60GF Score
Kyoto Financial Group Inc TSE:5844
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kyoto Financial Group 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, Kyoto Financial Group'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)
=201.8/112.7000*112.7000
=201.800

Current CPI (Mar. 2026) = 112.7000.

Kyoto Financial Group Quarterly Data

per share eps CPI Adj_EPS
201606 23.950 98.100 27.514
201609 11.048 98.000 12.705
201612 14.435 98.400 16.533
201703 11.955 98.100 13.734
201706 29.245 98.500 33.461
201709 8.103 98.800 9.243
201712 24.723 99.400 28.031
201803 1.793 99.200 2.037
201806 28.873 99.200 32.802
201809 10.863 99.900 12.255
201812 22.360 99.700 25.276
201903 42.600 99.700 48.155
201906 32.333 99.800 36.512
201909 10.218 100.100 11.504
201912 23.263 100.500 26.087
202003 1.540 100.300 1.730
202006 29.193 99.900 32.933
202009 6.915 99.900 7.801
202012 27.380 99.300 31.075
202103 -7.808 99.900 -8.808
202106 45.915 99.500 52.006
202109 -0.470 100.100 -0.529
202112 33.340 100.100 37.537
202203 -10.668 101.100 -11.892
202206 46.153 101.800 51.095
202209 6.865 103.100 7.504
202212 32.980 104.100 35.705
202303 4.628 104.400 4.996
202306 50.050 105.200 53.618
202309 14.520 106.200 15.409
202312 41.570 106.800 43.866
202403 0.330 107.200 0.347
202406 57.940 108.200 60.350
202409 14.730 108.900 15.244
202412 38.230 110.700 38.921
202503 14.130 111.100 14.333
202506 45.120 111.700 45.524
202509 48.560 112.000 48.864
202512 43.320 113.000 43.205
202603 201.800 112.700 201.800

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 円115.85 mean?
Kyoto Financial Group (TSE:5844) has a E10 of 円115.85 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Kyoto Financial Group and its competitors.
Is Kyoto Financial Group's E10 too high?
Kyoto Financial Group's current E10 is 円115.85. Overall, Kyoto Financial Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's E10 compare to competitors?
Kyoto Financial Group's E10 of 円115.85 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 Kyoto Financial Group and its competitors. Kyoto Financial Group's current E10 is 円115.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kyoto Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Kyoto Financial Group (TSE:5844) is currently considered Modestly Undervalued. The stock's GF Value™ is 円5,864.47, compared to a current price of 円4,700.00 — trading 19.9% below its estimated fair value. The current E10 is 円115.85. Kyoto Financial Group's overall GF Score™ is 60/100 with 6 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 Kyoto Financial Group (TSE:5844), the current E10 is 円115.85 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 Kyoto Financial Group (TSE:5844) Overvalued in 2026?

Based on GuruFocus' analysis, Kyoto Financial Group stock appears to be undervalued. The current stock price of 円4,700.00 is trading 19.9% below its estimated GF Value™ of 円5,864.47. GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.

Key valuation signals for TSE:5844:

  • E10: 円115.85
  • GF Value™: 円5,864.47 vs. price of 円4,700.00 (19.9% below fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the TSE:5844 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kyoto Financial Group Business Description

Address 700 Yakushimaecho, Karasuma-dori Matsubaraagaru, Shimogyo-ku, Kyoto, JPN, 600-8652
Kyoto Financial Group Inc operates through its subsidiary Bank of Kyoto, which provides regional banking and other financial solutions. Its portfolio of offerings comprises savings accounts, investment trusts, deposits, mutual funds, credit and debit cards, and government bonds.
60GF Score

Get the complete analysis for TSE:5844

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

円4,700.00
Price
円5,864.47
GF Value