Bank Ofga (TSE:8395) E10: 円313.09 (As of Mar. 2026)


TSE:8395 Bank Of Saga Ltd TSE:8395
52 GF Score
Price 円5,220.00
GF Value 円2,959.26
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Bank Ofga E10?

Bank Ofga TSE:8395 +0.38% 52 E10 is 円313.09 as of Mar. 2026. GuruFocus rates TSE:8395 with a GF Score™ of 52/100 and a GF Value™ of 円2,959.26 (Significantly Overvalued). 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.

Bank Ofga's adjusted earnings per share data for the three months ended in Mar. 2026 was 円82.800. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is 円313.09 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank Ofga's average E10 Growth Rate was 11.60% per year. During the past 3 years, the average E10 Growth Rate was 9.40% per year. During the past 5 years, the average E10 Growth Rate was 8.90% 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 Bank Ofga was 9.40% per year. The lowest was -1.40% per year. And the median was 5.85% per year.

As of today (2026-06-27), Bank Ofga's current stock price is 円5220.00. Bank Ofga's E10 for the quarter that ended in Mar. 2026 was 円313.09. Bank Ofga's Shiller PE Ratio of today is 16.67.

During the past 13 years, the highest Shiller PE Ratio of Bank Ofga was 17.66. The lowest was 4.19. And the median was 7.75.


Bank Ofga  (TSE:8395) 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 Ofga's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=5220.00/313.09
=16.67

* 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 Ofga was 17.66. The lowest was 4.19. And the median was 7.75.


Be Aware

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


Bank Ofga E10 Related Terms


Bank Ofga E10 Historical Data

* Premium members only.

The historical data trend for Bank Ofga'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 Ofga E10 Chart

Bank Ofga 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 214.18 239.37 249.14 280.55 313.09

Bank Ofga 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 280.55 267.86 291.06 306.31 313.09

Bank Ofga E10 Competitor Comparison

For the Banks - Regional subindustry, Bank Ofga'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 Ofga Shiller PE Ratio vs Banks Industry

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

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


TSE:8395
52GF Score
Bank Of Saga Ltd TSE:8395
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Ofga 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 Ofga'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)
=82.8/112.7000*112.7000
=82.800

Current CPI (Mar. 2026) = 112.7000.

Bank Ofga Quarterly Data

per share eps CPI Adj_EPS
201606 33.000 98.100 37.911
201609 78.350 98.000 90.103
201612 87.150 98.400 99.815
201703 -25.930 98.100 -29.789
201706 93.710 98.500 107.219
201709 33.900 98.800 38.669
201712 185.040 99.400 209.799
201803 83.270 99.200 94.602
201806 66.140 99.200 75.141
201809 29.570 99.900 33.359
201812 41.260 99.700 46.640
201903 19.740 99.700 22.314
201906 54.050 99.800 61.036
201909 9.870 100.100 11.112
201912 74.610 100.500 83.667
202003 6.360 100.300 7.146
202006 79.210 99.900 89.359
202009 -0.440 99.900 -0.496
202012 60.310 99.300 68.449
202103 6.870 99.900 7.750
202106 124.140 99.500 140.609
202109 -2.030 100.100 -2.286
202112 96.640 100.100 108.804
202203 22.180 101.100 24.725
202206 165.870 101.800 183.630
202209 112.390 103.100 122.855
202212 83.730 104.100 90.647
202303 -38.280 104.400 -41.323
202306 102.340 105.200 109.636
202309 118.480 106.200 125.732
202312 51.850 106.800 54.714
202403 93.830 107.200 98.644
202406 146.210 108.200 152.291
202409 107.750 108.900 111.510
202412 109.000 110.700 110.969
202503 78.310 111.100 79.438
202506 73.090 111.700 73.744
202509 222.310 112.000 223.699
202512 126.630 113.000 126.294
202603 82.800 112.700 82.800

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313.09 mean?
Bank Ofga (TSE:8395) has a E10 of 円313.09 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank Ofga and its competitors.
Is Bank Ofga's E10 too high?
Bank Ofga's current E10 is 円313.09. Overall, Bank Ofga has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's E10 compare to competitors?
Bank Ofga's E10 of 円313.09 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 Ofga and its competitors. Bank Ofga's current E10 is 円313.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Based on GuruFocus' analysis, Bank Ofga (TSE:8395) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,959.26, compared to a current price of 円5,220.00 — trading 76.4% above its estimated fair value. The current E10 is 円313.09. Bank Ofga's overall GF Score™ is 52/100 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 Bank Ofga (TSE:8395), the current E10 is 円313.09 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 Ofga (TSE:8395) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued. The current stock price of 円5,220.00 is trading 76.4% above its estimated GF Value™ of 円2,959.26. GuruFocus considers Bank Ofga to be Significantly Overvalued.

Key valuation signals for TSE:8395:

  • E10: 円313.09
  • GF Value™: 円2,959.26 vs. price of 円5,220.00 (76.4% above fair value)
  • GF Score™: 52/100 with 4 warning signs

No single metric tells the full story. See the TSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Ofga Business Description

Other Exchanges 8395:Japan
Address 7-20 Tojin 2-Chome, Saga, JPN, 840-0813
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
52GF Score

Get the complete analysis for TSE:8395

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

円5,220.00
Price
円2,959.26
GF Value