CB Bulgarian American Credit Bank AD (XBUL:BACB) E10: €0.62 (As of Mar. 2026)


XBUL:BACB CB Bulgarian American Credit Bank AD XBUL:BACB
65 GF Score
Price €6.45
GF Value €10.12
Valuation Significantly Undervalued
! 2 Warning Signs
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What is CB Bulgarian American Credit Bank AD E10?

CB Bulgarian American Credit Bank AD XBUL:BACB 65 E10 is €0.62 as of Mar. 2026. GuruFocus rates XBUL:BACB with a GF Score™ of 65/100 and a GF Value™ of €10.12 (Significantly Undervalued). 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.

CB Bulgarian American Credit Bank AD's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.276. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.62 for the trailing ten years ended in Mar. 2026.

During the past 12 months, CB Bulgarian American Credit Bank AD's average E10 Growth Rate was 14.80% per year. During the past 3 years, the average E10 Growth Rate was 41.10% 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 CB Bulgarian American Credit Bank AD was 115.40% per year. The lowest was 41.10% per year. And the median was 78.25% per year.

As of today (2026-07-03), CB Bulgarian American Credit Bank AD's current stock price is €6.45. CB Bulgarian American Credit Bank AD's E10 for the quarter that ended in Mar. 2026 was €0.62. CB Bulgarian American Credit Bank AD's Shiller PE Ratio of today is 10.40.

During the past 13 years, the highest Shiller PE Ratio of CB Bulgarian American Credit Bank AD was 327.50. The lowest was 9.03. And the median was 23.20.


CB Bulgarian American Credit Bank AD  (XBUL:BACB) 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.

CB Bulgarian American Credit Bank AD's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=6.45/0.62
=10.40

* 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 CB Bulgarian American Credit Bank AD was 327.50. The lowest was 9.03. And the median was 23.20.


Be Aware

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


CB Bulgarian American Credit Bank AD E10 Related Terms


CB Bulgarian American Credit Bank AD E10 Historical Data

* Premium members only.

The historical data trend for CB Bulgarian American Credit Bank AD'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.

CB Bulgarian American Credit Bank AD E10 Chart

CB Bulgarian American Credit Bank AD 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 0.05 0.21 0.38 0.50 0.59

CB Bulgarian American Credit Bank AD 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 0.54 0.57 0.60 0.59 0.62

XBUL:BACB vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, CB Bulgarian American Credit Bank AD'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.


CB Bulgarian American Credit Bank AD Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, CB Bulgarian American Credit Bank AD's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where CB Bulgarian American Credit Bank AD's Shiller PE Ratio falls into.


XBUL:BACB
65GF Score
CB Bulgarian American Credit Bank AD XBUL:BACB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CB Bulgarian American Credit Bank AD 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, CB Bulgarian American Credit Bank AD'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)
=0.276/330.2130*330.2130
=0.276

Current CPI (Mar. 2026) = 330.2130.

CB Bulgarian American Credit Bank AD Quarterly Data

per share eps CPI Adj_EPS
201606 0.073 241.018 0.100
201609 0.028 241.428 0.038
201612 0.013 241.432 0.018
201703 0.057 243.801 0.077
201706 0.038 244.955 0.051
201709 0.154 246.819 0.206
201712 -0.086 246.524 -0.115
201803 0.070 249.554 0.093
201806 0.067 251.989 0.088
201809 0.076 252.439 0.099
201812 0.046 251.233 0.060
201903 0.079 254.202 0.103
201906 0.056 256.143 0.072
201909 0.088 256.759 0.113
201912 0.087 256.974 0.112
202003 0.079 258.115 0.101
202006 0.058 257.797 0.074
202009 0.061 260.280 0.077
202012 0.086 260.474 0.109
202103 0.081 264.877 0.101
202106 0.271 271.696 0.329
202109 -0.103 274.310 -0.124
202112 0.126 278.802 0.149
202203 0.116 287.504 0.133
202206 0.111 296.311 0.124
202209 0.163 296.808 0.181
202212 0.482 296.797 0.536
202303 0.222 301.836 0.243
202306 0.292 305.109 0.316
202309 0.333 307.789 0.357
202312 0.305 306.746 0.328
202403 0.336 312.332 0.355
202406 0.254 314.175 0.267
202409 0.298 315.301 0.312
202412 0.124 315.605 0.130
202503 0.258 319.799 0.266
202506 0.260 322.561 0.266
202509 0.193 324.800 0.196
202512 0.028 324.054 0.029
202603 0.276 330.213 0.276

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 €0.62 mean?
CB Bulgarian American Credit Bank AD (XBUL:BACB) has a E10 of €0.62 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on CB Bulgarian American Credit Bank AD and its competitors.
Is CB Bulgarian American Credit Bank AD's E10 too high?
CB Bulgarian American Credit Bank AD's current E10 is €0.62. Overall, CB Bulgarian American Credit Bank AD has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Bulgarian American Credit Bank AD's E10 compare to PNC and USB?
CB Bulgarian American Credit Bank AD's E10 of €0.62 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 CB Bulgarian American Credit Bank AD and its competitors. CB Bulgarian American Credit Bank AD's current E10 is €0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Bulgarian American Credit Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD (XBUL:BACB) is currently considered Significantly Undervalued. The stock's GF Value™ is €10.12, compared to a current price of €6.45 — trading 36.3% below its estimated fair value. The current E10 is €0.62. CB Bulgarian American Credit Bank AD's overall GF Score™ is 65/100 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 CB Bulgarian American Credit Bank AD (XBUL:BACB), the current E10 is €0.62 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 CB Bulgarian American Credit Bank AD (XBUL:BACB) Overvalued in 2026?

Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD stock appears to be undervalued. The current stock price of €6.45 is trading 36.3% below its estimated GF Value™ of €10.12. GuruFocus considers CB Bulgarian American Credit Bank AD to be Significantly Undervalued.

Key valuation signals for XBUL:BACB:

  • E10: €0.62
  • GF Value™: €10.12 vs. price of €6.45 (36.3% below fair value)
  • GF Score™: 65/100 with 2 warning signs

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


CB Bulgarian American Credit Bank AD Business Description

Address 2 Slavyanska Street, Sofia, BGR, 1000
CB Bulgarian American Credit Bank AD is engaged in providing secured finance to small and medium-sized businesses in Bulgaria. The company has three segments: Construction, Real estate investments and land development, and Electricity production.
65GF Score

Get the complete analysis for XBUL:BACB

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

€6.45
Price
€10.12
GF Value