Public Bank Bhd (XKLS:1295) E10: RM0.37 (As of Mar. 2026)


XKLS:1295 Public Bank Bhd XKLS:1295
75 GF Score
Price RM4.83
GF Value RM4.74
Valuation Fairly Valued
! 2 Warning Signs
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What is Public Bank Bhd E10?

Public Bank Bhd XKLS:1295 +0.42% 75 E10 is RM0.37 as of Mar. 2026. GuruFocus rates XKLS:1295 with a GF Score™ of 75/100 and a GF Value™ of RM4.74 (Fairly Valued). 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.

Public Bank Bhd's adjusted earnings per share data for the three months ended in Mar. 2026 was RM0.091. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is RM0.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Public Bank Bhd's average E10 Growth Rate was 5.70% per year. During the past 3 years, the average E10 Growth Rate was 4.00% per year. During the past 5 years, the average E10 Growth Rate was 6.00% 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 Public Bank Bhd was 6.90% per year. The lowest was 4.00% per year. And the median was 6.15% per year.

As of today (2026-06-28), Public Bank Bhd's current stock price is RM4.83. Public Bank Bhd's E10 for the quarter that ended in Mar. 2026 was RM0.37. Public Bank Bhd's Shiller PE Ratio of today is 13.05.

During the past 13 years, the highest Shiller PE Ratio of Public Bank Bhd was 16.22. The lowest was 10.40. And the median was 13.06.


Public Bank Bhd  (XKLS:1295) 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.

Public Bank Bhd's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.83/0.37
=13.05

* 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 Public Bank Bhd was 16.22. The lowest was 10.40. And the median was 13.06.


Be Aware

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


Public Bank Bhd E10 Related Terms


Public Bank Bhd E10 Historical Data

* Premium members only.

The historical data trend for Public Bank Bhd'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.

Public Bank Bhd E10 Chart

Public Bank Bhd 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 0.29 0.32 0.33 0.35 0.36

Public Bank Bhd 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 0.35 0.36 0.36 0.36 0.37

Public Bank Bhd E10 Competitor Comparison

For the Banks - Regional subindustry, Public Bank Bhd'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.


Public Bank Bhd Shiller PE Ratio vs Banks Industry

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

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


XKLS:1295
75GF Score
Public Bank Bhd XKLS:1295
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Public Bank Bhd 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, Public Bank Bhd'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)
=0.091/330.2130*330.2130
=0.091

Current CPI (Mar. 2026) = 330.2130.

Public Bank Bhd Quarterly Data

per share eps CPI Adj_EPS
201606 0.065 241.018 0.089
201609 0.064 241.428 0.088
201612 0.077 241.432 0.105
201703 0.065 243.801 0.088
201706 0.069 244.955 0.093
201709 0.073 246.819 0.098
201712 0.077 246.524 0.103
201803 0.073 249.554 0.097
201806 0.072 251.989 0.094
201809 0.071 252.439 0.093
201812 0.072 251.233 0.095
201903 0.073 254.202 0.095
201906 0.069 256.143 0.089
201909 0.070 256.759 0.090
201912 0.072 256.974 0.093
202003 0.069 258.115 0.088
202006 0.052 257.797 0.067
202009 0.072 260.280 0.091
202012 0.059 260.474 0.075
202103 0.079 264.877 0.098
202106 0.071 271.696 0.086
202109 0.070 274.310 0.084
202112 0.071 278.802 0.084
202203 0.072 287.504 0.083
202206 0.073 296.311 0.081
202209 0.082 296.808 0.091
202212 0.088 296.797 0.098
202303 0.088 301.836 0.096
202306 0.083 305.109 0.090
202309 0.088 307.789 0.094
202312 0.083 306.746 0.089
202403 0.085 312.332 0.090
202406 0.092 314.175 0.097
202409 0.099 315.301 0.104
202412 0.093 315.605 0.097
202503 0.090 319.799 0.093
202506 0.091 322.561 0.093
202509 0.095 324.800 0.097
202512 0.097 324.054 0.099
202603 0.091 330.213 0.091

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 RM0.37 mean?
Public Bank Bhd (XKLS:1295) has a E10 of RM0.37 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Public Bank Bhd and its competitors.
Is Public Bank Bhd's E10 too high?
Public Bank Bhd's current E10 is RM0.37. Overall, Public Bank Bhd has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's E10 compare to competitors?
Public Bank Bhd's E10 of RM0.37 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 Public Bank Bhd and its competitors. Public Bank Bhd's current E10 is RM0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Fairly Valued. The stock's GF Value™ is RM4.74, compared to a current price of RM4.83 — trading 1.9% above its estimated fair value. The current E10 is RM0.37. Public Bank Bhd's overall GF Score™ is 75/100 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 Public Bank Bhd (XKLS:1295), the current E10 is RM0.37 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 Public Bank Bhd (XKLS:1295) Overvalued in 2026?

Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued. The current stock price of RM4.83 is trading 1.9% above its estimated GF Value™ of RM4.74. GuruFocus considers Public Bank Bhd to be Fairly Valued.

Key valuation signals for XKLS:1295:

  • E10: RM0.37
  • GF Value™: RM4.74 vs. price of RM4.83 (1.9% above fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Public Bank Bhd Business Description

Address 146, Jalan Ampang, 27th Floor, Menara Public Bank, Kuala Lumpur, SGR, MYS, 50450
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
75GF Score

Get the complete analysis for XKLS:1295

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

RM4.83
Price
RM4.74
GF Value