Affin Bank Bhd (XKLS:5185) E10: RM0.28 (As of Mar. 2026)


XKLS:5185 Affin Bank Bhd XKLS:5185
67 GF Score
Price RM2.23
GF Value RM2.87
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Affin Bank Bhd E10?

Affin Bank Bhd XKLS:5185 67 E10 is RM0.28 as of Mar. 2026. GuruFocus rates XKLS:5185 with a GF Score™ of 67/100 and a GF Value™ of RM2.87 (Modestly Undervalued). 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.

Affin Bank Bhd's adjusted earnings per share data for the three months ended in Mar. 2026 was RM0.053. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is RM0.28 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was -3.30% per year. During the past 5 years, the average E10 Growth Rate was -0.80% 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 Affin Bank Bhd was 1.20% per year. The lowest was -3.30% per year. And the median was -2.40% per year.

As of today (2026-06-28), Affin Bank Bhd's current stock price is RM2.23. Affin Bank Bhd's E10 for the quarter that ended in Mar. 2026 was RM0.28. Affin Bank Bhd's Shiller PE Ratio of today is 7.96.

During the past 13 years, the highest Shiller PE Ratio of Affin Bank Bhd was 11.10. The lowest was 4.57. And the median was 6.49.


Affin Bank Bhd  (XKLS:5185) 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.

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

Shiller PE Ratio=Share Price/E10
=2.23/0.28
=7.96

* 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 Affin Bank Bhd was 11.10. The lowest was 4.57. And the median was 6.49.


Be Aware

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


Affin Bank Bhd E10 Related Terms


Affin Bank Bhd E10 Historical Data

* Premium members only.

The historical data trend for Affin 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.

Affin Bank Bhd E10 Chart

Affin 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 0.31 0.29 0.27 0.28

Affin 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 0.28 0.28 0.28 0.28 0.28

XKLS:5185 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Affin 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.


Affin Bank Bhd Shiller PE Ratio vs Banks Industry

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

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


XKLS:5185
67GF Score
Affin Bank Bhd XKLS:5185
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Affin 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, Affin 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)
=0.053/330.2130*330.2130
=0.053

Current CPI (Mar. 2026) = 330.2130.

Affin Bank Bhd Quarterly Data

per share eps CPI Adj_EPS
201606 0.067 241.018 0.092
201609 0.068 241.428 0.093
201612 0.035 241.432 0.048
201703 0.050 243.801 0.068
201706 0.066 244.955 0.089
201709 0.022 246.819 0.029
201712 0.083 246.524 0.111
201803 0.069 249.554 0.091
201806 0.036 251.989 0.047
201809 0.070 252.439 0.092
201812 0.070 251.233 0.092
201903 0.066 254.202 0.086
201906 0.074 256.143 0.095
201909 0.035 256.759 0.045
201912 0.051 256.974 0.066
202003 0.057 258.115 0.073
202006 0.031 257.797 0.040
202009 0.023 260.280 0.029
202012 -0.004 260.474 -0.005
202103 0.031 264.877 0.039
202106 0.053 271.696 0.064
202109 0.060 274.310 0.072
202112 0.092 278.802 0.109
202203 0.064 287.504 0.074
202206 0.066 296.311 0.074
202209 0.384 296.808 0.427
202212 0.004 296.797 0.004
202303 0.062 301.836 0.068
202306 0.047 305.109 0.051
202309 0.041 307.789 0.044
202312 0.016 306.746 0.017
202403 0.044 312.332 0.047
202406 0.047 314.175 0.049
202409 0.057 315.301 0.060
202412 0.053 315.605 0.055
202503 0.048 319.799 0.050
202506 0.056 322.561 0.057
202509 0.057 324.800 0.058
202512 0.050 324.054 0.051
202603 0.053 330.213 0.053

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 RM0.28 mean?
Affin Bank Bhd (XKLS:5185) has a E10 of RM0.28 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Affin Bank Bhd and its competitors.
Is Affin Bank Bhd's E10 too high?
Affin Bank Bhd's current E10 is RM0.28. Overall, Affin Bank Bhd has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's E10 compare to PNC and USB?
Affin Bank Bhd's E10 of RM0.28 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 Affin Bank Bhd and its competitors. Affin Bank Bhd's current E10 is RM0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affin Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Affin Bank Bhd (XKLS:5185) is currently considered Modestly Undervalued. The stock's GF Value™ is RM2.87, compared to a current price of RM2.23 — trading 22.3% below its estimated fair value. The current E10 is RM0.28. Affin Bank Bhd's overall GF Score™ is 67/100 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 Affin Bank Bhd (XKLS:5185), the current E10 is RM0.28 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 Affin Bank Bhd (XKLS:5185) Overvalued in 2026?

Based on GuruFocus' analysis, Affin Bank Bhd stock appears to be undervalued. The current stock price of RM2.23 is trading 22.3% below its estimated GF Value™ of RM2.87. GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5185:

  • E10: RM0.28
  • GF Value™: RM2.87 vs. price of RM2.23 (22.3% below fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the XKLS:5185 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Affin Bank Bhd Business Description

Address Lingkaran TRX, Level 19, Menara AFFIN, Tun Razak Exchange, Kuala Lumpur, SGR, MYS, 55188
Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.
67GF Score

Get the complete analysis for XKLS:5185

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

RM2.23
Price
RM2.87
GF Value