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Cim Financial Services (XMAU:CIM.N0000) E10 : MUR1.45 (As of Dec. 2024)


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What is Cim Financial Services E10?

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.

Cim Financial Services's adjusted earnings per share data for the three months ended in Dec. 2024 was MUR0.380. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MUR1.45 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Cim Financial Services's average E10 Growth Rate was 6.60% 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.

As of today (2025-04-23), Cim Financial Services's current stock price is MUR15.25. Cim Financial Services's E10 for the quarter that ended in Dec. 2024 was MUR1.45. Cim Financial Services's Shiller PE Ratio of today is 10.52.

During the past 13 years, the highest Shiller PE Ratio of Cim Financial Services was 11.72. The lowest was 7.27. And the median was 8.04.


Cim Financial Services E10 Historical Data

The historical data trend for Cim Financial Services'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.

* Premium members only.

Cim Financial Services E10 Chart

Cim Financial Services Annual Data
Trend Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 1.26 1.35 1.43

Cim Financial Services Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 1.36 1.40 1.43 1.43 1.45

Competitive Comparison of Cim Financial Services's E10

For the Credit Services subindustry, Cim Financial Services'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.


Cim Financial Services's Shiller PE Ratio Distribution in the Credit Services Industry

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

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


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Cim Financial Services 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, Cim Financial Services's adjusted earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=0.38/133.1571*133.1571
=0.380

Current CPI (Dec. 2024) = 133.1571.

Cim Financial Services Quarterly Data

per share eps CPI Adj_EPS
201503 0.260 99.621 0.348
201506 0.230 100.684 0.304
201509 0.160 100.392 0.212
201512 0.200 99.792 0.267
201603 0.230 100.470 0.305
201606 0.240 101.688 0.314
201609 0.236 101.861 0.309
201612 0.210 101.863 0.275
201703 0.210 102.862 0.272
201706 3.820 103.349 4.922
201709 0.095 104.136 0.121
201712 0.110 104.011 0.141
201803 0.100 105.290 0.126
201806 0.280 106.317 0.351
201809 0.030 106.507 0.038
201812 0.100 105.998 0.126
201903 0.180 107.251 0.223
201906 0.130 108.070 0.160
201909 0.148 108.329 0.182
201912 0.130 108.420 0.160
202003 0.060 108.902 0.073
202006 0.010 108.767 0.012
202009 0.080 109.815 0.097
202012 0.120 109.897 0.145
202103 0.140 111.754 0.167
202106 0.140 114.631 0.163
202109 0.180 115.734 0.207
202112 0.170 117.630 0.192
202203 0.200 121.301 0.220
202206 0.270 125.017 0.288
202209 0.240 125.227 0.255
202212 0.290 125.222 0.308
202303 0.320 127.348 0.335
202306 0.430 128.729 0.445
202309 0.370 129.860 0.379
202312 0.340 129.419 0.350
202403 0.360 131.776 0.364
202406 0.420 132.554 0.422
202409 0.500 133.029 0.500
202412 0.380 133.157 0.380

Add all the adjusted EPS together and divide 10 will get our e10.


Cim Financial Services  (XMAU:CIM.N0000) 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.

Cim Financial Services's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=15.25/1.45
=10.52

* 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 Cim Financial Services was 11.72. The lowest was 7.27. And the median was 8.04.


Be Aware

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


Cim Financial Services E10 Related Terms

Thank you for viewing the detailed overview of Cim Financial Services's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Cim Financial Services Business Description

Traded in Other Exchanges
N/A
Address
Cnr Edith Cavell & Mere Barthelemy Streets, P.O. Box 297, Cim House, Port Louis, MUS, 11302
Cim Financial Services Ltd offers financial services in Mauritius. It offers services such as Consumer Finance, Cards & Payments, Leasing and Factoring among others. The company's operating segment includes Finance and Investments. It generates maximum revenue from the Finance segment which includes activities such as consumer credit, leasing, card acquiring and issuing, factoring, and foreign exchange dealing. Operates in Mauritius and Kenya and gained revenue from Mauritius.

Cim Financial Services Headlines

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