Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MEX:FINDEP's Shiller PE Ratio is ranked better than 88.62% of 334
companies
in the Credit Services industry
Industry Median: 14.19
vs MEX:FINDEP: 4.95
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Financiera IndependenciaB de CV Sofom E N R's adjusted earnings per share data for the three months ended in Jun. 2026 was MXN0.425. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is MXN1.35 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio Related Terms
Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio Historical Data
* 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.
Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio Chart
Financiera IndependenciaB de CV Sofom E N R Annual Data
MEX:FINDEP vs V, MA, AXP: Shiller PE Ratio Comparison
For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R'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.
Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio vs Credit Services Industry
Financiera IndependenciaB de CV Sofom E N R Shiller PE Ratio Calculation
For Shiller PE Ratio, 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 PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our 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.
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a Shiller PE Ratio of 4.95 as of Aug. 27, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors. This is 44% below median its historical median of 8.88. Over the past decade, Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio has ranged from 3.78 to 15.00. According to the industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #38 out of 334 companies in the Credit Services industry, placing it in the top 11.4%.
Is Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio too high?
Financiera IndependenciaB de CV Sofom E N R's current Shiller PE Ratio of 4.95 is 44% below median its 10-year median of 8.88. Over the past 10 years, this metric has ranged from a low of 3.78 to a high of 15.00. The Credit Services industry median Shiller PE Ratio is 14.19. Financiera IndependenciaB de CV Sofom E N R's value of 4.95 is 65.1% below this industry median. Based on the distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #38 out of 334 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's Shiller PE Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #38 out of 334 companies for Shiller PE Ratio. This places Financiera IndependenciaB de CV Sofom E N R in the top 11% of its industry — outperforming the majority of peers. The industry median Shiller PE Ratio is 14.19. Financiera IndependenciaB de CV Sofom E N R's value of 4.95 is 65.1% below this benchmark. Historically, Financiera IndependenciaB de CV Sofom E N R's own Shiller PE Ratio has ranged from 3.78 to 15.00 over the past decade. While the company's 10-year median is 8.88 vs. the industry median of 14.19, Financiera IndependenciaB de CV Sofom E N R has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.19, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financiera IndependenciaB de CV Sofom E N R's current Shiller PE Ratio of 4.95 is 65.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financiera IndependenciaB de CV Sofom E N R's current Shiller PE Ratio is 4.95, which is 44% below median its own 10-year median of 8.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN7.91, compared to a current price of MXN6.68 — trading 15.5% below its estimated fair value. The current Shiller PE Ratio is 4.95, which is 44% below median its 10-year median of 8.88 and 65.1% below the Credit Services industry median of 14.19. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current Shiller PE Ratio is 4.95 as of Aug. 27, 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued.
The current stock price of MXN6.68 is trading 15.5% below its estimated GF Value™ of MXN7.91.
GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.
Key valuation signals for MEX:FINDEP:
Shiller PE Ratio: 4.95 (44% below median its 10-year median of 8.88)
GF Value™: MXN7.91 vs. price of MXN6.68 (15.5% below fair value)
Industry Position: 65.1% below the Credit Services median (#38 of 334)
No single metric tells the full story. See the MEX:FINDEP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
56GF Score
Get the complete analysis for MEX:FINDEP
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:FINDEP has been successfully added to your 
