Nepal Life Insurance Co (XNEP:NLIC) Cyclically Adjusted Book per Share: NPR896.62 (As of Apr. 2026)

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XNEP:NLIC Nepal Life Insurance Co Ltd XNEP:NLIC
89 GF Score
Price NPR758.00
GF Value NPR1,378.40
Valuation Significantly Undervalued
! 5 Warning Signs
View Full Analysis

What is Nepal Life Insurance Co Cyclically Adjusted Book per Share?

Nepal Life Insurance Co XNEP:NLIC -1.43% 89 Cyclically Adjusted Book per Share is NPR896.62 as of Apr. 2026. GuruFocus rates XNEP:NLIC with a GF Score™ of 89/100 and a GF Value™ of NPR1,378.40 (Significantly Undervalued). The stock has 5 warning signs investors should review.

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Nepal Life Insurance Co's adjusted book value per share for the three months ended in Apr. 2026 was NPR126.582. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is NPR896.62 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Nepal Life Insurance Co's average Cyclically Adjusted Book Growth Rate was -4.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 1.10% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Nepal Life Insurance Co was 1.10% per year. The lowest was 1.10% per year. And the median was 1.10% per year.

As of today (2026-07-28), Nepal Life Insurance Co's current stock price is NPR758.00. Nepal Life Insurance Co's Cyclically Adjusted Book per Share for the quarter that ended in Apr. 2026 was NPR896.62. Nepal Life Insurance Co's Cyclically Adjusted PB Ratio of today is 0.85.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Nepal Life Insurance Co was 0.93. The lowest was 0.50. And the median was 0.71.


Nepal Life Insurance Co  (XNEP:NLIC) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Nepal Life Insurance Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=758.00/896.62
=0.85

* 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 Cyclically Adjusted PB Ratio of Nepal Life Insurance Co was 0.93. The lowest was 0.50. And the median was 0.71.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Nepal Life Insurance Co Cyclically Adjusted Book per Share Related Terms


Nepal Life Insurance Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Nepal Life Insurance Co's Cyclically Adjusted Book per Share 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.

Nepal Life Insurance Co Cyclically Adjusted Book per Share Chart

Nepal Life Insurance Co Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 895.48 1,035.05 977.54 924.07

Nepal Life Insurance Co Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Cyclically Adjusted Book per Share 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 935.49 924.07 909.27 893.70 896.62

XNEP:NLIC vs AFL, MET, PRU: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, Nepal Life Insurance Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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.


Nepal Life Insurance Co Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Nepal Life Insurance Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Nepal Life Insurance Co's Cyclically Adjusted PB Ratio falls into.


XNEP:NLIC
89GF Score
Nepal Life Insurance Co Ltd XNEP:NLIC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nepal Life Insurance Co Cyclically Adjusted Book per Share Calculation

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

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, Nepal Life Insurance Co's adjusted Book Value per Share data for the three months ended in Apr. 2026 was:

Adj_Book= Book Value per Share /CPI of Apr. 2026 (Change)*Current CPI (Apr. 2026)
=126.582/333.0200*333.0200
=126.582

Current CPI (Apr. 2026) = 333.0200.

Nepal Life Insurance Co Quarterly Data

Book Value per Share CPI Adj_Book
201607 683.767 240.628 946.308
201610 729.051 241.729 1,004.383
201701 524.673 242.839 719.516
201704 625.184 244.524 851.445
201707 653.719 244.786 889.354
201710 712.929 246.663 962.526
201801 747.365 247.867 1,004.117
201804 772.237 250.546 1,026.440
201807 793.765 252.006 1,048.942
201810 868.676 252.885 1,143.945
201901 901.539 251.712 1,192.754
201904 966.013 255.548 1,258.870
201907 1,005.453 256.571 1,305.042
201910 1,118.518 257.346 1,447.424
202001 1,190.862 257.971 1,537.308
202004 1,244.759 256.389 1,616.800
202007 904.419 259.101 1,162.441
202010 998.356 260.388 1,276.835
202101 1,161.779 261.582 1,479.061
202104 1,229.300 267.054 1,532.954
202107 116.917 273.003 142.620
202110 1,344.491 276.589 1,618.800
202201 1,418.869 281.148 1,680.651
202204 1,482.432 289.109 1,707.590
202207 101.979 296.276 114.626
202210 1,615.125 298.012 1,804.857
202301 1,691.721 299.170 1,883.133
202304 1,758.377 303.363 1,930.277
202307 124.162 305.691 135.262
202310 108.926 307.671 117.900
202401 111.727 308.417 120.640
202404 129.967 313.548 138.038
202407 128.578 314.540 136.132
202410 115.928 315.664 122.302
202501 133.918 317.671 140.389
202504 129.338 320.795 134.267
202507 137.263 323.048 141.500
202510 131.505 0.000
202601 124.947 325.252 127.931
202604 126.582 333.020 126.582

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of NPR896.62 mean?
Nepal Life Insurance Co (XNEP:NLIC) has a Cyclically Adjusted Book per Share of NPR896.62 as of Apr. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Nepal Life Insurance Co and its competitors.
Is Nepal Life Insurance Co's Cyclically Adjusted Book per Share too high?
Nepal Life Insurance Co's current Cyclically Adjusted Book per Share is NPR896.62. Overall, Nepal Life Insurance Co has a GF Score™ of 89/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nepal Life Insurance Co's Cyclically Adjusted Book per Share compare to AFL and MET?
Nepal Life Insurance Co's Cyclically Adjusted Book per Share of NPR896.62 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Nepal Life Insurance Co and its competitors. Nepal Life Insurance Co's current Cyclically Adjusted Book per Share is NPR896.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Nepal Life Insurance Co (XNEP:NLIC) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR1,378.40, compared to a current price of NPR758.00 — trading 45% below its estimated fair value. The current Cyclically Adjusted Book per Share is NPR896.62. Nepal Life Insurance Co's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Nepal Life Insurance Co (XNEP:NLIC), the current Cyclically Adjusted Book per Share is NPR896.62 as of Apr. 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 Nepal Life Insurance Co (XNEP:NLIC) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal Life Insurance Co stock appears to be undervalued. The current stock price of NPR758.00 is trading 45% below its estimated GF Value™ of NPR1,378.40. GuruFocus considers Nepal Life Insurance Co to be Significantly Undervalued.

Key valuation signals for XNEP:NLIC:

  • Cyclically Adjusted Book per Share: NPR896.62
  • GF Value™: NPR1,378.40 vs. price of NPR758.00 (45% below fair value)
  • GF Score™: 89/100 with 5 warning signs

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


Nepal Life Insurance Co Business Description

Address Kamaladi, Baluwatar Complex, Kathmandu, NPL
Nepal Life Insurance Co Ltd is a Nepal based life insurance company. The company's operating segments include Endowment Life, Money Back, Jeevan Sahara, Jeevan Sarathi, and Term Life Insurance Policy. Company includes various product's like Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana, Sunaulo Bhabisya Jeevan Beema Yojana, Jeevan Unnati Beema Yojana, Naulo Jeevan Sambriddhi Jeevan Beema Yojana, Anmol Jeevan Beema Yojana, iEnsure Jeevan Beema Yojana, Gramin Sawadhik Jeevan Beema Yojana and many more.
89GF Score

Get the complete analysis for XNEP:NLIC

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR758.00
Price
NPR1,378.40
GF Value