Adamjee Insurance Co (KAR:AICL) E10: ₨9.43 (As of Mar. 2026)


KAR:AICL Adamjee Insurance Co Ltd KAR:AICL
72 GF Score
Price ₨81.41
GF Value ₨61.39
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Adamjee Insurance Co E10?

Adamjee Insurance Co KAR:AICL -1.81% 72 E10 is ₨9.43 as of Mar. 2026. GuruFocus rates KAR:AICL with a GF Score™ of 72/100 and a GF Value™ of ₨61.39 (Significantly Overvalued). The stock has 3 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.

Adamjee Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ₨3.010. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨9.43 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Adamjee Insurance Co's average E10 Growth Rate was 12.00% per year. During the past 3 years, the average E10 Growth Rate was 9.30% 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 Adamjee Insurance Co was 9.30% per year. The lowest was 7.00% per year. And the median was 8.15% per year.

As of today (2026-07-04), Adamjee Insurance Co's current stock price is ₨81.41. Adamjee Insurance Co's E10 for the quarter that ended in Mar. 2026 was ₨9.43. Adamjee Insurance Co's Shiller PE Ratio of today is 8.63.

During the past 13 years, the highest Shiller PE Ratio of Adamjee Insurance Co was 13.04. The lowest was 3.13. And the median was 4.99.


Adamjee Insurance Co  (KAR:AICL) 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.

Adamjee Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=81.41/9.43
=8.63

* 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 Adamjee Insurance Co was 13.04. The lowest was 3.13. And the median was 4.99.


Be Aware

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


Adamjee Insurance Co E10 Related Terms


Adamjee Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Adamjee Insurance Co'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.

Adamjee Insurance Co E10 Chart

Adamjee Insurance Co 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 6.66 7.06 7.31 8.17 9.23

Adamjee Insurance Co 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 8.42 8.50 8.81 9.23 9.43

KAR:AICL vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Adamjee Insurance Co'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.


Adamjee Insurance Co Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Adamjee Insurance Co's Shiller PE Ratio falls into.


KAR:AICL
72GF Score
Adamjee Insurance Co Ltd KAR:AICL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Adamjee Insurance Co 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, Adamjee Insurance Co'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)
=3.01/330.2130*330.2130
=3.010

Current CPI (Mar. 2026) = 330.2130.

Adamjee Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201606 2.200 241.018 3.014
201609 3.880 241.428 5.307
201612 1.870 241.432 2.558
201703 1.950 243.801 2.641
201706 1.090 244.955 1.469
201709 1.640 246.819 2.194
201712 -1.540 246.524 -2.063
201803 2.130 249.554 2.818
201806 1.000 251.989 1.310
201809 1.490 252.439 1.949
201812 -0.960 251.233 -1.262
201903 1.840 254.202 2.390
201906 -0.330 256.143 -0.425
201909 1.590 256.759 2.045
201912 2.530 256.974 3.251
202003 1.400 258.115 1.791
202006 1.170 257.797 1.499
202009 1.190 260.280 1.510
202012 2.170 260.474 2.751
202103 2.780 264.877 3.466
202106 2.020 271.696 2.455
202109 2.080 274.310 2.504
202112 1.530 278.802 1.812
202203 1.660 287.504 1.907
202206 0.490 296.311 0.546
202209 1.560 296.808 1.736
202212 2.980 296.797 3.316
202303 1.380 301.836 1.510
202306 1.160 305.109 1.255
202309 3.450 307.789 3.701
202312 1.510 306.746 1.626
202403 2.900 312.332 3.066
202406 3.270 314.175 3.437
202409 3.680 315.301 3.854
202412 3.860 315.605 4.039
202503 4.210 319.799 4.347
202506 3.440 322.561 3.522
202509 4.790 324.800 4.870
202512 3.490 324.054 3.556
202603 3.010 330.213 3.010

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 ₨9.43 mean?
Adamjee Insurance Co (KAR:AICL) has a E10 of ₨9.43 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Adamjee Insurance Co and its competitors.
Is Adamjee Insurance Co's E10 too high?
Adamjee Insurance Co's current E10 is ₨9.43. Overall, Adamjee Insurance Co has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's E10 compare to CB and PGR?
Adamjee Insurance Co's E10 of ₨9.43 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 E10 for an Insurance company?
A good E10 depends on the Insurance 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 Adamjee Insurance Co and its competitors. Adamjee Insurance Co's current E10 is ₨9.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨61.39, compared to a current price of ₨81.41 — trading 32.6% above its estimated fair value. The current E10 is ₨9.43. Adamjee Insurance Co's overall GF Score™ is 72/100 with 3 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 Adamjee Insurance Co (KAR:AICL), the current E10 is ₨9.43 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?

Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued. The current stock price of ₨81.41 is trading 32.6% above its estimated GF Value™ of ₨61.39. GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.

Key valuation signals for KAR:AICL:

  • E10: ₨9.43
  • GF Value™: ₨61.39 vs. price of ₨81.41 (32.6% above fair value)
  • GF Score™: 72/100 with 3 warning signs

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


Adamjee Insurance Co Business Description

Address Main Boulevard, Gulberg-III, 80/A, Block E-1, Adamjee House Building, Lahore, PAK, 54000
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
72GF Score

Get the complete analysis for KAR:AICL

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

₨81.41
Price
₨61.39
GF Value