Jubilee Life Insurance Co (KAR:JLICL) E10: ₨28.94 (As of Mar. 2026)


KAR:JLICL Jubilee Life Insurance Co Ltd KAR:JLICL
72 GF Score
Price ₨177.08
GF Value ₨156.54
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Jubilee Life Insurance Co E10?

Jubilee Life Insurance Co KAR:JLICL -0.48% 72 E10 is ₨28.94 as of Mar. 2026. GuruFocus rates KAR:JLICL with a GF Score™ of 72/100 and a GF Value™ of ₨156.54 (Modestly Overvalued). The stock has 2 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.

Jubilee Life Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ₨3.100. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨28.94 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jubilee Life Insurance Co's average E10 Growth Rate was 3.60% per year. During the past 3 years, the average E10 Growth Rate was 5.80% 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 Jubilee Life Insurance Co was 7.40% per year. The lowest was 5.80% per year. And the median was 6.60% per year.

As of today (2026-07-04), Jubilee Life Insurance Co's current stock price is ₨177.08. Jubilee Life Insurance Co's E10 for the quarter that ended in Mar. 2026 was ₨28.94. Jubilee Life Insurance Co's Shiller PE Ratio of today is 6.12.

During the past 13 years, the highest Shiller PE Ratio of Jubilee Life Insurance Co was 13.26. The lowest was 3.38. And the median was 5.55.


Jubilee Life Insurance Co  (KAR:JLICL) 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.

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

Shiller PE Ratio=Share Price/E10
=177.08/28.94
=6.12

* 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 Jubilee Life Insurance Co was 13.26. The lowest was 3.38. And the median was 5.55.


Be Aware

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


Jubilee Life Insurance Co E10 Related Terms


Jubilee Life Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Jubilee Life 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.

Jubilee Life Insurance Co E10 Chart

Jubilee Life 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 22.25 24.18 26.07 27.58 28.61

Jubilee Life 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 27.93 28.55 28.85 28.61 28.94

KAR:JLICL vs AFL, MET, PRU: E10 Comparison

For the Insurance - Life subindustry, Jubilee Life 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.


Jubilee Life Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


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

Jubilee Life 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, Jubilee Life 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)
=3.1/330.2130*330.2130
=3.100

Current CPI (Mar. 2026) = 330.2130.

Jubilee Life Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201606 4.316 241.018 5.913
201609 4.704 241.428 6.434
201612 8.245 241.432 11.277
201703 6.419 243.801 8.694
201706 10.435 244.955 14.067
201709 6.704 246.819 8.969
201712 8.952 246.524 11.991
201803 7.510 249.554 9.937
201806 5.265 251.989 6.899
201809 5.968 252.439 7.807
201812 5.479 251.233 7.201
201903 2.965 254.202 3.852
201906 6.800 256.143 8.766
201909 5.774 256.759 7.426
201912 6.626 256.974 8.514
202003 -1.965 258.115 -2.514
202006 16.017 257.797 20.516
202009 5.539 260.280 7.027
202012 9.148 260.474 11.597
202103 4.157 264.877 5.182
202106 5.696 271.696 6.923
202109 2.270 274.310 2.733
202112 5.748 278.802 6.808
202203 4.757 287.504 5.464
202206 4.890 296.311 5.449
202209 5.220 296.808 5.807
202212 5.784 296.797 6.435
202303 5.030 301.836 5.503
202306 2.690 305.109 2.911
202309 7.050 307.789 7.564
202312 8.210 306.746 8.838
202403 5.470 312.332 5.783
202406 6.700 314.175 7.042
202409 5.150 315.301 5.394
202412 8.327 315.605 8.712
202503 3.920 319.799 4.048
202506 8.770 322.561 8.978
202509 5.800 324.800 5.897
202512 6.376 324.054 6.497
202603 3.100 330.213 3.100

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 ₨28.94 mean?
Jubilee Life Insurance Co (KAR:JLICL) has a E10 of ₨28.94 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jubilee Life Insurance Co and its competitors.
Is Jubilee Life Insurance Co's E10 too high?
Jubilee Life Insurance Co's current E10 is ₨28.94. Overall, Jubilee Life Insurance Co has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Life Insurance Co's E10 compare to AFL and MET?
Jubilee Life Insurance Co's E10 of ₨28.94 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 Jubilee Life Insurance Co and its competitors. Jubilee Life Insurance Co's current E10 is ₨28.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Jubilee Life Insurance Co (KAR:JLICL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨156.54, compared to a current price of ₨177.08 — trading 13.1% above its estimated fair value. The current E10 is ₨28.94. Jubilee Life Insurance Co's overall GF Score™ is 72/100 with 2 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 Jubilee Life Insurance Co (KAR:JLICL), the current E10 is ₨28.94 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 Jubilee Life Insurance Co (KAR:JLICL) Overvalued in 2026?

Based on GuruFocus' analysis, Jubilee Life Insurance Co stock appears to be overvalued. The current stock price of ₨177.08 is trading 13.1% above its estimated GF Value™ of ₨156.54. GuruFocus considers Jubilee Life Insurance Co to be Modestly Overvalued.

Key valuation signals for KAR:JLICL:

  • E10: ₨28.94
  • GF Value™: ₨156.54 vs. price of ₨177.08 (13.1% above fair value)
  • GF Score™: 72/100 with 2 warning signs

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


Jubilee Life Insurance Co Business Description

Address M.T. Khan Road, 74/1- A, Lalazar, Jubilee Life Insurance Building, Karachi, SD, PAK, 74000
Jubilee Life Insurance Co Ltd is a company that provides life insurance services. It offers non-participating policies and operates through seven segments, including Individual Life Unit Linked, Conventional Business, Accident & Health Business, Overseas Group Life & Health Business, Individual Family Takaful, Group Family Takaful, and Accident & Health Family Takaful. The company generates of its revenue from the Individual Life Unit Linked segment. These policies are mainly regular premium unit-linked policies that are determined based on the underlying assets' value.
72GF Score

Get the complete analysis for KAR:JLICL

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

₨177.08
Price
₨156.54
GF Value