Nova Ljubljanska banka dd Ljubljana (LSE:NLB) E10: €5.38 (As of Mar. 2026)


LSE:NLB Nova Ljubljanska banka dd Ljubljana LSE:NLB
76 GF Score
Price €44.05
GF Value €27.41
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Nova Ljubljanska banka dd Ljubljana E10?

Nova Ljubljanska banka dd Ljubljana LSE:NLB +1.03% 76 E10 is €5.38 as of Mar. 2026. GuruFocus rates LSE:NLB with a GF Score™ of 76/100 and a GF Value™ of €27.41 (Significantly Overvalued). The stock has 6 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.

Nova Ljubljanska banka dd Ljubljana's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was €5.040. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €5.38 for the trailing ten years ended in Dec. 2025.

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 (2026-06-27), Nova Ljubljanska banka dd Ljubljana's current stock price is € 44.05. Nova Ljubljanska banka dd Ljubljana's E10 for the fiscal year that ended in Dec. 2025 was €5.38. Nova Ljubljanska banka dd Ljubljana's Shiller PE Ratio of today is 8.19.

During the past 11 years, the highest Shiller PE Ratio of Nova Ljubljanska banka dd Ljubljana was 8.23. The lowest was 4.70. And the median was 5.98.


Nova Ljubljanska banka dd Ljubljana  (LSE:NLB) 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.

Nova Ljubljanska banka dd Ljubljana's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=44.05/5.38
=8.19

* 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 11 years, the highest Shiller P/E Ratio of Nova Ljubljanska banka dd Ljubljana was 8.23. The lowest was 4.70. And the median was 5.98.


Be Aware

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


Nova Ljubljanska banka dd Ljubljana E10 Related Terms


Nova Ljubljanska banka dd Ljubljana E10 Historical Data

* Premium members only.

The historical data trend for Nova Ljubljanska banka dd Ljubljana'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.

Nova Ljubljanska banka dd Ljubljana E10 Chart

Nova Ljubljanska banka dd Ljubljana 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 0.00 0.00 0.00 5.29 5.38

Nova Ljubljanska banka dd Ljubljana 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 0.00 0.00 0.00 5.38 0.00

LSE:NLB vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Nova Ljubljanska banka dd Ljubljana'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.


Nova Ljubljanska banka dd Ljubljana Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Nova Ljubljanska banka dd Ljubljana's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Nova Ljubljanska banka dd Ljubljana's Shiller PE Ratio falls into.


LSE:NLB
76GF Score
Nova Ljubljanska banka dd Ljubljana LSE:NLB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Nova Ljubljanska banka dd Ljubljana 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, Nova Ljubljanska banka dd Ljubljana's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=5.04/324.0540*324.0540
=5.040

Current CPI (Dec. 2025) = 324.0540.

Nova Ljubljanska banka dd Ljubljana Annual Data

per_share_eps CPI Adj_EPS
201612 5.501 241.432 7.384
201712 11.300 246.524 14.854
201812 2.040 251.233 2.631
201912 1.940 256.974 2.446
202012 2.700 260.474 3.359
202112 2.360 278.802 2.743
202212 4.460 296.797 4.870
202312 5.500 306.746 5.810
202412 5.140 315.605 5.278
202512 5.040 324.054 5.040

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 €5.38 mean?
Nova Ljubljanska banka dd Ljubljana (LSE:NLB) has a E10 of €5.38 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nova Ljubljanska banka dd Ljubljana and its competitors.
Is Nova Ljubljanska banka dd Ljubljana's E10 too high?
Nova Ljubljanska banka dd Ljubljana's current E10 is €5.38. Overall, Nova Ljubljanska banka dd Ljubljana has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nova Ljubljanska banka dd Ljubljana's E10 compare to PNC and USB?
Nova Ljubljanska banka dd Ljubljana's E10 of €5.38 can be compared against companies in the Banks 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 a Banks company?
A good E10 depends on the Banks 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 Nova Ljubljanska banka dd Ljubljana and its competitors. Nova Ljubljanska banka dd Ljubljana's current E10 is €5.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nova Ljubljanska banka dd Ljubljana stock overvalued right now?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana (LSE:NLB) is currently considered Significantly Overvalued. The stock's GF Value™ is €27.41, compared to a current price of €44.05 — trading 60.7% above its estimated fair value. The current E10 is €5.38. Nova Ljubljanska banka dd Ljubljana's overall GF Score™ is 76/100 with 6 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 Nova Ljubljanska banka dd Ljubljana (LSE:NLB), the current E10 is €5.38 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 Nova Ljubljanska banka dd Ljubljana (LSE:NLB) Overvalued in 2026?

Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana stock appears to be overvalued. The current stock price of €44.05 is trading 60.7% above its estimated GF Value™ of €27.41. GuruFocus considers Nova Ljubljanska banka dd Ljubljana to be Significantly Overvalued.

Key valuation signals for LSE:NLB:

  • E10: €5.38
  • GF Value™: €27.41 vs. price of €44.05 (60.7% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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


Nova Ljubljanska banka dd Ljubljana Business Description

Address Trg republike 2, Ljubljana, SVN, 1000
Nova Ljubljanska banka dd Ljubljana is a Slovenia-based entity providing universal banking services. It is a principal provider of banking products, asset management, and insurance products. The company has six operating segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. Geographically, the company operates in Slovenia, Southeast Europe (North Macedonia, Serbia, Montenegro, Croatia, Bosnia & Herzegovina, and Kosovo), and Western Europe (Germany and Switzerland). Geographically, the company generates the majority of its revenue from Slovenia.
76GF Score

Get the complete analysis for LSE:NLB

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

€44.05
Price
€27.41
GF Value