Agriculture Development Bank (XNEP:ADBL) E10: NPR37.59 (As of Apr. 2026)


XNEP:ADBL Agriculture Development Bank Ltd XNEP:ADBL
56 GF Score
Price NPR308.00
GF Value NPR668.22
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Agriculture Development Bank E10?

Agriculture Development Bank XNEP:ADBL +1.48% 56 E10 is NPR37.59 as of Apr. 2026. GuruFocus rates XNEP:ADBL with a GF Score™ of 56/100 and a GF Value™ of NPR668.22 (Significantly Undervalued). 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.

Agriculture Development Bank's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR17.160. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR37.59 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Agriculture Development Bank's average E10 Growth Rate was 3.50% per year. During the past 3 years, the average E10 Growth Rate was 6.90% 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 Agriculture Development Bank was 6.90% per year. The lowest was 6.90% per year. And the median was 6.90% per year.

As of today (2026-07-08), Agriculture Development Bank's current stock price is NPR308.00. Agriculture Development Bank's E10 for the quarter that ended in Apr. 2026 was NPR37.59. Agriculture Development Bank's Shiller PE Ratio of today is 8.19.

During the past 13 years, the highest Shiller PE Ratio of Agriculture Development Bank was 12.78. The lowest was 7.05. And the median was 8.72.


Agriculture Development Bank  (XNEP:ADBL) 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.

Agriculture Development Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=308.00/37.59
=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 13 years, the highest Shiller P/E Ratio of Agriculture Development Bank was 12.78. The lowest was 7.05. And the median was 8.72.


Be Aware

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


Agriculture Development Bank E10 Related Terms


Agriculture Development Bank E10 Historical Data

* Premium members only.

The historical data trend for Agriculture Development Bank'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.

Agriculture Development Bank E10 Chart

Agriculture Development Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 28.98 30.17 32.56 35.37

Agriculture Development Bank Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 36.31 35.37 34.10 35.99 37.59

Agriculture Development Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Agriculture Development Bank'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.


Agriculture Development Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Agriculture Development Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Agriculture Development Bank's Shiller PE Ratio falls into.


XNEP:ADBL
56GF Score
Agriculture Development Bank Ltd XNEP:ADBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Agriculture Development Bank 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, Agriculture Development Bank's adjusted earnings per share data for the three months ended in Apr. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Apr. 2026 (Change)*Current CPI (Apr. 2026)
=17.16/333.0200*333.0200
=17.160

Current CPI (Apr. 2026) = 333.0200.

Agriculture Development Bank Quarterly Data

per share eps CPI Adj_EPS
201607 10.671 240.628 14.768
201610 3.602 241.729 4.962
201701 4.129 242.839 5.662
201704 5.697 244.524 7.759
201707 9.440 244.786 12.843
201710 9.195 246.663 12.414
201801 4.748 247.867 6.379
201804 4.254 250.546 5.654
201807 12.776 252.006 16.883
201810 3.597 252.885 4.737
201901 5.326 251.712 7.046
201904 6.662 255.548 8.682
201907 12.073 256.571 15.670
201910 3.919 257.346 5.071
202001 6.731 257.971 8.689
202004 4.150 256.389 5.390
202007 6.828 259.101 8.776
202010 3.002 260.388 3.839
202101 5.883 261.582 7.490
202104 5.107 267.054 6.368
202107 10.524 273.003 12.838
202110 3.223 276.589 3.881
202201 6.524 281.148 7.728
202204 5.101 289.109 5.876
202207 2.143 296.276 2.409
202210 1.398 298.012 1.562
202301 -2.854 299.170 -3.177
202304 32.621 303.363 35.810
202307 1.166 305.691 1.270
202310 -7.039 307.671 -7.619
202401 16.080 308.417 17.363
202404 18.330 313.548 19.468
202407 6.104 314.540 6.463
202410 3.340 315.664 3.524
202501 19.730 317.671 20.683
202504 23.300 320.795 24.188
202507 16.673 323.048 17.188
202510 0.070 0.000
202601 19.620 325.252 20.089
202604 17.160 333.020 17.160

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 NPR37.59 mean?
Agriculture Development Bank (XNEP:ADBL) has a E10 of NPR37.59 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Agriculture Development Bank and its competitors.
Is Agriculture Development Bank's E10 too high?
Agriculture Development Bank's current E10 is NPR37.59. Overall, Agriculture Development Bank has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's E10 compare to competitors?
Agriculture Development Bank's E10 of NPR37.59 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 Agriculture Development Bank and its competitors. Agriculture Development Bank's current E10 is NPR37.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR668.22, compared to a current price of NPR308.00 — trading 53.9% below its estimated fair value. The current E10 is NPR37.59. Agriculture Development Bank's overall GF Score™ is 56/100 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 Agriculture Development Bank (XNEP:ADBL), the current E10 is NPR37.59 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?

Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued. The current stock price of NPR308.00 is trading 53.9% below its estimated GF Value™ of NPR668.22. GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.

Key valuation signals for XNEP:ADBL:

  • E10: NPR37.59
  • GF Value™: NPR668.22 vs. price of NPR308.00 (53.9% below fair value)
  • GF Score™: 56/100 with 2 warning signs

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


Agriculture Development Bank Business Description

Address Ramshah Path, Kathmandu, NPL
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
56GF Score

Get the complete analysis for XNEP:ADBL

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

NPR308.00
Price
NPR668.22
GF Value