Central Finance Co (XNEP:CFCL) E10: NPR7.74 (As of Apr. 2026)


XNEP:CFCL Central Finance Co Ltd XNEP:CFCL
61 GF Score
Price NPR620.00
GF Value NPR600.76
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Central Finance Co E10?

Central Finance Co XNEP:CFCL +0.34% 61 E10 is NPR7.74 as of Apr. 2026. GuruFocus rates XNEP:CFCL with a GF Score™ of 61/100 and a GF Value™ of NPR600.76 (Fairly Valued). The stock has 4 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.

Central Finance Co's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR-0.237. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR7.74 for the trailing ten years ended in Apr. 2026.

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 (2026-07-05), Central Finance Co's current stock price is NPR620.00. Central Finance Co's E10 for the quarter that ended in Apr. 2026 was NPR7.74. Central Finance Co's Shiller PE Ratio of today is 80.10.

During the past 12 years, the highest Shiller PE Ratio of Central Finance Co was 85.14. The lowest was 62.92. And the median was 68.72.


Central Finance Co  (XNEP:CFCL) 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.

Central Finance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=620.00/7.74
=80.10

* 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 12 years, the highest Shiller P/E Ratio of Central Finance Co was 85.14. The lowest was 62.92. And the median was 68.72.


Be Aware

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


Central Finance Co E10 Related Terms


Central Finance Co E10 Historical Data

* Premium members only.

The historical data trend for Central Finance 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.

Central Finance Co E10 Chart

Central Finance Co 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 0.00 0.00 0.00 0.00

Central Finance Co 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 0.00 0.00 0.00 7.80 7.74

Central Finance Co E10 Competitor Comparison

For the Banks - Regional subindustry, Central Finance 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.


Central Finance Co Shiller PE Ratio vs Banks Industry

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

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


XNEP:CFCL
61GF Score
Central Finance Co Ltd XNEP:CFCL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Central Finance 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, Central Finance Co'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)
=-0.237/333.0200*333.0200
=-0.237

Current CPI (Apr. 2026) = 333.0200.

Central Finance Co Quarterly Data

per share eps CPI Adj_EPS
201507 0.000 238.654 0.000
201607 0.000 240.628 0.000
201610 0.832 241.729 1.146
201701 15.504 242.839 21.262
201707 0.000 244.786 0.000
201710 0.595 246.663 0.803
201801 5.696 247.867 7.653
201804 6.319 250.546 8.399
201807 4.379 252.006 5.787
201810 2.270 252.885 2.989
201901 1.649 251.712 2.182
201904 1.241 255.548 1.617
201907 3.974 256.571 5.158
201910 3.093 257.346 4.003
202001 1.670 257.971 2.156
202004 3.593 256.389 4.667
202007 1.819 259.101 2.338
202010 0.775 260.388 0.991
202101 3.779 261.582 4.811
202104 2.818 267.054 3.514
202107 4.060 273.003 4.953
202110 1.438 276.589 1.731
202201 2.251 281.148 2.666
202204 0.679 289.109 0.782
202207 1.533 296.276 1.723
202210 0.987 298.012 1.103
202301 -0.945 299.170 -1.052
202304 2.473 303.363 2.715
202307 1.825 305.691 1.988
202310 -2.759 307.671 -2.986
202401 -2.262 308.417 -2.442
202404 -1.458 313.548 -1.549
202407 -29.496 314.540 -31.229
202410 5.218 315.664 5.505
202501 -4.850 317.671 -5.084
202504 1.421 320.795 1.475
202507 7.606 323.048 7.841
202510 1.944 0.000
202601 2.184 325.252 2.236
202604 -0.237 333.020 -0.237

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 NPR7.74 mean?
Central Finance Co (XNEP:CFCL) has a E10 of NPR7.74 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Central Finance Co and its competitors.
Is Central Finance Co's E10 too high?
Central Finance Co's current E10 is NPR7.74. Overall, Central Finance Co has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Central Finance Co's E10 compare to competitors?
Central Finance Co's E10 of NPR7.74 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 Central Finance Co and its competitors. Central Finance Co's current E10 is NPR7.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Central Finance Co (XNEP:CFCL) is currently considered Fairly Valued. The stock's GF Value™ is NPR600.76, compared to a current price of NPR620.00 — trading 3.2% above its estimated fair value. The current E10 is NPR7.74. Central Finance Co's overall GF Score™ is 61/100 with 4 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 Central Finance Co (XNEP:CFCL), the current E10 is NPR7.74 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 Central Finance Co (XNEP:CFCL) Overvalued in 2026?

Based on GuruFocus' analysis, Central Finance Co stock appears to be overvalued. The current stock price of NPR620.00 is trading 3.2% above its estimated GF Value™ of NPR600.76. GuruFocus considers Central Finance Co to be Fairly Valued.

Key valuation signals for XNEP:CFCL:

  • E10: NPR7.74
  • GF Value™: NPR600.76 vs. price of NPR620.00 (3.2% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Central Finance Co Business Description

Address Kupondole Road, Lalitpur, NPL, 44600
Central Finance Co Ltd operates as a financial services company in Nepal. It accepts deposits, issues loans, issues, and processes debit cards, and is engaged in investing and trading securities, as well as performing other activities. The company offers a range of financial products and services to a wide range of clients encompassing individuals, mid-markets, and corporates. The company identifies operating segments based on its geographical presence in seven provinces in Nepal, which are Bagmati Pradesh, its key revenue-generating segment, Koshi, Madhesh Pradesh, Lumbini, Gandaki, Karnali, and Sudurpachim.
61GF Score

Get the complete analysis for XNEP:CFCL

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

NPR620.00
Price
NPR600.76
GF Value