Jyoti Bikas Bank (XNEP:JBBL) E10: NPR16.35 (As of Apr. 2026)


XNEP:JBBL Jyoti Bikas Bank Ltd XNEP:JBBL
72 GF Score
Price NPR343.00
GF Value NPR329.25
Valuation Fairly Valued
! 3 Warning Signs
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What is Jyoti Bikas Bank E10?

Jyoti Bikas Bank XNEP:JBBL +1.18% 72 E10 is NPR16.35 as of Apr. 2026. GuruFocus rates XNEP:JBBL with a GF Score™ of 72/100 and a GF Value™ of NPR329.25 (Fairly Valued). 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.

Jyoti Bikas Bank's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR7.259. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR16.35 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Jyoti Bikas Bank's average E10 Growth Rate was -3.90% 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.

As of today (2026-07-06), Jyoti Bikas Bank's current stock price is NPR343.00. Jyoti Bikas Bank's E10 for the quarter that ended in Apr. 2026 was NPR16.35. Jyoti Bikas Bank's Shiller PE Ratio of today is 20.98.

During the past 13 years, the highest Shiller PE Ratio of Jyoti Bikas Bank was 24.54. The lowest was 15.39. And the median was 19.31.


Jyoti Bikas Bank  (XNEP:JBBL) 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.

Jyoti Bikas Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=343.00/16.35
=20.98

* 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 Jyoti Bikas Bank was 24.54. The lowest was 15.39. And the median was 19.31.


Be Aware

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


Jyoti Bikas Bank E10 Related Terms


Jyoti Bikas Bank E10 Historical Data

* Premium members only.

The historical data trend for Jyoti Bikas 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.

Jyoti Bikas Bank E10 Chart

Jyoti Bikas 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 0.00 16.82 17.03 16.04

Jyoti Bikas 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 17.02 16.04 16.11 16.06 16.35

Jyoti Bikas Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Jyoti Bikas 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.


Jyoti Bikas Bank Shiller PE Ratio vs Banks Industry

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

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


XNEP:JBBL
72GF Score
Jyoti Bikas Bank Ltd XNEP:JBBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jyoti Bikas 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, Jyoti Bikas 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)
=7.259/333.0200*333.0200
=7.259

Current CPI (Apr. 2026) = 333.0200.

Jyoti Bikas Bank Quarterly Data

per share eps CPI Adj_EPS
201607 -0.779 240.628 -1.078
201610 3.139 241.729 4.324
201701 6.618 242.839 9.076
201704 13.880 244.524 18.903
201707 1.119 244.786 1.522
201710 1.414 246.663 1.909
201801 3.039 247.867 4.083
201804 2.497 250.546 3.319
201807 3.364 252.006 4.445
201810 1.724 252.885 2.270
201901 2.911 251.712 3.851
201904 3.125 255.548 4.072
201907 5.595 256.571 7.262
201910 3.139 257.346 4.062
202001 3.249 257.971 4.194
202004 3.530 256.389 4.585
202007 1.193 259.101 1.533
202010 2.992 260.388 3.827
202101 3.960 261.582 5.041
202104 6.754 267.054 8.422
202107 1.396 273.003 1.703
202110 22.000 276.589 26.489
202201 2.870 281.148 3.400
202204 3.906 289.109 4.499
202207 3.509 296.276 3.944
202210 2.277 298.012 2.544
202301 -0.946 299.170 -1.053
202304 3.866 303.363 4.244
202307 2.341 305.691 2.550
202310 1.112 307.671 1.204
202401 1.260 308.417 1.361
202404 1.109 313.548 1.178
202407 0.500 314.540 0.529
202410 3.636 315.664 3.836
202501 2.255 317.671 2.364
202504 1.302 320.795 1.352
202507 -6.631 323.048 -6.836
202510 1.495 0.000
202601 5.603 325.252 5.737
202604 7.259 333.020 7.259

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 NPR16.35 mean?
Jyoti Bikas Bank (XNEP:JBBL) has a E10 of NPR16.35 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jyoti Bikas Bank and its competitors.
Is Jyoti Bikas Bank's E10 too high?
Jyoti Bikas Bank's current E10 is NPR16.35. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's E10 compare to competitors?
Jyoti Bikas Bank's E10 of NPR16.35 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 Jyoti Bikas Bank and its competitors. Jyoti Bikas Bank's current E10 is NPR16.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.25, compared to a current price of NPR343.00 — trading 4.2% above its estimated fair value. The current E10 is NPR16.35. Jyoti Bikas Bank'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 Jyoti Bikas Bank (XNEP:JBBL), the current E10 is NPR16.35 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued. The current stock price of NPR343.00 is trading 4.2% above its estimated GF Value™ of NPR329.25. GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.

Key valuation signals for XNEP:JBBL:

  • E10: NPR16.35
  • GF Value™: NPR329.25 vs. price of NPR343.00 (4.2% above fair value)
  • GF Score™: 72/100 with 3 warning signs

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


Jyoti Bikas Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score

Get the complete analysis for XNEP:JBBL

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

NPR343.00
Price
NPR329.25
GF Value