Kumari Bank (XNEP:KBL) E10: NPR18.05 (As of Apr. 2026)


XNEP:KBL Kumari Bank Ltd XNEP:KBL
76 GF Score
Price NPR210.40
GF Value NPR231.96
Valuation Fairly Valued
! 1 Warning Sign
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What is Kumari Bank E10?

Kumari Bank XNEP:KBL +0.67% 76 E10 is NPR18.05 as of Apr. 2026. GuruFocus rates XNEP:KBL with a GF Score™ of 76/100 and a GF Value™ of NPR231.96 (Fairly Valued). The stock has 1 warning sign 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.

Kumari Bank's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR6.156. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR18.05 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Kumari Bank's average E10 Growth Rate was 16.30% 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 (2026-07-12), Kumari Bank's current stock price is NPR210.40. Kumari Bank's E10 for the quarter that ended in Apr. 2026 was NPR18.05. Kumari Bank's Shiller PE Ratio of today is 11.66.

During the past 13 years, the highest Shiller PE Ratio of Kumari Bank was 17.13. The lowest was 8.23. And the median was 11.09.


Kumari Bank  (XNEP:KBL) 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.

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

Shiller PE Ratio=Share Price/E10
=210.40/18.05
=11.66

* 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 Kumari Bank was 17.13. The lowest was 8.23. And the median was 11.09.


Be Aware

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


Kumari Bank E10 Related Terms


Kumari Bank E10 Historical Data

* Premium members only.

The historical data trend for Kumari 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.

Kumari Bank E10 Chart

Kumari Bank Annual Data
Trend Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 16.74 16.18 15.00

Kumari 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 15.52 15.82 17.08 17.61 18.05

Kumari Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Kumari 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.


Kumari Bank Shiller PE Ratio vs Banks Industry

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

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


XNEP:KBL
76GF Score
Kumari Bank Ltd XNEP:KBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Kumari 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, Kumari 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)
=6.156/333.0200*333.0200
=6.156

Current CPI (Apr. 2026) = 333.0200.

Kumari Bank Quarterly Data

per share eps CPI Adj_EPS
201604 3.785 239.261 5.268
201607 8.503 240.628 11.768
201610 3.237 241.729 4.459
201701 3.342 242.839 4.583
201704 2.274 244.524 3.097
201707 6.708 244.786 9.126
201710 3.400 246.663 4.590
201804 0.000 250.546 0.000
201807 3.312 252.006 4.377
201810 3.200 252.885 4.214
201901 2.833 251.712 3.748
201904 2.912 255.548 3.795
201907 2.163 256.571 2.807
201910 3.683 257.346 4.766
202001 3.661 257.971 4.726
202004 1.826 256.389 2.372
202007 1.101 259.101 1.415
202010 4.176 260.388 5.341
202101 4.338 261.582 5.523
202104 4.363 267.054 5.441
202107 1.224 273.003 1.493
202110 3.899 276.589 4.694
202201 3.054 281.148 3.617
202204 5.972 289.109 6.879
202207 5.515 296.276 6.199
202210 7.636 298.012 8.533
202301 0.203 299.170 0.226
202304 1.482 303.363 1.627
202307 -2.896 305.691 -3.155
202310 1.717 307.671 1.858
202401 2.342 308.417 2.529
202404 0.163 313.548 0.173
202407 -3.617 314.540 -3.830
202410 18.770 315.664 19.802
202501 -3.398 317.671 -3.562
202504 2.107 320.795 2.187
202507 5.217 323.048 5.378
202510 16.590 0.000
202601 6.589 325.252 6.746
202604 6.156 333.020 6.156

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 NPR18.05 mean?
Kumari Bank (XNEP:KBL) has a E10 of NPR18.05 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Kumari Bank and its competitors.
Is Kumari Bank's E10 too high?
Kumari Bank's current E10 is NPR18.05. Overall, Kumari Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kumari Bank's E10 compare to competitors?
Kumari Bank's E10 of NPR18.05 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 Kumari Bank and its competitors. Kumari Bank's current E10 is NPR18.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kumari Bank stock overvalued right now?
Based on GuruFocus' analysis, Kumari Bank (XNEP:KBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR231.96, compared to a current price of NPR210.40 — trading 9.3% below its estimated fair value. The current E10 is NPR18.05. Kumari Bank's overall GF Score™ is 76/100 with 1 warning sign 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 Kumari Bank (XNEP:KBL), the current E10 is NPR18.05 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 Kumari Bank (XNEP:KBL) Overvalued in 2026?

Based on GuruFocus' analysis, Kumari Bank stock appears to be undervalued. The current stock price of NPR210.40 is trading 9.3% below its estimated GF Value™ of NPR231.96. GuruFocus considers Kumari Bank to be Fairly Valued.

Key valuation signals for XNEP:KBL:

  • E10: NPR18.05
  • GF Value™: NPR231.96 vs. price of NPR210.40 (9.3% below fair value)
  • GF Score™: 76/100 with 1 warning sign

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


Kumari Bank Business Description

Address Thirbam Sadak, Tangal, Kathmandu, NPL
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
76GF Score

Get the complete analysis for XNEP:KBL

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

NPR210.40
Price
NPR231.96
GF Value