Nepal Creditmmerce Bank (XNEP:NCCB) E10: NPR16.88 (As of Jan. 2023)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:NCCB Nepal Credit & Commerce Bank Ltd XNEP:NCCB
21 GF Score
Price NPR189.00
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What is Nepal Creditmmerce Bank E10?

Nepal Creditmmerce Bank XNEP:NCCB 21 E10 is NPR16.88 as of Jan. 2023. GuruFocus rates XNEP:NCCB with a GF Score™ of 21/100.

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.

Nepal Creditmmerce Bank's adjusted earnings per share data for the three months ended in Jan. 2023 was NPR0.259. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR16.88 for the trailing ten years ended in Jan. 2023.

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 (2026-07-19), Nepal Creditmmerce Bank's current stock price is NPR189.00. Nepal Creditmmerce Bank's E10 for the quarter that ended in Jan. 2023 was NPR16.88. Nepal Creditmmerce Bank's Shiller PE Ratio of today is 11.20.


Nepal Creditmmerce Bank  (XNEP:NCCB) 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.

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

Shiller PE Ratio=Share Price/E10
=189.00/16.88
=11.20

* 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.


Be Aware

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


Nepal Creditmmerce Bank E10 Related Terms


Nepal Creditmmerce Bank E10 Historical Data

* Premium members only.

The historical data trend for Nepal Creditmmerce 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.

Nepal Creditmmerce Bank E10 Chart

Nepal Creditmmerce Bank Annual Data
Trend Jul12 Jul13 Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Nepal Creditmmerce Bank Quarterly Data
Jan18 Apr18 Jul18 Oct18 Jan19 Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Oct22 Jan23
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 21.61 20.97 17.28 16.88

XNEP:NCCB vs USB, PNC: E10 Comparison

For the Banks - Regional subindustry, Nepal Creditmmerce 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.


Nepal Creditmmerce Bank Shiller PE Ratio vs Banks Industry

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

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


XNEP:NCCB
21GF Score
Nepal Credit & Commerce Bank Ltd XNEP:NCCB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal Creditmmerce 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, Nepal Creditmmerce Bank's adjusted earnings per share data for the three months ended in Jan. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jan. 2023 (Change)*Current CPI (Jan. 2023)
=0.259/299.1700*299.1700
=0.259

Current CPI (Jan. 2023) = 299.1700.

Nepal Creditmmerce Bank Quarterly Data

per share eps CPI Adj_EPS
201207 0.000 229.104 0.000
201304 0.000 232.531 0.000
201307 4.481 233.596 5.739
201310 1.259 233.546 1.613
201401 4.923 233.916 6.296
201404 0.470 237.072 0.593
201407 8.504 238.250 10.678
201410 3.973 237.433 5.006
201501 5.274 233.707 6.751
201504 3.585 236.599 4.533
201507 0.455 238.654 0.570
201510 3.560 237.838 4.478
201601 3.354 236.916 4.235
201604 10.462 239.261 13.082
201607 0.000 240.628 0.000
201610 3.614 241.729 4.473
201701 -1.440 242.839 -1.774
201704 4.687 244.524 5.734
201707 5.135 244.786 6.276
201710 0.000 246.663 0.000
201801 0.000 247.867 0.000
201804 2.585 250.546 3.087
201807 5.506 252.006 6.536
201810 5.206 252.885 6.159
201901 3.778 251.712 4.490
201904 5.150 255.548 6.029
201907 -1.682 256.571 -1.961
201910 3.397 257.346 3.949
202001 4.152 257.971 4.815
202004 4.088 256.389 4.770
202007 -0.499 259.101 -0.576
202010 2.906 260.388 3.339
202101 2.427 261.582 2.776
202104 4.231 267.054 4.740
202107 1.993 273.003 2.184
202110 4.499 276.589 4.866
202201 3.902 281.148 4.152
202204 5.099 289.109 5.276
202210 4.489 298.012 4.506
202301 0.259 299.170 0.259

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 NPR16.88 mean?
Nepal Creditmmerce Bank (XNEP:NCCB) has a E10 of NPR16.88 as of Jan. 2023. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nepal Creditmmerce Bank and its competitors.
Is Nepal Creditmmerce Bank's E10 too high?
Nepal Creditmmerce Bank's current E10 is NPR16.88. Overall, Nepal Creditmmerce Bank has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Nepal Creditmmerce Bank's E10 compare to USB and PNC?
Nepal Creditmmerce Bank's E10 of NPR16.88 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 Nepal Creditmmerce Bank and its competitors. Nepal Creditmmerce Bank's current E10 is NPR16.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Creditmmerce Bank stock overvalued right now?
Nepal Creditmmerce Bank (XNEP:NCCB) has a current E10 of NPR16.88. The current E10 is NPR16.88. Nepal Creditmmerce Bank's overall GF Score™ is 21/100. 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 Nepal Creditmmerce Bank (XNEP:NCCB), the current E10 is NPR16.88 as of Jan. 2023. 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.

Nepal Creditmmerce Bank Business Description

Address Bagbazar, PO Box: 12559, Kathmandu, NPL
Nepal Credit & Commerce Bank Ltd provides standard banking products and services. It offers deposit products including saving account and bachat khatas; loans including housing, hire purchase, vehicle, overdraft and term; mobile and internet banking services, and remittance services.
21GF Score

Get the complete analysis for XNEP:NCCB

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

NPR189.00
Price