Nepal Insurance Co (XNEP:NICL) E10: NPR16.48 (As of Apr. 2026)

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XNEP:NICL Nepal Insurance Co Ltd XNEP:NICL
95 GF Score
Price NPR505.00
GF Value NPR629.87
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is Nepal Insurance Co E10?

Nepal Insurance Co XNEP:NICL +0.40% 95 E10 is NPR16.48 as of Apr. 2026. GuruFocus rates XNEP:NICL with a GF Score™ of 95/100 and a GF Value™ of NPR629.87 (Modestly Undervalued). 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.

Nepal Insurance Co's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR3.409. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR16.48 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Nepal Insurance Co's average E10 Growth Rate was -9.70% 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 (2026-07-14), Nepal Insurance Co's current stock price is NPR505.00. Nepal Insurance Co's E10 for the quarter that ended in Apr. 2026 was NPR16.48. Nepal Insurance Co's Shiller PE Ratio of today is 30.64.

During the past 10 years, the highest Shiller PE Ratio of Nepal Insurance Co was 38.02. The lowest was 27.12. And the median was 32.80.


Nepal Insurance Co  (XNEP:NICL) 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 Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=505.00/16.48
=30.64

* 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 10 years, the highest Shiller P/E Ratio of Nepal Insurance Co was 38.02. The lowest was 27.12. And the median was 32.80.


Be Aware

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


Nepal Insurance Co E10 Related Terms


Nepal Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Nepal Insurance 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.

Nepal Insurance Co E10 Chart

Nepal Insurance 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 18.38

Nepal Insurance 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 18.25 18.38 16.22 16.17 16.48

XNEP:NICL vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Nepal Insurance 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.


Nepal Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


XNEP:NICL
95GF Score
Nepal Insurance Co Ltd XNEP:NICL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nepal Insurance 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, Nepal Insurance 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)
=3.409/333.0200*333.0200
=3.409

Current CPI (Apr. 2026) = 333.0200.

Nepal Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201607 0.000 240.628 0.000
201610 0.000 241.729 0.000
201701 0.000 242.839 0.000
201704 0.679 244.524 0.925
201707 3.359 244.786 4.570
201710 1.385 246.663 1.870
201801 0.850 247.867 1.142
201804 1.333 250.546 1.772
201807 2.324 252.006 3.071
201810 2.061 252.885 2.714
201901 1.309 251.712 1.732
201904 2.641 255.548 3.442
201907 3.284 256.571 4.263
201910 2.021 257.346 2.615
202001 1.576 257.971 2.034
202004 1.918 256.389 2.491
202007 5.535 259.101 7.114
202010 2.356 260.388 3.013
202101 2.078 261.582 2.646
202104 2.914 267.054 3.634
202107 5.605 273.003 6.837
202110 2.529 276.589 3.045
202201 1.741 281.148 2.062
202204 3.111 289.109 3.584
202207 6.260 296.276 7.036
202210 11.026 298.012 12.321
202301 3.342 299.170 3.720
202304 5.930 303.363 6.510
202307 2.770 305.691 3.018
202310 26.360 307.671 28.532
202401 14.462 308.417 15.616
202404 4.412 313.548 4.686
202407 0.373 314.540 0.395
202410 2.530 315.664 2.669
202501 3.099 317.671 3.249
202504 3.788 320.795 3.932
202507 4.655 323.048 4.799
202510 -15.130 0.000
202601 3.418 325.252 3.500
202604 3.409 333.020 3.409

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 NPR16.48 mean?
Nepal Insurance Co (XNEP:NICL) has a E10 of NPR16.48 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nepal Insurance Co and its competitors.
Is Nepal Insurance Co's E10 too high?
Nepal Insurance Co's current E10 is NPR16.48. Overall, Nepal Insurance Co has a GF Score™ of 95/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nepal Insurance Co's E10 compare to CB and PGR?
Nepal Insurance Co's E10 of NPR16.48 can be compared against companies in the Insurance 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 an Insurance company?
A good E10 depends on the Insurance 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 Insurance Co and its competitors. Nepal Insurance Co's current E10 is NPR16.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Nepal Insurance Co (XNEP:NICL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR629.87, compared to a current price of NPR505.00 — trading 19.8% below its estimated fair value. The current E10 is NPR16.48. Nepal Insurance Co's overall GF Score™ is 95/100 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 Nepal Insurance Co (XNEP:NICL), the current E10 is NPR16.48 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 Nepal Insurance Co (XNEP:NICL) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal Insurance Co stock appears to be undervalued. The current stock price of NPR505.00 is trading 19.8% below its estimated GF Value™ of NPR629.87. GuruFocus considers Nepal Insurance Co to be Modestly Undervalued.

Key valuation signals for XNEP:NICL:

  • E10: NPR16.48
  • GF Value™: NPR629.87 vs. price of NPR505.00 (19.8% below fair value)
  • GF Score™: 95/100 with 1 warning sign

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


Nepal Insurance Co Business Description

Address Ganeshthan, P.O. Box: 3623, Ameer Bhawan, 1st & 7th Floor, Kamaladi, Kathmandu, NPL
Nepal Insurance Co Ltd is a non-life insurance company in Nepal. The company offers motor insurance, property insurance, home insurance, marine insurance, engineering insurance, aviation insurance, agricultural and livestock insurance, and other miscellaneous insurance.
95GF Score

Get the complete analysis for XNEP:NICL

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

NPR505.00
Price
NPR629.87
GF Value