NLG Insurance Co (XNEP:NLG) E10: NPR12.10 (As of Apr. 2026)

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XNEP:NLG NLG Insurance Co Ltd XNEP:NLG
84 GF Score
Price NPR585.00
GF Value NPR874.86
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is NLG Insurance Co E10?

NLG Insurance Co XNEP:NLG +1.76% 84 E10 is NPR12.10 as of Apr. 2026. GuruFocus rates XNEP:NLG with a GF Score™ of 84/100 and a GF Value™ of NPR874.86 (Significantly Undervalued). The stock has 2 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.

NLG Insurance Co's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR0.891. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR12.10 for the trailing ten years ended in Apr. 2026.

During the past 12 months, NLG Insurance Co's average E10 Growth Rate was -13.10% 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 (2026-08-06), NLG Insurance Co's current stock price is NPR585.00. NLG Insurance Co's E10 for the quarter that ended in Apr. 2026 was NPR12.10. NLG Insurance Co's Shiller PE Ratio of today is 48.35.

During the past 13 years, the highest Shiller PE Ratio of NLG Insurance Co was 77.33. The lowest was 28.57. And the median was 53.66.


NLG Insurance Co  (XNEP:NLG) 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.

NLG Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=585.00/12.10
=48.35

* 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 NLG Insurance Co was 77.33. The lowest was 28.57. And the median was 53.66.


Be Aware

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


NLG Insurance Co E10 Related Terms


NLG Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for NLG 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.

NLG Insurance Co E10 Chart

NLG 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 12.87 13.61

NLG 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 13.93 13.61 11.92 12.20 12.10

XNEP:NLG vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, NLG 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.


NLG Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


XNEP:NLG
84GF Score
NLG Insurance Co Ltd XNEP:NLG
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NLG 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, NLG 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)
=0.891/333.0200*333.0200
=0.891

Current CPI (Apr. 2026) = 333.0200.

NLG Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201607 6.679 240.628 9.243
201610 2.449 241.729 3.374
201701 1.695 242.839 2.324
201704 3.149 244.524 4.289
201707 3.217 244.786 4.377
201710 2.049 246.663 2.766
201801 1.482 247.867 1.991
201804 3.259 250.546 4.332
201807 4.352 252.006 5.751
201810 2.330 252.885 3.068
201901 1.470 251.712 1.945
201904 3.099 255.548 4.038
201907 2.203 256.571 2.859
201910 2.365 257.346 3.060
202001 1.573 257.971 2.031
202004 3.138 256.389 4.076
202007 4.487 259.101 5.767
202010 2.616 260.388 3.346
202101 3.951 261.582 5.030
202104 2.509 267.054 3.129
202107 -0.281 273.003 -0.343
202110 2.286 276.589 2.752
202201 1.752 281.148 2.075
202204 2.661 289.109 3.065
202207 1.611 296.276 1.811
202210 6.309 298.012 7.050
202301 0.797 299.170 0.887
202304 3.129 303.363 3.435
202307 2.970 305.691 3.236
202310 8.523 307.671 9.225
202401 1.416 308.417 1.529
202404 1.929 313.548 2.049
202407 0.403 314.540 0.427
202410 12.221 315.664 12.893
202501 1.004 317.671 1.053
202504 1.916 320.795 1.989
202507 1.418 323.048 1.462
202510 -15.154 0.000
202601 4.202 325.252 4.302
202604 0.891 333.020 0.891

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 NPR12.10 mean?
NLG Insurance Co (XNEP:NLG) has a E10 of NPR12.10 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on NLG Insurance Co and its competitors.
Is NLG Insurance Co's E10 too high?
NLG Insurance Co's current E10 is NPR12.10. Overall, NLG Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NLG Insurance Co's E10 compare to BRK.A and AIG?
NLG Insurance Co's E10 of NPR12.10 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 NLG Insurance Co and its competitors. NLG Insurance Co's current E10 is NPR12.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLG Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, NLG Insurance Co (XNEP:NLG) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR874.86, compared to a current price of NPR585.00 — trading 33.1% below its estimated fair value. The current E10 is NPR12.10. NLG Insurance Co's overall GF Score™ is 84/100 with 2 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 NLG Insurance Co (XNEP:NLG), the current E10 is NPR12.10 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 NLG Insurance Co (XNEP:NLG) Overvalued in 2026?

Based on GuruFocus' analysis, NLG Insurance Co stock appears to be undervalued. The current stock price of NPR585.00 is trading 33.1% below its estimated GF Value™ of NPR874.86. GuruFocus considers NLG Insurance Co to be Significantly Undervalued.

Key valuation signals for XNEP:NLG:

  • E10: NPR12.10
  • GF Value™: NPR874.86 vs. price of NPR585.00 (33.1% below fair value)
  • GF Score™: 84/100 with 2 warning signs

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


NLG Insurance Co Business Description

Address Lazimpat, Kathmandu, NPL
NLG Insurance Co Ltd is a composite insurance company. It provides non-life insurance products. The company's offerings include Motor, Property, Engineering, Marine, Aviation, Agriculture, and Miscellaneous Insurance.
84GF Score

Get the complete analysis for XNEP:NLG

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

NPR585.00
Price
NPR874.86
GF Value