Nepal Life Insurance Co (XNEP:NLIC) E10: NPR21.08 (As of Jul. 2026)

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XNEP:NLIC Nepal Life Insurance Co Ltd XNEP:NLIC
91 GF Score
Price NPR709.00
GF Value NPR813.72
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Nepal Life Insurance Co E10?

Nepal Life Insurance Co XNEP:NLIC +1.50% 91 E10 is NPR21.08 as of Jul. 2026. GuruFocus rates XNEP:NLIC with a GF Score™ of 91/100 and a GF Value™ of NPR813.72 (Modestly Undervalued). The stock has 5 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.

Nepal Life Insurance Co's adjusted earnings per share data for the three months ended in Jul. 2026 was NPR-0.180. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR21.08 for the trailing ten years ended in Jul. 2026.

During the past 12 months, Nepal Life Insurance Co's average E10 Growth Rate was -0.60% per year. During the past 3 years, the average E10 Growth Rate was 0.20% 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Nepal Life Insurance Co was 3.60% per year. The lowest was 0.20% per year. And the median was 1.90% per year.

As of today (2026-09-15), Nepal Life Insurance Co's current stock price is NPR709.00. Nepal Life Insurance Co's E10 for the quarter that ended in Jul. 2026 was NPR21.08. Nepal Life Insurance Co's Shiller PE Ratio of today is 33.63.

During the past 13 years, the highest Shiller PE Ratio of Nepal Life Insurance Co was 43.52. The lowest was 22.13. And the median was 32.58.


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

Shiller PE Ratio=Share Price/E10
=709.00/21.08
=33.63

* 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 Nepal Life Insurance Co was 43.52. The lowest was 22.13. And the median was 32.58.


Be Aware

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


Nepal Life Insurance Co E10 Related Terms


Nepal Life Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Nepal Life 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 Life Insurance Co E10 Chart

Nepal Life Insurance Co Annual Data
Trend Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25 Jul26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.08 20.96 20.43 21.21 21.08

Nepal Life Insurance Co Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
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 21.21 22.11 22.16 22.86 21.08

XNEP:NLIC vs MET, AFL, PRU: E10 Comparison

For the Insurance - Life subindustry, Nepal Life 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 Life Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


XNEP:NLIC
91GF Score
Nepal Life Insurance Co Ltd XNEP:NLIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nepal Life 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 Life Insurance Co's adjusted earnings per share data for the three months ended in Jul. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jul. 2026 (Change)*Current CPI (Jul. 2026)
=-0.18/333.9180*333.9180
=-0.180

Current CPI (Jul. 2026) = 333.9180.

Nepal Life Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201610 1.164 241.729 1.608
201701 1.858 242.839 2.555
201704 5.065 244.524 6.917
201707 8.221 244.786 11.214
201710 2.452 246.663 3.319
201801 1.413 247.867 1.904
201804 2.157 250.546 2.875
201807 9.356 252.006 12.397
201810 2.821 252.885 3.725
201901 1.055 251.712 1.400
201904 2.580 255.548 3.371
201907 9.878 256.571 12.856
201910 2.825 257.346 3.666
202001 2.024 257.971 2.620
202004 1.612 256.389 2.099
202007 10.031 259.101 12.928
202010 3.164 260.388 4.057
202101 2.775 261.582 3.542
202104 1.062 267.054 1.328
202107 11.005 273.003 13.461
202110 0.074 276.589 0.089
202201 1.302 281.148 1.546
202204 -3.429 289.109 -3.960
202207 2.421 296.276 2.729
202210 5.974 298.012 6.694
202301 4.944 299.170 5.518
202304 4.762 303.363 5.242
202307 16.466 305.691 17.986
202310 6.494 307.671 7.048
202401 6.076 308.417 6.578
202404 8.010 313.548 8.530
202407 -1.136 314.540 -1.206
202410 10.210 315.664 10.800
202501 6.760 317.671 7.106
202504 8.600 320.795 8.952
202507 -1.070 323.048 -1.106
202510 8.552 0.000
202601 5.690 325.252 5.842
202604 5.900 333.020 5.916
202607 -0.180 333.918 -0.180

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 NPR21.08 mean?
Nepal Life Insurance Co (XNEP:NLIC) has a E10 of NPR21.08 as of Jul. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nepal Life Insurance Co and its competitors.
Is Nepal Life Insurance Co's E10 too high?
Nepal Life Insurance Co's current E10 is NPR21.08. Overall, Nepal Life Insurance Co has a GF Score™ of 91/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nepal Life Insurance Co's E10 compare to MET and AFL?
Nepal Life Insurance Co's E10 of NPR21.08 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 Life Insurance Co and its competitors. Nepal Life Insurance Co's current E10 is NPR21.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Nepal Life Insurance Co (XNEP:NLIC) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR813.72, compared to a current price of NPR709.00 — trading 12.9% below its estimated fair value. The current E10 is NPR21.08. Nepal Life Insurance Co's overall GF Score™ is 91/100 with 5 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 Nepal Life Insurance Co (XNEP:NLIC), the current E10 is NPR21.08 as of Jul. 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 Life Insurance Co (XNEP:NLIC) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal Life Insurance Co stock appears to be undervalued. The current stock price of NPR709.00 is trading 12.9% below its estimated GF Value™ of NPR813.72. GuruFocus considers Nepal Life Insurance Co to be Modestly Undervalued.

Key valuation signals for XNEP:NLIC:

  • E10: NPR21.08
  • GF Value™: NPR813.72 vs. price of NPR709.00 (12.9% below fair value)
  • GF Score™: 91/100 with 5 warning signs

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


Nepal Life Insurance Co Business Description

Address Kamaladi, Baluwatar Complex, Kathmandu, NPL
Nepal Life Insurance Co Ltd is a Nepal based life insurance company. The company's operating segments include Endowment Life, Money Back, Jeevan Sahara, Jeevan Sarathi, and Term Life Insurance Policy. Company includes various product's like Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana, Sunaulo Bhabisya Jeevan Beema Yojana, Jeevan Unnati Beema Yojana, Naulo Jeevan Sambriddhi Jeevan Beema Yojana, Anmol Jeevan Beema Yojana, iEnsure Jeevan Beema Yojana, Gramin Sawadhik Jeevan Beema Yojana and many more.
91GF Score

Get the complete analysis for XNEP:NLIC

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

NPR709.00
Price
NPR813.72
GF Value