NMB Microfinance Bittiyanstha (XNEP:NMBMF) E10: NPR22.36 (As of Apr. 2026)


XNEP:NMBMF NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
53 GF Score
Price NPR617.00
GF Value NPR2,185.75
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is NMB Microfinance Bittiyanstha E10?

NMB Microfinance Bittiyanstha XNEP:NMBMF -1.58% 53 E10 is NPR22.36 as of Apr. 2026. GuruFocus rates XNEP:NMBMF with a GF Score™ of 53/100 and a GF Value™ of NPR2,185.75 (Possible Value Trap). 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.

NMB Microfinance Bittiyanstha's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR28.900. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR22.36 for the trailing ten years ended in Apr. 2026.

During the past 12 months, NMB Microfinance Bittiyanstha's average E10 Growth Rate was 11.40% 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 (2026-07-04), NMB Microfinance Bittiyanstha's current stock price is NPR617.00. NMB Microfinance Bittiyanstha's E10 for the quarter that ended in Apr. 2026 was NPR22.36. NMB Microfinance Bittiyanstha's Shiller PE Ratio of today is 27.59.

During the past 11 years, the highest Shiller PE Ratio of NMB Microfinance Bittiyanstha was 41.79. The lowest was 27.82. And the median was 34.09.


NMB Microfinance Bittiyanstha  (XNEP:NMBMF) 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.

NMB Microfinance Bittiyanstha's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=617.00/22.36
=27.59

* 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 11 years, the highest Shiller P/E Ratio of NMB Microfinance Bittiyanstha was 41.79. The lowest was 27.82. And the median was 34.09.


Be Aware

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


NMB Microfinance Bittiyanstha E10 Related Terms


NMB Microfinance Bittiyanstha E10 Historical Data

* Premium members only.

The historical data trend for NMB Microfinance Bittiyanstha'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.

NMB Microfinance Bittiyanstha E10 Chart

NMB Microfinance Bittiyanstha 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 20.16

NMB Microfinance Bittiyanstha 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 20.08 20.16 20.23 20.37 22.36

XNEP:NMBMF vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, NMB Microfinance Bittiyanstha'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.


NMB Microfinance Bittiyanstha Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where NMB Microfinance Bittiyanstha's Shiller PE Ratio falls into.


XNEP:NMBMF
53GF Score
NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NMB Microfinance Bittiyanstha 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, NMB Microfinance Bittiyanstha'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)
=28.9/333.0200*333.0200
=28.900

Current CPI (Apr. 2026) = 333.0200.

NMB Microfinance Bittiyanstha Quarterly Data

per share eps CPI Adj_EPS
201607 11.158 240.628 15.442
201610 11.274 241.729 15.532
201701 13.350 242.839 18.308
201704 17.288 244.524 23.545
201707 4.920 244.786 6.693
201710 4.295 246.663 5.799
201801 4.519 247.867 6.071
201804 1.765 250.546 2.346
201807 4.230 252.006 5.590
201810 0.395 252.885 0.520
201901 3.612 251.712 4.779
201904 8.910 255.548 11.611
201907 10.387 256.571 13.482
201910 5.933 257.346 7.678
202001 13.111 257.971 16.925
202004 -1.200 256.389 -1.559
202007 2.029 259.101 2.608
202010 4.331 260.388 5.539
202101 6.353 261.582 8.088
202104 6.863 267.054 8.558
202107 9.844 273.003 12.008
202110 4.499 276.589 5.417
202201 5.561 281.148 6.587
202204 -5.408 289.109 -6.229
202207 14.100 296.276 15.849
202210 -5.230 298.012 -5.844
202301 5.340 299.170 5.944
202304 1.560 303.363 1.713
202307 -8.140 305.691 -8.868
202310 -26.250 307.671 -28.413
202401 -11.210 308.417 -12.104
202404 -4.090 313.548 -4.344
202407 2.288 314.540 2.422
202410 3.970 315.664 4.188
202501 3.770 317.671 3.952
202504 5.900 320.795 6.125
202507 5.034 323.048 5.189
202510 7.060 0.000
202601 6.150 325.252 6.297
202604 28.900 333.020 28.900

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 NPR22.36 mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a E10 of NPR22.36 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on NMB Microfinance Bittiyanstha and its competitors.
Is NMB Microfinance Bittiyanstha's E10 too high?
NMB Microfinance Bittiyanstha's current E10 is NPR22.36. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's E10 compare to V and MA?
NMB Microfinance Bittiyanstha's E10 of NPR22.36 can be compared against companies in the Credit Services 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 Credit Services company?
A good E10 depends on the Credit Services 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 NMB Microfinance Bittiyanstha and its competitors. NMB Microfinance Bittiyanstha's current E10 is NPR22.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,185.75, compared to a current price of NPR617.00 — trading 71.8% below its estimated fair value. The current E10 is NPR22.36. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current E10 is NPR22.36 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued. The current stock price of NPR617.00 is trading 71.8% below its estimated GF Value™ of NPR2,185.75. GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:NMBMF:

  • E10: NPR22.36
  • GF Value™: NPR2,185.75 vs. price of NPR617.00 (71.8% below fair value)
  • GF Score™: 53/100 with 2 warning signs

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


NMB Microfinance Bittiyanstha Business Description

Address Street 3, New Road, Zenex Plaza, Kaski, Pokhara, NPL
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score

Get the complete analysis for XNEP:NMBMF

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

NPR617.00
Price
NPR2,185.75
GF Value