Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) E10: NPR27.00 (As of Apr. 2026)

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XNEP:NUBL Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
79 GF Score
Price NPR574.00
GF Value NPR616.61
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Nirdhan Utthan Laghubitta Bittiyanstha E10?

Nirdhan Utthan Laghubitta Bittiyanstha XNEP:NUBL 79 E10 is NPR27.00 as of Apr. 2026. GuruFocus rates XNEP:NUBL with a GF Score™ of 79/100 and a GF Value™ of NPR616.61 (Fairly Valued). 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.

Nirdhan Utthan Laghubitta Bittiyanstha's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR1.286. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR27.00 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Nirdhan Utthan Laghubitta Bittiyanstha's average E10 Growth Rate was 4.60% 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 (2026-08-29), Nirdhan Utthan Laghubitta Bittiyanstha's current stock price is NPR574.00. Nirdhan Utthan Laghubitta Bittiyanstha's E10 for the quarter that ended in Apr. 2026 was NPR27.00. Nirdhan Utthan Laghubitta Bittiyanstha's Shiller PE Ratio of today is 21.26.

During the past 13 years, the highest Shiller PE Ratio of Nirdhan Utthan Laghubitta Bittiyanstha was 32.69. The lowest was 21.08. And the median was 26.05.


Nirdhan Utthan Laghubitta Bittiyanstha  (XNEP:NUBL) 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.

Nirdhan Utthan Laghubitta Bittiyanstha's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=574.00/27.00
=21.26

* 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 Nirdhan Utthan Laghubitta Bittiyanstha was 32.69. The lowest was 21.08. And the median was 26.05.


Be Aware

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


Nirdhan Utthan Laghubitta Bittiyanstha E10 Related Terms


Nirdhan Utthan Laghubitta Bittiyanstha E10 Historical Data

* Premium members only.

The historical data trend for Nirdhan Utthan Laghubitta 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.

Nirdhan Utthan Laghubitta Bittiyanstha E10 Chart

Nirdhan Utthan Laghubitta 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 25.20 26.87

Nirdhan Utthan Laghubitta 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 25.82 26.87 27.08 26.79 27.00

Nirdhan Utthan Laghubitta Bittiyanstha E10 Competitor Comparison

For the Banks - Regional subindustry, Nirdhan Utthan Laghubitta 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.


Nirdhan Utthan Laghubitta Bittiyanstha Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Nirdhan Utthan Laghubitta Bittiyanstha's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Nirdhan Utthan Laghubitta Bittiyanstha's Shiller PE Ratio falls into.


XNEP:NUBL
79GF Score
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nirdhan Utthan Laghubitta 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, Nirdhan Utthan Laghubitta 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)
=1.286/333.0200*333.0200
=1.286

Current CPI (Apr. 2026) = 333.0200.

Nirdhan Utthan Laghubitta Bittiyanstha Quarterly Data

per share eps CPI Adj_EPS
201607 5.540 240.628 7.667
201610 5.727 241.729 7.890
201701 5.259 242.839 7.212
201704 5.319 244.524 7.244
201707 4.533 244.786 6.167
201710 4.576 246.663 6.178
201801 5.247 247.867 7.050
201804 4.730 250.546 6.287
201807 5.251 252.006 6.939
201810 5.498 252.885 7.240
201901 6.652 251.712 8.801
201904 7.087 255.548 9.235
201907 6.782 256.571 8.803
201910 7.888 257.346 10.208
202001 6.848 257.971 8.840
202004 2.519 256.389 3.272
202007 -1.859 259.101 -2.389
202010 -9.012 260.388 -11.526
202101 17.951 261.582 22.853
202104 31.052 267.054 38.722
202107 13.422 273.003 16.373
202110 9.532 276.589 11.477
202201 7.788 281.148 9.225
202204 11.255 289.109 12.964
202207 -2.286 296.276 -2.570
202210 1.410 298.012 1.576
202301 5.905 299.170 6.573
202304 -4.540 303.363 -4.984
202307 4.590 305.691 5.000
202310 -5.210 307.671 -5.639
202401 6.147 308.417 6.637
202404 5.479 313.548 5.819
202407 3.296 314.540 3.490
202410 -0.714 315.664 -0.753
202501 5.673 317.671 5.947
202504 12.563 320.795 13.042
202507 12.962 323.048 13.362
202510 4.600 0.000
202601 -0.235 325.252 -0.241
202604 1.286 333.020 1.286

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 NPR27.00 mean?
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a E10 of NPR27.00 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors.
Is Nirdhan Utthan Laghubitta Bittiyanstha's E10 too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current E10 is NPR27.00. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's E10 compare to competitors?
Nirdhan Utthan Laghubitta Bittiyanstha's E10 of NPR27.00 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 Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. Nirdhan Utthan Laghubitta Bittiyanstha's current E10 is NPR27.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR616.61, compared to a current price of NPR574.00 — trading 6.9% below its estimated fair value. The current E10 is NPR27.00. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 79/100 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current E10 is NPR27.00 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?

Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61. GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.

Key valuation signals for XNEP:NUBL:

  • E10: NPR27.00
  • GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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


Nirdhan Utthan Laghubitta Bittiyanstha Business Description

Address Nirdhan Bhawan Bhagwatibahal, Naxal -01, Kathmandu, NPL
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
79GF Score

Get the complete analysis for XNEP:NUBL

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

NPR574.00
Price
NPR616.61
GF Value