Sagarmatha Lumbini Insurance Co (XNEP:SALICO) E10: NPR33.54 (As of Apr. 2026)

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XNEP:SALICO Sagarmatha Lumbini Insurance Co Ltd XNEP:SALICO
82 GF Score
Price NPR598.00
GF Value NPR941.69
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Sagarmatha Lumbini Insurance Co E10?

Sagarmatha Lumbini Insurance Co XNEP:SALICO -0.27% 82 E10 is NPR33.54 as of Apr. 2026. GuruFocus rates XNEP:SALICO with a GF Score™ of 82/100 and a GF Value™ of NPR941.69 (Possible Value Trap). The stock has 4 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.

Sagarmatha Lumbini Insurance Co's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR3.655. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR33.54 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Sagarmatha Lumbini Insurance Co's average E10 Growth Rate was -13.40% 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 (2026-08-06), Sagarmatha Lumbini Insurance Co's current stock price is NPR598.00. Sagarmatha Lumbini Insurance Co's E10 for the quarter that ended in Apr. 2026 was NPR33.54. Sagarmatha Lumbini Insurance Co's Shiller PE Ratio of today is 17.83.

During the past 13 years, the highest Shiller PE Ratio of Sagarmatha Lumbini Insurance Co was 19.40. The lowest was 15.06. And the median was 18.05.


Sagarmatha Lumbini Insurance Co  (XNEP:SALICO) 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.

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

Shiller PE Ratio=Share Price/E10
=598.00/33.54
=17.83

* 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 Sagarmatha Lumbini Insurance Co was 19.40. The lowest was 15.06. And the median was 18.05.


Be Aware

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


Sagarmatha Lumbini Insurance Co E10 Related Terms


Sagarmatha Lumbini Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Sagarmatha Lumbini 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.

Sagarmatha Lumbini Insurance Co E10 Chart

Sagarmatha Lumbini 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 38.99

Sagarmatha Lumbini Insurance Co Quarterly Data
Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 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 38.71 38.76 38.99 33.25 33.54

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

For the Insurance - Diversified subindustry, Sagarmatha Lumbini 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.


Sagarmatha Lumbini Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


XNEP:SALICO
82GF Score
Sagarmatha Lumbini Insurance Co Ltd XNEP:SALICO
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagarmatha Lumbini 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, Sagarmatha Lumbini 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)
=3.655/333.0200*333.0200
=3.655

Current CPI (Apr. 2026) = 333.0200.

Sagarmatha Lumbini Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201307 0.000 233.596 0.000
201407 0.000 238.250 0.000
201507 0.000 238.654 0.000
201607 0.000 240.628 0.000
201610 2.518 241.729 3.469
201707 0.000 244.786 0.000
201710 2.181 246.663 2.945
201801 2.507 247.867 3.368
201804 6.669 250.546 8.864
201807 23.200 252.006 30.658
201810 2.464 252.885 3.245
201901 3.199 251.712 4.232
201904 5.805 255.548 7.565
201907 24.600 256.571 31.930
201910 3.347 257.346 4.331
202001 3.585 257.971 4.628
202004 4.684 256.389 6.084
202007 14.005 259.101 18.000
202010 3.712 260.388 4.747
202101 8.113 261.582 10.329
202104 7.218 267.054 9.001
202107 10.805 273.003 13.180
202110 4.116 276.589 4.956
202201 7.738 281.148 9.166
202204 7.304 289.109 8.413
202207 5.584 296.276 6.277
202210 8.880 298.012 9.923
202301 38.310 299.170 42.645
202304 28.370 303.363 31.143
202307 0.951 305.691 1.036
202310 8.700 307.671 9.417
202401 21.930 308.417 23.679
202404 10.469 313.548 11.119
202407 -0.550 314.540 -0.582
202410 -13.650 315.664 -14.401
202501 4.900 317.671 5.137
202504 7.096 320.795 7.366
202507 9.468 323.048 9.760
202510 -40.780 0.000
202604 3.655 333.020 3.655

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 NPR33.54 mean?
Sagarmatha Lumbini Insurance Co (XNEP:SALICO) has a E10 of NPR33.54 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sagarmatha Lumbini Insurance Co and its competitors.
Is Sagarmatha Lumbini Insurance Co's E10 too high?
Sagarmatha Lumbini Insurance Co's current E10 is NPR33.54. Overall, Sagarmatha Lumbini Insurance Co has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sagarmatha Lumbini Insurance Co's E10 compare to BRK.A and AIG?
Sagarmatha Lumbini Insurance Co's E10 of NPR33.54 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 Sagarmatha Lumbini Insurance Co and its competitors. Sagarmatha Lumbini Insurance Co's current E10 is NPR33.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagarmatha Lumbini Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co (XNEP:SALICO) is currently considered Possible Value Trap. The stock's GF Value™ is NPR941.69, compared to a current price of NPR598.00 — trading 36.5% below its estimated fair value. The current E10 is NPR33.54. Sagarmatha Lumbini Insurance Co's overall GF Score™ is 82/100 with 4 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO), the current E10 is NPR33.54 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO) Overvalued in 2026?

Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co stock appears to be undervalued. The current stock price of NPR598.00 is trading 36.5% below its estimated GF Value™ of NPR941.69. GuruFocus considers Sagarmatha Lumbini Insurance Co to be Possible Value Trap.

Key valuation signals for XNEP:SALICO:

  • E10: NPR33.54
  • GF Value™: NPR941.69 vs. price of NPR598.00 (36.5% below fair value)
  • GF Score™: 82/100 with 4 warning signs

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


Sagarmatha Lumbini Insurance Co Business Description

Address Bhagwati Marg, Naxal, Surakshan Bhawan, Naxal, Kathmandu, NPL
Sagarmatha Lumbini Insurance Co Ltd provides various non-life insurance products through its province offices, branches, sub-branches, and network of agents. The company's offerings include personal and corporate insurance solutions, including property, motor, marine, engineering, aviation, agriculture, and micro insurance. The majority of the company's revenue is generated from property insurance. The company operates predominantly in Nepal.
82GF Score

Get the complete analysis for XNEP:SALICO

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

NPR598.00
Price
NPR941.69
GF Value