Sanima Bank (XNEP:SANIMA) E10: NPR22.15 (As of Apr. 2026)

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XNEP:SANIMA Sanima Bank Ltd XNEP:SANIMA
98 GF Score
Price NPR369.00
GF Value NPR382.38
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Sanima Bank E10?

Sanima Bank XNEP:SANIMA -0.22% 98 E10 is NPR22.15 as of Apr. 2026. GuruFocus rates XNEP:SANIMA with a GF Score™ of 98/100 and a GF Value™ of NPR382.38 (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.

Sanima Bank's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR7.160. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR22.15 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Sanima Bank's average E10 Growth Rate was 12.10% per year. During the past 3 years, the average E10 Growth Rate was 7.90% 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 Sanima Bank was 7.90% per year. The lowest was 7.90% per year. And the median was 7.90% per year.

As of today (2026-08-12), Sanima Bank's current stock price is NPR369.00. Sanima Bank's E10 for the quarter that ended in Apr. 2026 was NPR22.15. Sanima Bank's Shiller PE Ratio of today is 16.66.

During the past 13 years, the highest Shiller PE Ratio of Sanima Bank was 20.79. The lowest was 12.52. And the median was 15.32.


Sanima Bank  (XNEP:SANIMA) 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.

Sanima Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=369.00/22.15
=16.66

* 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 Sanima Bank was 20.79. The lowest was 12.52. And the median was 15.32.


Be Aware

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


Sanima Bank E10 Related Terms


Sanima Bank E10 Historical Data

* Premium members only.

The historical data trend for Sanima Bank'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.

Sanima Bank E10 Chart

Sanima Bank 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 16.09 16.90 18.16 20.20

Sanima Bank 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 19.76 20.20 21.18 21.45 22.15

Sanima Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Sanima Bank'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.


Sanima Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Sanima Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Sanima Bank's Shiller PE Ratio falls into.


XNEP:SANIMA
98GF Score
Sanima Bank Ltd XNEP:SANIMA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sanima Bank 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, Sanima Bank'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)
=7.16/333.0200*333.0200
=7.160

Current CPI (Apr. 2026) = 333.0200.

Sanima Bank Quarterly Data

per share eps CPI Adj_EPS
201607 4.762 240.628 6.590
201610 3.904 241.729 5.378
201701 5.080 242.839 6.967
201704 5.056 244.524 6.886
201707 3.187 244.786 4.336
201710 2.761 246.663 3.728
201801 3.381 247.867 4.543
201804 2.892 250.546 3.844
201807 3.678 252.006 4.860
201810 3.884 252.885 5.115
201901 3.439 251.712 4.550
201904 4.417 255.548 5.756
201907 5.040 256.571 6.542
201910 4.176 257.346 5.404
202001 4.135 257.971 5.338
202004 3.481 256.389 4.521
202007 0.039 259.101 0.050
202010 2.939 260.388 3.759
202101 5.155 261.582 6.563
202104 6.093 267.054 7.598
202107 3.507 273.003 4.278
202110 3.969 276.589 4.779
202201 3.829 281.148 4.535
202204 3.781 289.109 4.355
202207 3.786 296.276 4.256
202210 3.843 298.012 4.294
202301 5.593 299.170 6.226
202304 3.218 303.363 3.533
202307 6.666 305.691 7.262
202310 3.364 307.671 3.641
202401 4.907 308.417 5.298
202404 2.232 313.548 2.371
202407 7.188 314.540 7.610
202410 12.510 315.664 13.198
202501 5.694 317.671 5.969
202504 3.445 320.795 3.576
202507 6.984 323.048 7.200
202510 12.170 0.000
202601 6.975 325.252 7.142
202604 7.160 333.020 7.160

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 NPR22.15 mean?
Sanima Bank (XNEP:SANIMA) has a E10 of NPR22.15 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sanima Bank and its competitors.
Is Sanima Bank's E10 too high?
Sanima Bank's current E10 is NPR22.15. Overall, Sanima Bank has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sanima Bank's E10 compare to competitors?
Sanima Bank's E10 of NPR22.15 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 Sanima Bank and its competitors. Sanima Bank's current E10 is NPR22.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Bank stock overvalued right now?
Based on GuruFocus' analysis, Sanima Bank (XNEP:SANIMA) is currently considered Fairly Valued. The stock's GF Value™ is NPR382.38, compared to a current price of NPR369.00 — trading 3.5% below its estimated fair value. The current E10 is NPR22.15. Sanima Bank's overall GF Score™ is 98/100 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 Sanima Bank (XNEP:SANIMA), the current E10 is NPR22.15 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 Sanima Bank (XNEP:SANIMA) Overvalued in 2026?

Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued. The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38. GuruFocus considers Sanima Bank to be Fairly Valued.

Key valuation signals for XNEP:SANIMA:

  • E10: NPR22.15
  • GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
  • GF Score™: 98/100 with 2 warning signs

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


Sanima Bank Business Description

Address Alakapuri Building, Naxal, G.P.O. Box: 20394, Kathmandu, NPL, 20394
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score

Get the complete analysis for XNEP:SANIMA

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

NPR369.00
Price
NPR382.38
GF Value