United Ajod Insurance (XNEP:UAIL) E10: NPR2.52 (As of Apr. 2026)

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Director of Data and Quant Analytics at GuruFocus
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XNEP:UAIL United Ajod Insurance Ltd XNEP:UAIL
83 GF Score
Price NPR435.60
GF Value NPR870.76
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is United Ajod Insurance E10?

United Ajod Insurance XNEP:UAIL -0.11% 83 E10 is NPR2.52 as of Apr. 2026. GuruFocus rates XNEP:UAIL with a GF Score™ of 83/100 and a GF Value™ of NPR870.76 (Significantly Undervalued). The stock has 3 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.

United Ajod Insurance's adjusted earnings per share data for the three months ended in Apr. 2026 was NPR1.682. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is NPR2.52 for the trailing ten years ended in Apr. 2026.

During the past 12 months, United Ajod Insurance's average E10 Growth Rate was -59.40% 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 (2026-08-15), United Ajod Insurance's current stock price is NPR435.60. United Ajod Insurance's E10 for the quarter that ended in Apr. 2026 was NPR2.52. United Ajod Insurance's Shiller PE Ratio of today is 172.86.

During the past 13 years, the highest Shiller PE Ratio of United Ajod Insurance was 188.85. The lowest was 59.96. And the median was 90.48.


United Ajod Insurance  (XNEP:UAIL) 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.

United Ajod Insurance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=435.60/2.52
=172.86

* 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 United Ajod Insurance was 188.85. The lowest was 59.96. And the median was 90.48.


Be Aware

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


United Ajod Insurance E10 Related Terms


United Ajod Insurance E10 Historical Data

* Premium members only.

The historical data trend for United Ajod Insurance'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.

United Ajod Insurance E10 Chart

United Ajod Insurance 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 5.16 6.10 5.41

United Ajod Insurance 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 6.20 5.41 2.74 2.70 2.52

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

For the Insurance - Diversified subindustry, United Ajod Insurance'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.


United Ajod Insurance Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where United Ajod Insurance's Shiller PE Ratio falls into.


XNEP:UAIL
83GF Score
United Ajod Insurance Ltd XNEP:UAIL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Ajod Insurance 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, United Ajod Insurance'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)
=1.682/333.0200*333.0200
=1.682

Current CPI (Apr. 2026) = 333.0200.

United Ajod Insurance Quarterly Data

per share eps CPI Adj_EPS
201607 -73.963 240.628 -102.362
201610 4.337 241.729 5.975
201701 5.946 242.839 8.154
201704 1.546 244.524 2.106
201707 22.163 244.786 30.152
201710 1.542 246.663 2.082
201801 2.722 247.867 3.657
201804 5.376 250.546 7.146
201807 4.397 252.006 5.811
201810 1.172 252.885 1.543
201901 0.652 251.712 0.863
201904 6.089 255.548 7.935
201907 -5.585 256.571 -7.249
201910 1.010 257.346 1.307
202001 1.112 257.971 1.436
202004 -0.852 256.389 -1.107
202007 0.431 259.101 0.554
202010 0.861 260.388 1.101
202101 1.354 261.582 1.724
202104 2.035 267.054 2.538
202107 4.233 273.003 5.164
202110 0.962 276.589 1.158
202201 3.876 281.148 4.591
202204 3.406 289.109 3.923
202207 4.513 296.276 5.073
202210 4.679 298.012 5.229
202301 4.053 299.170 4.512
202304 7.946 303.363 8.723
202307 2.340 305.691 2.549
202310 7.796 307.671 8.438
202401 4.255 308.417 4.594
202404 6.499 313.548 6.903
202407 5.071 314.540 5.369
202410 -3.318 315.664 -3.500
202501 4.010 317.671 4.204
202504 2.120 320.795 2.201
202507 4.580 323.048 4.721
202510 -25.104 0.000
202601 2.035 325.252 2.084
202604 1.682 333.020 1.682

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 NPR2.52 mean?
United Ajod Insurance (XNEP:UAIL) has a E10 of NPR2.52 as of Apr. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on United Ajod Insurance and its competitors.
Is United Ajod Insurance's E10 too high?
United Ajod Insurance's current E10 is NPR2.52. Overall, United Ajod Insurance has a GF Score™ of 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Ajod Insurance's E10 compare to BRK.A and AIG?
United Ajod Insurance's E10 of NPR2.52 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 United Ajod Insurance and its competitors. United Ajod Insurance's current E10 is NPR2.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Ajod Insurance stock overvalued right now?
Based on GuruFocus' analysis, United Ajod Insurance (XNEP:UAIL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR870.76, compared to a current price of NPR435.60 — trading 50% below its estimated fair value. The current E10 is NPR2.52. United Ajod Insurance's overall GF Score™ is 83/100 with 3 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 United Ajod Insurance (XNEP:UAIL), the current E10 is NPR2.52 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 United Ajod Insurance (XNEP:UAIL) Overvalued in 2026?

Based on GuruFocus' analysis, United Ajod Insurance stock appears to be undervalued. The current stock price of NPR435.60 is trading 50% below its estimated GF Value™ of NPR870.76. GuruFocus considers United Ajod Insurance to be Significantly Undervalued.

Key valuation signals for XNEP:UAIL:

  • E10: NPR2.52
  • GF Value™: NPR870.76 vs. price of NPR435.60 (50% below fair value)
  • GF Score™: 83/100 with 3 warning signs

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


United Ajod Insurance Business Description

Address Bagdurbar Marga, CTC Mall 7th Floor, Sundhara, Kathmandu, NPL
United Ajod Insurance Ltd provides insurance services in Nepal. It provides various insurance products such as fire insurance, motor insurance, marine cargo insurance, engineering insurance and micro insurance, miscellaneous insurance, and travel medical insurance.
83GF Score

Get the complete analysis for XNEP:UAIL

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

NPR435.60
Price
NPR870.76
GF Value