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Shine Resunga Development BankXNEP:SHINE 96 Cyclically Adjusted PB Ratio is 3.39 as of Sep. 05, 2026, which is 8% below its 10-year median of 3.68. GuruFocus rates XNEP:SHINE with a GF Score™ of 96/100 and a GF Value™ of NPR476.75 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,274 Banks companies, Shine Resunga Development Bank ranks worse than 94.43% on this metric.
The historical rank and industry rank for Shine Resunga Development Bank's Cyclically Adjusted PB Ratio or its related term are showing as below:
XNEP:SHINE'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 2.61 Med: 3.68 Max: 5.69
Current: 3.39
During the past years, Shine Resunga Development Bank's highest Cyclically Adjusted PB Ratio was 5.69. The lowest was 2.61. And the median was 3.68.
XNEP:SHINE's Cyclically Adjusted PB Ratio is ranked worse than 94.43% of 1274
companies
in the Banks industry
Industry Median: 1.29
vs XNEP:SHINE: 3.39
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Shine Resunga Development Bank's adjusted book value per share data for the three months ended in Apr. 2026 was NPR157.646. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is NPR120.59 for the trailing ten years ended in Apr. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Shine Resunga Development Bank (XNEP:SHINE) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Shine Resunga Development Bank Cyclically Adjusted PB Ratio Related Terms
Shine Resunga Development Bank Cyclically Adjusted PB Ratio Historical Data
* 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.
Shine Resunga Development Bank Cyclically Adjusted PB Ratio Chart
Shine Resunga Development Bank Cyclically Adjusted PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Shine Resunga Development Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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.
Shine Resunga Development Bank Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Shine Resunga Development Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Shine Resunga Development Bank's Cyclically Adjusted PB Ratio falls into.
Shine Resunga Development Bank Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 3.39 mean?
Shine Resunga Development Bank (XNEP:SHINE) has a Cyclically Adjusted PB Ratio of 3.39 as of Sep. 05, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Shine Resunga Development Bank and its competitors. This is near median its historical median of 3.68. Over the past decade, Shine Resunga Development Bank's Cyclically Adjusted PB Ratio has ranged from 2.61 to 5.69. According to the industry distribution chart, Shine Resunga Development Bank ranks #1203 out of 1274 companies in the Banks industry, placing it in the top 94.4%.
Is Shine Resunga Development Bank's Cyclically Adjusted PB Ratio too high?
Shine Resunga Development Bank's current Cyclically Adjusted PB Ratio of 3.39 is near median its 10-year median of 3.68. Over the past 10 years, this metric has ranged from a low of 2.61 to a high of 5.69. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Shine Resunga Development Bank's value of 3.39 is 162.8% above this industry median. Based on the distribution chart, Shine Resunga Development Bank ranks #1203 out of 1274 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Shine Resunga Development Bank has a GF Score™ of 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shine Resunga Development Bank's Cyclically Adjusted PB Ratio compare to competitors?
According to the Banks industry distribution chart, Shine Resunga Development Bank ranks #1203 out of 1274 companies for Cyclically Adjusted PB Ratio. This places Shine Resunga Development Bank in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Shine Resunga Development Bank's value of 3.39 is 162.8% above this benchmark. Historically, Shine Resunga Development Bank's own Cyclically Adjusted PB Ratio has ranged from 2.61 to 5.69 over the past decade. While the company's 10-year median is 3.68 vs. the industry median of 1.29, Shine Resunga Development Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,274 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shine Resunga Development Bank's current Cyclically Adjusted PB Ratio of 3.39 is 162.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Shine Resunga Development Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shine Resunga Development Bank's current Cyclically Adjusted PB Ratio is 3.39, which is near median its own 10-year median of 3.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shine Resunga Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Shine Resunga Development Bank (XNEP:SHINE) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR476.75, compared to a current price of NPR408.90 — trading 14.2% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 3.39, which is near median its 10-year median of 3.68 and 162.8% above the Banks industry median of 1.29. Shine Resunga Development Bank's overall GF Score™ is 96/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Shine Resunga Development Bank (XNEP:SHINE), the current Cyclically Adjusted PB Ratio is 3.39 as of Sep. 05, 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 Shine Resunga Development Bank (XNEP:SHINE) Overvalued in 2026?
Based on GuruFocus' analysis, Shine Resunga Development Bank stock appears to be undervalued.
The current stock price of NPR408.90 is trading 14.2% below its estimated GF Value™ of NPR476.75.
GuruFocus considers Shine Resunga Development Bank to be Modestly Undervalued.
Key valuation signals for XNEP:SHINE:
Cyclically Adjusted PB Ratio: 3.39 (near median its 10-year median of 3.68)
GF Value™: NPR476.75 vs. price of NPR408.90 (14.2% below fair value)
Industry Position: 162.8% above the Banks median (#1203 of 1274)
No single metric tells the full story. See the XNEP:SHINE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shine Resunga Development Bank Ltd is a regional development bank in Nepal. The company offers products and services including saving deposits, fixed deposits, call current, business loans, consumer loans, and others. The maximum revenue from Nepal itself is from Lumbini Province.
96GF Score
Get the complete analysis for XNEP:SHINE
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