Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Cyclically Adjusted PS Ratio: 5.55 (As of Sep. 03, 2026) — 16% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:SWBBL Swabalamban Laghubitta Bittiya Sanstha Ltd XNEP:SWBBL
88 GF Score
Price NPR670.00
GF Value NPR774.23
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio?

Swabalamban Laghubitta Bittiyanstha XNEP:SWBBL -0.45% 88 Cyclically Adjusted PS Ratio is 5.55 as of Sep. 03, 2026, which is 16% below its 10-year median of 6.59. GuruFocus rates XNEP:SWBBL with a GF Score™ of 88/100 and a GF Value™ of NPR774.23 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,302 Banks companies, Swabalamban Laghubitta Bittiyanstha ranks worse than 82.18% on this metric.

As of today (2026-09-03), Swabalamban Laghubitta Bittiyanstha's current share price is NPR670.00. Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted Revenue per Share for the quarter that ended in Jul. 2026 was NPR120.68. Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio for today is 5.55.

The historical rank and industry rank for Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio or its related term are showing as below:

XNEP:SWBBL' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 5.22   Med: 6.59   Max: 9.63
Current: 5.54

During the past years, Swabalamban Laghubitta Bittiyanstha's highest Cyclically Adjusted PS Ratio was 9.63. The lowest was 5.22. And the median was 6.59.

XNEP:SWBBL's Cyclically Adjusted PS Ratio is ranked worse than
82.18% of 1302 companies
in the Banks industry
Industry Median: 3.42 vs XNEP:SWBBL: 5.54

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Swabalamban Laghubitta Bittiyanstha's adjusted revenue per share data for the three months ended in Jul. 2026 was NPR42.691. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is NPR120.68 for the trailing ten years ended in Jul. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Swabalamban Laghubitta Bittiyanstha  (XNEP:SWBBL) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio Related Terms


Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio 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.

Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio Chart

Swabalamban Laghubitta Bittiyanstha Annual Data
Trend Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25 Jul26
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 6.40 8.23 8.14 5.65

Swabalamban Laghubitta Bittiyanstha Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
Cyclically Adjusted PS Ratio 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 8.14 6.83 6.56 6.08 5.65

Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio falls into.


XNEP:SWBBL
88GF Score
Swabalamban Laghubitta Bittiya Sanstha Ltd XNEP:SWBBL
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Swabalamban Laghubitta Bittiyanstha Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=670.00/120.68
=5.55

* 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.

Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted Revenue per Share for the quarter that ended in Jul. 2026 is calculated as:

For example, Swabalamban Laghubitta Bittiyanstha's adjusted Revenue per Share data for the three months ended in Jul. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jul. 2026 (Change)*Current CPI (Jul. 2026)
=42.691/333.9180*333.9180
=42.691

Current CPI (Jul. 2026) = 333.9180.

Swabalamban Laghubitta Bittiyanstha Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201607 19.307 240.628 26.792
201610 17.884 241.729 24.704
201704 0.000 244.524 0.000
201707 16.079 244.786 21.934
201710 17.629 246.663 23.865
201801 17.163 247.867 23.121
201804 14.714 250.546 19.610
201807 16.710 252.006 22.141
201810 17.257 252.885 22.787
201901 18.200 251.712 24.144
201904 20.193 255.548 26.386
201907 23.200 256.571 30.194
201910 23.308 257.346 30.243
202001 23.612 257.971 30.563
202004 13.748 256.389 17.905
202007 26.154 259.101 33.706
202010 22.447 260.388 28.786
202101 22.086 261.582 28.194
202104 29.159 267.054 36.460
202107 33.843 273.003 41.394
202110 28.230 276.589 34.081
202201 27.932 281.148 33.175
202204 17.694 289.109 20.436
202207 43.041 296.276 48.509
202210 32.652 298.012 36.586
202301 24.025 299.170 26.815
202304 26.298 303.363 28.947
202307 34.070 305.691 37.216
202310 32.698 307.671 35.487
202401 23.499 308.417 25.442
202404 25.617 313.548 27.281
202407 29.752 314.540 31.585
202410 26.984 315.664 28.544
202501 26.955 317.671 28.334
202504 33.942 320.795 35.330
202507 42.961 323.048 44.407
202510 35.806 0.000
202601 28.336 325.252 29.091
202604 32.855 333.020 32.944
202607 42.691 333.918 42.691

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

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 PS Ratio of 5.55 mean?
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a Cyclically Adjusted PS Ratio of 5.55 as of Sep. 03, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Swabalamban Laghubitta Bittiyanstha and its competitors. This is 16% below median its historical median of 6.59. Over the past decade, Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio has ranged from 5.22 to 9.63. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1070 out of 1302 companies in the Banks industry, placing it in the top 82.2%.
Is Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio too high?
Swabalamban Laghubitta Bittiyanstha's current Cyclically Adjusted PS Ratio of 5.55 is 16% below median its 10-year median of 6.59. Over the past 10 years, this metric has ranged from a low of 5.22 to a high of 9.63. The Banks industry median Cyclically Adjusted PS Ratio is 3.42. Swabalamban Laghubitta Bittiyanstha's value of 5.55 is 62.3% above this industry median. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1070 out of 1302 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's Cyclically Adjusted PS Ratio compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1070 out of 1302 companies for Cyclically Adjusted PS Ratio. This places Swabalamban Laghubitta Bittiyanstha in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.42. Swabalamban Laghubitta Bittiyanstha's value of 5.55 is 62.3% above this benchmark. Historically, Swabalamban Laghubitta Bittiyanstha's own Cyclically Adjusted PS Ratio has ranged from 5.22 to 9.63 over the past decade. While the company's 10-year median is 6.59 vs. the industry median of 3.42, Swabalamban Laghubitta Bittiyanstha 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 PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.42, based on 1,302 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swabalamban Laghubitta Bittiyanstha's current Cyclically Adjusted PS Ratio of 5.55 is 62.3% 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Swabalamban Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swabalamban Laghubitta Bittiyanstha's current Cyclically Adjusted PS Ratio is 5.55, which is 16% below median its own 10-year median of 6.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swabalamban Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR774.23, compared to a current price of NPR670.00 — trading 13.5% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 5.55, which is 16% below median its 10-year median of 6.59 and 62.3% above the Banks industry median of 3.42. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current Cyclically Adjusted PS Ratio is 5.55 as of Sep. 03, 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR670.00 is trading 13.5% below its estimated GF Value™ of NPR774.23. GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.

Key valuation signals for XNEP:SWBBL:

  • Cyclically Adjusted PS Ratio: 5.55 (16% below median its 10-year median of 6.59)
  • GF Value™: NPR774.23 vs. price of NPR670.00 (13.5% below fair value)
  • GF Score™: 88/100 with 3 warning signs
  • Industry Position: 62.3% above the Banks median (#1070 of 1302)

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


Swabalamban Laghubitta Bittiyanstha Business Description

Address KamalPokhari street, Kathmandu, NPL, 44600
Swabalamban Laghubitta Bittiya Sanstha Ltd is a microfinance development bank in Nepal that provides sustainable financial services, prominently microcredit and savings products. The company's offerings include loans, savings, Insurance Services, Interest Rates, and Credit Plus Activities. The primary objective of the company is to provide the disadvantaged section of the rural poor with easy access to credit. The company has identified seven segments: Koshi Province, Madesh Province, Bagmati Province, Gandaki Province, Lumbini Province, Karnali Province and Sudurpaschim Province. The majority of interest revenue is derived from the Madesh Province.
88GF Score

Get the complete analysis for XNEP:SWBBL

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

NPR670.00
Price
NPR774.23
GF Value