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.
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.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Prime Commercial Bank's Debt-to-Equity or its related term are showing as below:
XNEP:PCBL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.32 Max: 0.61
Current: 0.3
During the past 13 years, the highest Debt-to-Equity Ratio of Prime Commercial Bank was 0.61. The lowest was 0.00. And the median was 0.32.
XNEP:PCBL's Debt-to-Equity is ranked better than 68.79% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs XNEP:PCBL: 0.30
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Prime Commercial Bank Debt-to-Equity Related Terms
Prime Commercial Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Prime Commercial Bank's Debt-to-Equity 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.
Prime Commercial Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Prime Commercial Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Prime Commercial Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Prime Commercial Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Prime Commercial Bank's Debt-to-Equity falls into.
* 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.
Prime Commercial Bank (XNEP:PCBL) has a Debt-to-Equity of 0.30 as of Apr. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Prime Commercial Bank and its competitors. This is near median its historical median of 0.32. According to the industry distribution chart, Prime Commercial Bank ranks #440 out of 1410 companies in the Banks industry, placing it in the top 31.2%.
Is Prime Commercial Bank's Debt-to-Equity too high?
Prime Commercial Bank's current Debt-to-Equity of 0.30 is near median its 10-year median of 0.32. The Banks industry median Debt-to-Equity is 0.58. Prime Commercial Bank's value of 0.30 is 48.3% below this industry median. Based on the distribution chart, Prime Commercial Bank ranks #440 out of 1410 companies in the Banks industry, which is above the industry midpoint. Overall, Prime Commercial Bank has a GF Score™ of 93/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Prime Commercial Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Prime Commercial Bank ranks #440 out of 1410 companies for Debt-to-Equity. This puts Prime Commercial Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Prime Commercial Bank's value of 0.30 is 48.3% below this benchmark. While the company's 10-year median is 0.32 vs. the industry median of 0.58, Prime Commercial Bank has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prime Commercial Bank's current Debt-to-Equity of 0.30 is 48.3% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Prime Commercial Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prime Commercial Bank's current Debt-to-Equity is 0.30, which is near median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prime Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Prime Commercial Bank (XNEP:PCBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR298.46, compared to a current price of NPR260.00 — trading 12.9% below its estimated fair value. The current Debt-to-Equity is 0.30, which is near median its 10-year median of 0.32 and 48.3% below the Banks industry median of 0.58. Prime Commercial Bank's overall GF Score™ is 93/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Prime Commercial Bank (XNEP:PCBL), the current Debt-to-Equity is 0.30 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 Prime Commercial Bank (XNEP:PCBL) Overvalued in 2026?
Based on GuruFocus' analysis, Prime Commercial Bank stock appears to be undervalued.
The current stock price of NPR260.00 is trading 12.9% below its estimated GF Value™ of NPR298.46.
GuruFocus considers Prime Commercial Bank to be Modestly Undervalued.
Key valuation signals for XNEP:PCBL:
Debt-to-Equity: 0.30 (near median its 10-year median of 0.32)
GF Value™: NPR298.46 vs. price of NPR260.00 (12.9% below fair value)
Industry Position: 48.3% below the Banks median (#440 of 1410)
No single metric tells the full story. See the XNEP:PCBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prime Commercial Bank Ltd is a commercial bank in Nepal. The company's operating segment includes Banking Operation; Treasury; Card and Others. It generates maximum revenue from the Banking Operation segment. The company is engaged in providing personal banking, business banking, retail banking and other services including SMS banking, E-Banking services, and other remittance services.
93GF Score
Get the complete analysis for XNEP:PCBL
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:PCBL has been successfully added to your 
