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.
XNEP:SWBBL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.74 Med: 1.85 Max: 3.72
Current: 1.24
During the past 13 years, the highest Debt-to-Equity Ratio of Swabalamban Laghubitta Bittiyanstha was 3.72. The lowest was 0.74. And the median was 1.85.
XNEP:SWBBL's Debt-to-Equity is ranked worse than 73.15% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs XNEP:SWBBL: 1.24
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.
Swabalamban Laghubitta Bittiyanstha Debt-to-Equity Related Terms
Swabalamban Laghubitta Bittiyanstha Debt-to-Equity 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.
For the Banks - Regional subindustry, Swabalamban Laghubitta Bittiyanstha'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.
Swabalamban Laghubitta Bittiyanstha Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Swabalamban Laghubitta Bittiyanstha's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Swabalamban Laghubitta Bittiyanstha'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.
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a Debt-to-Equity of 1.24 as of Apr. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Swabalamban Laghubitta Bittiyanstha and its competitors. This is 33% below median its historical median of 1.85. Over the past decade, Swabalamban Laghubitta Bittiyanstha's Debt-to-Equity has ranged from 0.74 to 3.72. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1038 out of 1419 companies in the Banks industry, placing it in the top 73.2%.
Is Swabalamban Laghubitta Bittiyanstha's Debt-to-Equity too high?
Swabalamban Laghubitta Bittiyanstha's current Debt-to-Equity of 1.24 is 33% below median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 3.72. The Banks industry median Debt-to-Equity is 0.58. Swabalamban Laghubitta Bittiyanstha's value of 1.24 is 113.8% above this industry median. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1038 out of 1419 companies in the Banks industry, which is below the industry midpoint. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1038 out of 1419 companies for Debt-to-Equity. This places Swabalamban Laghubitta Bittiyanstha in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Swabalamban Laghubitta Bittiyanstha's value of 1.24 is 113.8% above this benchmark. Historically, Swabalamban Laghubitta Bittiyanstha's own Debt-to-Equity has ranged from 0.74 to 3.72 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 0.58, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 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. Swabalamban Laghubitta Bittiyanstha's current Debt-to-Equity of 1.24 is 113.8% 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 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 Swabalamban Laghubitta Bittiyanstha 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. Swabalamban Laghubitta Bittiyanstha's current Debt-to-Equity is 1.24, which is 33% below median its own 10-year median of 1.85. 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 NPR776.92, compared to a current price of NPR667.00 — trading 14.1% below its estimated fair value. The current Debt-to-Equity is 1.24, which is 33% below median its 10-year median of 1.85 and 113.8% above the Banks industry median of 0.58. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 86/100 with 1 warning sign 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current Debt-to-Equity is 1.24 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 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 NPR667.00 is trading 14.1% below its estimated GF Value™ of NPR776.92.
GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.
Key valuation signals for XNEP:SWBBL:
Debt-to-Equity: 1.24 (33% below median its 10-year median of 1.85)
GF Value™: NPR776.92 vs. price of NPR667.00 (14.1% below fair value)
Industry Position: 113.8% above the Banks median (#1038 of 1419)
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 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.
86GF Score
Get the complete analysis for XNEP:SWBBL
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:SWBBL has been successfully added to your 
