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Standard Chartered Bank (Nepal) (XNEP:SCB) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Standard Chartered Bank (Nepal) Piotroski F-Score Related Terms
Standard Chartered Bank (Nepal) Piotroski F-Score 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.
Standard Chartered Bank (Nepal) Piotroski F-Score Chart
Standard Chartered Bank (Nepal) Piotroski F-Score Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Nepal)'s Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Standard Chartered Bank (Nepal) Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Nepal)'s Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Nepal)'s Piotroski F-Score 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.
This Year (Jul26) TTM:
Last Year (Jul25) TTM:
Net Income was 692.169 + 681.155 + 708.296 + 768.59 = NPR2,850 Mil. Cash Flow from Operations was 9132.306 + 9611.366 + 1732 + 6949.18 = NPR27,425 Mil. Revenue was 1681.657 + 1445.425 + 1519.681 + 1760.779 = NPR6,408 Mil.
Average Total Assets from the begining of this year (Jul25)
to the end of this year (Jul26) was
(155879.403 + 161706.155 + 168355.336 + 175457.304 + 180062.722) / 5 = NPR168292.184 Mil. Total Assets at the begining of this year (Jul25) was NPR155,879 Mil. Long-Term Debt & Capital Lease Obligation was NPR2,524 Mil. Total Assets was NPR180,063 Mil. Total Liabilities was NPR157,390 Mil.
Net Income was 862.201 + 778.429 + 533.147 + 838.787 = NPR3,013 Mil.
Revenue was 1745.133 + 1473.723 + 1645.123 + 1710.731 = NPR6,575 Mil.
Average Total Assets from the begining of last year (Jul24)
to the end of last year (Jul25) was
(141189.071 + 0 + 151674.638 + 150606.466 + 155879.403) / 5 = NPR149837.3945 Mil. Total Assets at the begining of last year (Jul24) was NPR141,189 Mil. Long-Term Debt & Capital Lease Obligation was NPR3,897 Mil. Total Assets was NPR155,879 Mil. Total Liabilities was NPR134,208 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Standard Chartered Bank (Nepal)'s current Net Income (TTM) was 2,850.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Standard Chartered Bank (Nepal)'s current Cash Flow from Operations (TTM) was 27,425.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Standard Chartered Bank (Nepal)'s return on assets of this year was 0.01828471. Standard Chartered Bank (Nepal)'s return on assets of last year was 0.02133709.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Standard Chartered Bank (Nepal)'s gearing of this year was 0.01499736. Standard Chartered Bank (Nepal)'s gearing of last year was 0.02600515.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Standard Chartered Bank (Nepal)'s current ratio of this year was 1.14405638. Standard Chartered Bank (Nepal)'s current ratio of last year was 1.16147574.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Standard Chartered Bank (Nepal)'s number of shares in issue this year was 100.43. Standard Chartered Bank (Nepal)'s number of shares in issue last year was 100.424.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Standard Chartered Bank (Nepal)'s net margin of this year was 0.44482112. Standard Chartered Bank (Nepal)'s net margin of last year was 0.45820485.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Standard Chartered Bank (Nepal)'s asset turnover of this year was 0.04110576. Standard Chartered Bank (Nepal)'s asset turnover of last year was 0.04656671.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
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Que. 3
+
Que. 4
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Que. 5
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Que. 6
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Que. 7
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Que. 9
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1
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1
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0
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1
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1
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4
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Standard Chartered Bank (Nepal) has an F-score of 4 indicating the company's financial situation is typical for a stable company.
Standard Chartered Bank (Nepal) (XNEP:SCB) has a Piotroski F-Score of 4 as of Sep. 08, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Standard Chartered Bank (Nepal) and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, Standard Chartered Bank (Nepal)'s Piotroski F-Score has ranged from 3.00 to 7.00. According to the industry distribution chart, Standard Chartered Bank (Nepal) ranks #1105 out of 1491 companies in the Banks industry, placing it in the top 74.1%.
Is Standard Chartered Bank (Nepal)'s Piotroski F-Score too high?
Standard Chartered Bank (Nepal)'s current Piotroski F-Score of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 7.00. The Banks industry median Piotroski F-Score is 6.00. Standard Chartered Bank (Nepal)'s value of 4 is 33.3% below this industry median. Based on the distribution chart, Standard Chartered Bank (Nepal) ranks #1105 out of 1491 companies in the Banks industry, which is below the industry midpoint. Overall, Standard Chartered Bank (Nepal) has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Nepal)'s Piotroski F-Score compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Nepal) ranks #1105 out of 1491 companies for Piotroski F-Score. This places Standard Chartered Bank (Nepal) in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Standard Chartered Bank (Nepal)'s value of 4 is 33.3% below this benchmark. Historically, Standard Chartered Bank (Nepal)'s own Piotroski F-Score has ranged from 3.00 to 7.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, Standard Chartered Bank (Nepal) 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Chartered Bank (Nepal)'s current Piotroski F-Score of 4 is 33.3% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Standard Chartered Bank (Nepal) and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank (Nepal)'s current Piotroski F-Score is 4, which is 20% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Nepal) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Nepal) (XNEP:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is NPR422.84, compared to a current price of NPR649.10 — trading 53.5% above its estimated fair value. The current Piotroski F-Score is 4, which is 20% below median its 10-year median of 5.00 and 33.3% below the Banks industry median of 6.00. Standard Chartered Bank (Nepal)'s overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Standard Chartered Bank (Nepal) (XNEP:SCB), the current Piotroski F-Score is 4 as of Sep. 08, 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 Standard Chartered Bank (Nepal) (XNEP:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Nepal) stock appears to be overvalued.
The current stock price of NPR649.10 is trading 53.5% above its estimated GF Value™ of NPR422.84.
GuruFocus considers Standard Chartered Bank (Nepal) to be Significantly Overvalued.
Key valuation signals for XNEP:SCB:
Piotroski F-Score: 4 (20% below median its 10-year median of 5.00)
GF Value™: NPR422.84 vs. price of NPR649.10 (53.5% above fair value)
Industry Position: 33.3% below the Banks median (#1105 of 1491)
No single metric tells the full story. See the XNEP:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Nepal) Ltd provides a range of banking products and services to a wide range of clients and customers encompassing individuals, mid-market local corporate, multinationals, large public sector companies, government corporations, airlines, hotels as well as the DO segment comprising embassies, aid agencies, NGOs, and INGOs across the country. The company's segments are Corporate and Investment Banking (CIB), Wealth & Retail Banking (WRB), and Others. It derives the majority of revenue from the Corporate and Investment Banking segment, which is engaged in Local corporate financing, advances to partnership firms and statutory bodies, which are not included in the Retail Banking segments, foreign exchange, fixed income, and money market and derivative transactions.
67GF Score
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