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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
XNEP:SWBBL'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.25 Med: 2.19 Max: 5.86
Current: 1.37
During the past 13 years, the highest Price to Graham Number ratio of Swabalamban Laghubitta Bittiyanstha was 5.86. The lowest was 1.25. And the median was 2.19.
XNEP:SWBBL's Price-to-Graham-Number is ranked worse than 90.55% of 1429
companies
in the Banks industry
Industry Median: 0.81
vs XNEP:SWBBL: 1.37
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Swabalamban Laghubitta Bittiyanstha's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Apr. 2026 )
=
665.00
/
486.96
=
1.37
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Swabalamban Laghubitta Bittiyanstha Graham Number Related Terms
Swabalamban Laghubitta Bittiyanstha Graham Number 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.
Swabalamban Laghubitta Bittiyanstha Graham Number Chart
Swabalamban Laghubitta Bittiyanstha Graham Number Competitor Comparison
For the Banks - Regional subindustry, Swabalamban Laghubitta Bittiyanstha's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Swabalamban Laghubitta Bittiyanstha's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Swabalamban Laghubitta Bittiyanstha's Price-to-Graham-Number 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 Graham Number of NPR486.96 as of Apr. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Swabalamban Laghubitta Bittiyanstha and its competitors. This is 22136% above median its historical median of 2.19. Over the past decade, Swabalamban Laghubitta Bittiyanstha's Graham Number has ranged from 1.25 to 5.86. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1294 out of 1429 companies in the Banks industry, placing it in the top 90.6%.
Is Swabalamban Laghubitta Bittiyanstha's Graham Number too high?
Swabalamban Laghubitta Bittiyanstha's current Graham Number of NPR486.96 is 22136% above median its 10-year median of 2.19. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 5.86. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1294 out of 1429 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's Graham Number compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #1294 out of 1429 companies for Graham Number. This places Swabalamban Laghubitta Bittiyanstha in the lower half of its industry. The industry median Graham Number is 0.81. Historically, Swabalamban Laghubitta Bittiyanstha's own Graham Number has ranged from 1.25 to 5.86 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,429 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Swabalamban Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swabalamban Laghubitta Bittiyanstha's current Graham Number is NPR486.96, which is 22136% above median its own 10-year median of 2.19. 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 NPR777.17, compared to a current price of NPR665.00 — trading 14.4% below its estimated fair value. The current Graham Number is NPR486.96, which is 22136% above median its 10-year median of 2.19. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 90/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current Graham Number is NPR486.96 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 NPR665.00 is trading 14.4% below its estimated GF Value™ of NPR777.17.
GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.
Key valuation signals for XNEP:SWBBL:
Graham Number: NPR486.96 (22136% above median its 10-year median of 2.19)
GF Value™: NPR777.17 vs. price of NPR665.00 (14.4% below fair value)
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.
90GF Score
Get the complete analysis for XNEP:SWBBL
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