Nepal SBI Bank (XNEP:SBI) Net Debt Paydown Yield % : -6.61% (As of Sep. 01, 2026)

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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.
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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:SBI Nepal SBI Bank Ltd XNEP:SBI
76 GF Score
Price NPR398.70
GF Value NPR401.82
Valuation Fairly Valued
! 2 Warning Signs
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What is Nepal SBI Bank Net Debt Paydown Yield %?

Nepal SBI Bank XNEP:SBI -0.32% 76 Net Debt Paydown Yield % is -6.61% as of Sep. 01, 2026. GuruFocus rates XNEP:SBI with a GF Score™ of 76/100 and a GF Value™ of NPR401.82 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,411 Banks companies, Nepal SBI Bank ranks worse than 66.05% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Nepal SBI Bank's Net Debt Paydown Yield % was -6.61%.


Nepal SBI Bank  (XNEP:SBI) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Nepal SBI Bank Net Debt Paydown Yield % Related Terms


Nepal SBI Bank Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Nepal SBI Bank's Net Debt Paydown Yield % 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.

Nepal SBI Bank Net Debt Paydown Yield % Chart

Nepal SBI Bank Annual Data
Trend Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25 Jul26
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.02 -15.93 9.64 1.75 -6.48

Nepal SBI Bank Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
Net Debt Paydown Yield % 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 1.75 -0.73 -3.13 -4.98 -6.48

Nepal SBI Bank Net Debt Paydown Yield % Competitor Comparison

For the Banks - Regional subindustry, Nepal SBI Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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.


Nepal SBI Bank Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Nepal SBI Bank's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Nepal SBI Bank's Net Debt Paydown Yield % falls into.


XNEP:SBI
76GF Score
Nepal SBI Bank Ltd XNEP:SBI
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal SBI Bank Net Debt Paydown Yield % Calculation

Nepal SBI Bank's Net Debt Paydown Yield % for the quarter that ended in Jul. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 5844.61-8841.17 )/46247.208
=-6.48 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -6.61% mean?
Nepal SBI Bank (XNEP:SBI) has a Net Debt Paydown Yield % of -6.61% as of Sep. 01, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Nepal SBI Bank and its competitors. According to the industry distribution chart, Nepal SBI Bank ranks #932 out of 1411 companies in the Banks industry, placing it in the top 66.1%.
Is Nepal SBI Bank's Net Debt Paydown Yield % too high?
Nepal SBI Bank's current Net Debt Paydown Yield % is -6.61%. Based on the distribution chart, Nepal SBI Bank ranks #932 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, Nepal SBI Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's Net Debt Paydown Yield % compare to competitors?
According to the Banks industry distribution chart, Nepal SBI Bank ranks #932 out of 1411 companies for Net Debt Paydown Yield %. This places Nepal SBI Bank in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Nepal SBI Bank and its competitors. Nepal SBI Bank's current Net Debt Paydown Yield % is -6.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.82, compared to a current price of NPR398.70 — trading 0.8% below its estimated fair value. The current Net Debt Paydown Yield % is -6.61%. Nepal SBI Bank's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Nepal SBI Bank (XNEP:SBI), the current Net Debt Paydown Yield % is -6.61% as of Sep. 01, 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 Nepal SBI Bank (XNEP:SBI) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be undervalued. The current stock price of NPR398.70 is trading 0.8% below its estimated GF Value™ of NPR401.82. GuruFocus considers Nepal SBI Bank to be Fairly Valued.

Key valuation signals for XNEP:SBI:

  • Net Debt Paydown Yield %: -6.61%
  • GF Value™: NPR401.82 vs. price of NPR398.70 (0.8% below fair value)
  • GF Score™: 76/100 with 2 warning signs

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


Nepal SBI Bank Business Description

Address Ward No. 28, Kamaladi, Bagmati Province, Kathmandu, NPL
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
76GF Score

Get the complete analysis for XNEP:SBI

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR398.70
Price
NPR401.82
GF Value