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In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
NMB Bank's Net-Net Working Capital for the quarter that ended in Apr. 2026 was NPR-1,463.79.
The industry rank for NMB Bank's Net-Net Working Capital or its related term are showing as below:
XNEP:NMB's Price-to-Net-Net-Working-Capital is not ranked *
in the Banks industry.
Industry Median: 2.05 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
NMB Bank (XNEP:NMB) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
NMB Bank Net-Net Working Capital Related Terms
NMB Bank Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for NMB Bank's Net-Net Working Capital 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.
NMB Bank Net-Net Working Capital Competitor Comparison
For the Banks - Regional subindustry, NMB Bank's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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.
NMB Bank Price-to-Net-Net-Working-Capital vs Banks Industry
For the Banks industry and Financial Services sector, NMB Bank's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where NMB Bank's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of NPR-1,463.79 mean?
NMB Bank (XNEP:NMB) has a Net-Net Working Capital of NPR-1,463.79 as of Apr. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on NMB Bank According to the industry distribution chart, NMB Bank ranks #999999 out of 9 companies in the Banks industry.
Is NMB Bank's Net-Net Working Capital too high?
NMB Bank's current Net-Net Working Capital is NPR-1,463.79. Based on the distribution chart, NMB Bank ranks #999999 out of 9 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, NMB Bank has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NMB Bank's Net-Net Working Capital compare to competitors?
According to the Banks industry distribution chart, NMB Bank ranks #999999 out of 9 companies for Net-Net Working Capital. This places NMB Bank in the lower half of its industry. The industry median Net-Net Working Capital is 2.05. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Banks company?
The median Net-Net Working Capital among Banks companies is 2.05, based on 9 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital 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-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on NMB Bank For the Banks industry, the median Net-Net Working Capital is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Bank's current Net-Net Working Capital is NPR-1,463.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Bank stock overvalued right now?
Based on GuruFocus' analysis, NMB Bank (XNEP:NMB) is currently considered Fairly Valued. The stock's GF Value™ is NPR245.87, compared to a current price of NPR242.00 — trading 1.6% below its estimated fair value. The current Net-Net Working Capital is NPR-1,463.79. NMB Bank's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For NMB Bank (XNEP:NMB), the current Net-Net Working Capital is NPR-1,463.79 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 NMB Bank (XNEP:NMB) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Bank stock appears to be undervalued.
The current stock price of NPR242.00 is trading 1.6% below its estimated GF Value™ of NPR245.87.
GuruFocus considers NMB Bank to be Fairly Valued.
Key valuation signals for XNEP:NMB:
Net-Net Working Capital: NPR-1,463.79
GF Value™: NPR245.87 vs. price of NPR242.00 (1.6% below fair value)
No single metric tells the full story. See the XNEP:NMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Bank Ltd provides banking products and services in Nepal. It carries out commercial banking activities, offering various banking-related products and services such as accounts and deposits, loans, cards, remittances, insurances, priority banking, locker facility, and others. Along with its subsidiaries, the company operates in the following segments: Retail Banking, SME, Corporate, Treasury, Deprived, and Others. Maximum revenue is derived from its Corporate segment, which serves a diverse range of clients, ranging from small to mid-sized local businesses with a few million in revenues to large conglomerates.
77GF Score
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