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XNEP:JBLB's PB Ratio is ranked worse than 98.47% of 1506
companies
in the Banks industry
Industry Median: 1.12
vs XNEP:JBLB: 4.46
During the past 12 months, Jeevan Bikas Laghubitta Bittiyanstha's average Book Value Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 16.10% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Jeevan Bikas Laghubitta Bittiyanstha was 87.40% per year. The lowest was 11.30% per year. And the median was 20.20% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Jeevan Bikas Laghubitta Bittiyanstha PB Ratio Related Terms
Jeevan Bikas Laghubitta Bittiyanstha PB Ratio 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.
Jeevan Bikas Laghubitta Bittiyanstha PB Ratio Chart
For the Banks - Regional subindustry, Jeevan Bikas Laghubitta Bittiyanstha's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Jeevan Bikas Laghubitta Bittiyanstha PB Ratio vs Banks Industry
Jeevan Bikas Laghubitta Bittiyanstha PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) has a PB Ratio of 4.46 as of Sep. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jeevan Bikas Laghubitta Bittiyanstha and its competitors. This is 10% below median its historical median of 4.97. Over the past decade, Jeevan Bikas Laghubitta Bittiyanstha's PB Ratio has ranged from 1.08 to 14.61. According to the industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #1483 out of 1506 companies in the Banks industry, placing it in the top 98.5%.
Is Jeevan Bikas Laghubitta Bittiyanstha's PB Ratio too high?
Jeevan Bikas Laghubitta Bittiyanstha's current PB Ratio of 4.46 is 10% below median its 10-year median of 4.97. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 14.61. The Banks industry median PB Ratio is 1.12. Jeevan Bikas Laghubitta Bittiyanstha's value of 4.46 is 298.2% above this industry median. Based on the distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #1483 out of 1506 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jeevan Bikas Laghubitta Bittiyanstha has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jeevan Bikas Laghubitta Bittiyanstha's PB Ratio compare to ?
According to the Banks industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #1483 out of 1506 companies for PB Ratio. This places Jeevan Bikas Laghubitta Bittiyanstha in the lower half of its industry. The industry median PB Ratio is 1.12. Jeevan Bikas Laghubitta Bittiyanstha's value of 4.46 is 298.2% above this benchmark. Historically, Jeevan Bikas Laghubitta Bittiyanstha's own PB Ratio has ranged from 1.08 to 14.61 over the past decade. While the company's 10-year median is 4.97 vs. the industry median of 1.12, Jeevan Bikas 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jeevan Bikas Laghubitta Bittiyanstha's current PB Ratio of 4.46 is 298.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jeevan Bikas Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jeevan Bikas Laghubitta Bittiyanstha's current PB Ratio is 4.46, which is 10% below median its own 10-year median of 4.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeevan Bikas Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) is currently considered Fairly Valued. The stock's GF Value™ is NPR1,167.74, compared to a current price of NPR1,249.00 — trading 7% above its estimated fair value. The current PB Ratio is 4.46, which is 10% below median its 10-year median of 4.97 and 298.2% above the Banks industry median of 1.12. Jeevan Bikas Laghubitta Bittiyanstha's overall GF Score™ is 89/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB), the current PB Ratio is 4.46 as of Sep. 03, 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be overvalued.
The current stock price of NPR1,249.00 is trading 7% above its estimated GF Value™ of NPR1,167.74.
GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:JBLB:
PB Ratio: 4.46 (10% below median its 10-year median of 4.97)
GF Value™: NPR1,167.74 vs. price of NPR1,249.00 (7% above fair value)
Industry Position: 298.2% above the Banks median (#1483 of 1506)
No single metric tells the full story. See the XNEP:JBLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
89GF Score
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