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NMB Microfinance Bittiya Sanstha Ltd stock PB Ratio (=1.12) is close to 10-year low of 1.05.
The historical rank and industry rank for NMB Microfinance Bittiyanstha's PB Ratio or its related term are showing as below:
XNEP:NMBMF'
s PB Ratio Range Over the Past 10 Years
Min: 1.05 Med: 5.17 Max: 11.12
Current: 1.08
During the past 11 years, NMB Microfinance Bittiyanstha's highest PB Ratio was 11.12. The lowest was 1.05. And the median was 5.17.
XNEP:NMBMF's PB Ratio is ranked worse than 51.24% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs XNEP:NMBMF: 1.08
During the past 3 years, the average Book Value Per Share Growth Rate was -3.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of NMB Microfinance Bittiyanstha was 17.70% per year. The lowest was -3.40% per year. And the median was 4.15% 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.
NMB Microfinance Bittiyanstha PB Ratio Related Terms
NMB Microfinance 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.
For the Credit Services subindustry, NMB Microfinance 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.
NMB Microfinance Bittiyanstha PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's PB Ratio distribution charts can be found below:
* The bar in red indicates where NMB Microfinance Bittiyanstha's PB Ratio falls into.
NMB Microfinance 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.
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a PB Ratio of 1.08 as of Aug. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on NMB Microfinance Bittiyanstha and its competitors. This is 79% below median its historical median of 5.17. Over the past decade, NMB Microfinance Bittiyanstha's PB Ratio has ranged from 1.05 to 11.12. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #269 out of 525 companies in the Credit Services industry, placing it in the top 51.2%.
Is NMB Microfinance Bittiyanstha's PB Ratio too high?
NMB Microfinance Bittiyanstha's current PB Ratio of 1.08 is 79% below median its 10-year median of 5.17. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 11.12. The Credit Services industry median PB Ratio is 1.06. NMB Microfinance Bittiyanstha's value of 1.08 is 1.9% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #269 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #269 out of 525 companies for PB Ratio. This places NMB Microfinance Bittiyanstha in the lower half of its industry. The industry median PB Ratio is 1.06. NMB Microfinance Bittiyanstha's value of 1.08 is 1.9% above this benchmark. Historically, NMB Microfinance Bittiyanstha's own PB Ratio has ranged from 1.05 to 11.12 over the past decade. While the company's 10-year median is 5.17 vs. the industry median of 1.06, NMB Microfinance 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 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. NMB Microfinance Bittiyanstha's current PB Ratio of 1.08 is 1.9% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current PB Ratio is 1.08, which is 79% below median its own 10-year median of 5.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,177.67, compared to a current price of NPR616.00 — trading 71.7% below its estimated fair value. The current PB Ratio is 1.08, which is 79% below median its 10-year median of 5.17 and 1.9% above the Credit Services industry median of 1.06. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current PB Ratio is 1.08 as of Aug. 02, 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 Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR616.00 is trading 71.7% below its estimated GF Value™ of NPR2,177.67.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
PB Ratio: 1.08 (79% below median its 10-year median of 5.17)
GF Value™: NPR2,177.67 vs. price of NPR616.00 (71.7% below fair value)
Industry Position: 1.9% above the Credit Services median (#269 of 525)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
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