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XNEP:GMFIL's PB Ratio is ranked worse than 81.4% of 527
companies
in the Credit Services industry
Industry Median: 1
vs XNEP:GMFIL: 2.55
During the past 12 months, Guheshwori Merchant Bank & Finance's average Book Value Per Share Growth Rate was 10.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Guheshwori Merchant Bank & Finance was 11.00% per year. The lowest was 5.10% per year. And the median was 7.85% 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.
Guheshwori Merchant Bank & Finance PB Ratio Related Terms
Guheshwori Merchant Bank & Finance 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, Guheshwori Merchant Bank & Finance'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.
Guheshwori Merchant Bank & Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Guheshwori Merchant Bank & Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Guheshwori Merchant Bank & Finance's PB Ratio falls into.
Guheshwori Merchant Bank & Finance 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.
Guheshwori Merchant Bank & Finance (XNEP:GMFIL) has a PB Ratio of 2.56 as of Sep. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Guheshwori Merchant Bank & Finance and its competitors. This is near median its historical median of 2.37. Over the past decade, Guheshwori Merchant Bank & Finance's PB Ratio has ranged from 0.86 to 5.40. According to the industry distribution chart, Guheshwori Merchant Bank & Finance ranks #429 out of 527 companies in the Credit Services industry, placing it in the top 81.4%.
Is Guheshwori Merchant Bank & Finance's PB Ratio too high?
Guheshwori Merchant Bank & Finance's current PB Ratio of 2.56 is near median its 10-year median of 2.37. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 5.40. The Credit Services industry median PB Ratio is 1.00. Guheshwori Merchant Bank & Finance's value of 2.56 is 156% above this industry median. Based on the distribution chart, Guheshwori Merchant Bank & Finance ranks #429 out of 527 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Guheshwori Merchant Bank & Finance has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Guheshwori Merchant Bank & Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Guheshwori Merchant Bank & Finance ranks #429 out of 527 companies for PB Ratio. This places Guheshwori Merchant Bank & Finance in the lower half of its industry. The industry median PB Ratio is 1.00. Guheshwori Merchant Bank & Finance's value of 2.56 is 156% above this benchmark. Historically, Guheshwori Merchant Bank & Finance's own PB Ratio has ranged from 0.86 to 5.40 over the past decade. While the company's 10-year median is 2.37 vs. the industry median of 1.00, Guheshwori Merchant Bank & Finance 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 1.00, based on 527 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. Guheshwori Merchant Bank & Finance's current PB Ratio of 2.56 is 156% 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 Guheshwori Merchant Bank & Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guheshwori Merchant Bank & Finance's current PB Ratio is 2.56, which is near median its own 10-year median of 2.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guheshwori Merchant Bank & Finance stock overvalued right now?
Based on GuruFocus' analysis, Guheshwori Merchant Bank & Finance (XNEP:GMFIL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR498.15, compared to a current price of NPR421.00 — trading 15.5% below its estimated fair value. The current PB Ratio is 2.56, which is near median its 10-year median of 2.37 and 156% above the Credit Services industry median of 1.00. Guheshwori Merchant Bank & Finance's overall GF Score™ is 67/100 with 1 warning sign 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 Guheshwori Merchant Bank & Finance (XNEP:GMFIL), the current PB Ratio is 2.56 as of Sep. 14, 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 Guheshwori Merchant Bank & Finance (XNEP:GMFIL) Overvalued in 2026?
Based on GuruFocus' analysis, Guheshwori Merchant Bank & Finance stock appears to be undervalued.
The current stock price of NPR421.00 is trading 15.5% below its estimated GF Value™ of NPR498.15.
GuruFocus considers Guheshwori Merchant Bank & Finance to be Modestly Undervalued.
Key valuation signals for XNEP:GMFIL:
PB Ratio: 2.56 (near median its 10-year median of 2.37)
GF Value™: NPR498.15 vs. price of NPR421.00 (15.5% below fair value)
Industry Position: 156% above the Credit Services median (#429 of 527)
No single metric tells the full story. See the XNEP:GMFIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guheshwori Merchant Bank & Finance Ltd is engaged in mortgage financing, corporate financing, merchant banking, e-banking, and other financial services. Its products and services include Loans & Advances; Guarantee; Remittance; Card Service; Locker Service; and other ancillary services.
67GF Score
Get the complete analysis for XNEP:GMFIL
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