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.
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.
Nepal BankXNEP:NBL +0.41%78 PB Ratio is 0.99 as of Aug. 15, 2026, which is 10% below its 10-year median of 1.10. GuruFocus rates XNEP:NBL with a GF Score™ of 78/100 and a GF Value™ of NPR292.24 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,512 Banks companies, Nepal Bank ranks better than 61.51% on this metric.
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. As of today (2026-08-15), Nepal Bank's share price is NPR269.80. Nepal Bank's Book Value per Share for the quarter that ended in Apr. 2026 was NPR272.79. Hence, Nepal Bank's PB Ratio of today is 0.99.
Good Sign:
Nepal Bank Ltd stock PB Ratio (=0.99) is close to 2-year low of 0.9.
The historical rank and industry rank for Nepal Bank's PB Ratio or its related term are showing as below:
XNEP:NBL'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.1 Max: 4.76
Current: 0.99
During the past 13 years, Nepal Bank's highest PB Ratio was 4.76. The lowest was 0.80. And the median was 1.10.
XNEP:NBL's PB Ratio is ranked better than 61.51% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs XNEP:NBL: 0.99
During the past 12 months, Nepal Bank's average Book Value Per Share Growth Rate was 4.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Nepal Bank was 68.80% per year. The lowest was 2.00% per year. And the median was 6.60% 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.
Nepal Bank PB Ratio Related Terms
Nepal Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Nepal Bank's PB Ratio 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.
For the Banks - Regional subindustry, Nepal Bank'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.
Nepal Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Nepal Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Nepal Bank's PB Ratio falls into.
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.
Nepal Bank's PB Ratio for today is calculated as follows:
* 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.
Nepal Bank (XNEP:NBL) has a PB Ratio of 0.99 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Nepal Bank and its competitors. This is 10% below median its historical median of 1.10. Over the past decade, Nepal Bank's PB Ratio has ranged from 0.80 to 4.76. According to the industry distribution chart, Nepal Bank ranks #582 out of 1512 companies in the Banks industry, placing it in the top 38.5%.
Is Nepal Bank's PB Ratio too high?
Nepal Bank's current PB Ratio of 0.99 is 10% below median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 4.76. The Banks industry median PB Ratio is 1.12. Nepal Bank's value of 0.99 is 11.6% below this industry median. Based on the distribution chart, Nepal Bank ranks #582 out of 1512 companies in the Banks industry, which is above the industry midpoint. Overall, Nepal Bank has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Nepal Bank ranks #582 out of 1512 companies for PB Ratio. This puts Nepal Bank in the upper half of its industry. The industry median PB Ratio is 1.12. Nepal Bank's value of 0.99 is 11.6% below this benchmark. Historically, Nepal Bank's own PB Ratio has ranged from 0.80 to 4.76 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.12, Nepal Bank has consistently been below 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 1,512 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. Nepal Bank's current PB Ratio of 0.99 is 11.6% below 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 Nepal Bank 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. Nepal Bank's current PB Ratio is 0.99, which is 10% below median its own 10-year median of 1.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal Bank (XNEP:NBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR292.24, compared to a current price of NPR269.80 — trading 7.7% below its estimated fair value. The current PB Ratio is 0.99, which is 10% below median its 10-year median of 1.10 and 11.6% below the Banks industry median of 1.12. Nepal Bank's overall GF Score™ is 78/100 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 Nepal Bank (XNEP:NBL), the current PB Ratio is 0.99 as of Aug. 15, 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 Bank (XNEP:NBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal Bank stock appears to be undervalued.
The current stock price of NPR269.80 is trading 7.7% below its estimated GF Value™ of NPR292.24.
GuruFocus considers Nepal Bank to be Fairly Valued.
Key valuation signals for XNEP:NBL:
PB Ratio: 0.99 (10% below median its 10-year median of 1.10)
GF Value™: NPR292.24 vs. price of NPR269.80 (7.7% below fair value)
Industry Position: 11.6% below the Banks median (#582 of 1512)
No single metric tells the full story. See the XNEP:NBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal Bank Ltd is engaged in providing banking products and services. It offers products and services such as deposits and accounts services, loans and advances to corporate and consumers, remittance services, and products. The bank operates in the segments of Banking, Treasury, Remittance, and Government. It derives maximum revenue from the Banking segment, which involves functions like collecting deposits and lending activities, among other similar activities. It provides banking through its branch offices in different geographical locations within the country.
78GF Score
Get the complete analysis for XNEP:NBL
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:NBL has been successfully added to your 
