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Sagarmatha Lumbini Insurance Co Ltd stock PB Ratio (=2.61) is close to 5-year low of 2.42.
The historical rank and industry rank for Sagarmatha Lumbini Insurance Co's PB Ratio or its related term are showing as below:
XNEP:SALICO'
s PB Ratio Range Over the Past 10 Years
Min: 2.15 Med: 3.45 Max: 7.89
Current: 2.56
During the past 13 years, Sagarmatha Lumbini Insurance Co's highest PB Ratio was 7.89. The lowest was 2.15. And the median was 3.45.
XNEP:SALICO's PB Ratio is ranked worse than 79.28% of 497
companies
in the Insurance industry
Industry Median: 1.4
vs XNEP:SALICO: 2.56
During the past 12 months, Sagarmatha Lumbini Insurance Co's average Book Value Per Share Growth Rate was -4.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Sagarmatha Lumbini Insurance Co was 30.90% per year. The lowest was -11.50% per year. And the median was 11.90% 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.
Sagarmatha Lumbini Insurance Co PB Ratio Related Terms
Sagarmatha Lumbini Insurance Co 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.
XNEP:SALICO vs BRK.A, AIG, HIG: PB Ratio Comparison
For the Insurance - Diversified subindustry, Sagarmatha Lumbini Insurance Co'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.
Sagarmatha Lumbini Insurance Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagarmatha Lumbini Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sagarmatha Lumbini Insurance Co's PB Ratio falls into.
Sagarmatha Lumbini Insurance Co 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.
Sagarmatha Lumbini Insurance Co (XNEP:SALICO) has a PB Ratio of 2.56 as of Aug. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sagarmatha Lumbini Insurance Co and its competitors. This is 26% below median its historical median of 3.45. Over the past decade, Sagarmatha Lumbini Insurance Co's PB Ratio has ranged from 2.15 to 7.89. According to the industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #394 out of 497 companies in the Insurance industry, placing it in the top 79.3%.
Is Sagarmatha Lumbini Insurance Co's PB Ratio too high?
Sagarmatha Lumbini Insurance Co's current PB Ratio of 2.56 is 26% below median its 10-year median of 3.45. Over the past 10 years, this metric has ranged from a low of 2.15 to a high of 7.89. The Insurance industry median PB Ratio is 1.40. Sagarmatha Lumbini Insurance Co's value of 2.56 is 82.9% above this industry median. Based on the distribution chart, Sagarmatha Lumbini Insurance Co ranks #394 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sagarmatha Lumbini Insurance Co has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sagarmatha Lumbini Insurance Co's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #394 out of 497 companies for PB Ratio. This places Sagarmatha Lumbini Insurance Co in the lower half of its industry. The industry median PB Ratio is 1.40. Sagarmatha Lumbini Insurance Co's value of 2.56 is 82.9% above this benchmark. Historically, Sagarmatha Lumbini Insurance Co's own PB Ratio has ranged from 2.15 to 7.89 over the past decade. While the company's 10-year median is 3.45 vs. the industry median of 1.40, Sagarmatha Lumbini Insurance Co 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 497 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. Sagarmatha Lumbini Insurance Co's current PB Ratio of 2.56 is 82.9% 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 Sagarmatha Lumbini Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagarmatha Lumbini Insurance Co's current PB Ratio is 2.56, which is 26% below median its own 10-year median of 3.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagarmatha Lumbini Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co (XNEP:SALICO) is currently considered Possible Value Trap. The stock's GF Value™ is NPR941.69, compared to a current price of NPR598.00 — trading 36.5% below its estimated fair value. The current PB Ratio is 2.56, which is 26% below median its 10-year median of 3.45 and 82.9% above the Insurance industry median of 1.40. Sagarmatha Lumbini Insurance Co's overall GF Score™ is 82/100 with 4 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO), the current PB Ratio is 2.56 as of Aug. 06, 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO) Overvalued in 2026?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co stock appears to be undervalued.
The current stock price of NPR598.00 is trading 36.5% below its estimated GF Value™ of NPR941.69.
GuruFocus considers Sagarmatha Lumbini Insurance Co to be Possible Value Trap.
Key valuation signals for XNEP:SALICO:
PB Ratio: 2.56 (26% below median its 10-year median of 3.45)
GF Value™: NPR941.69 vs. price of NPR598.00 (36.5% below fair value)
Industry Position: 82.9% above the Insurance median (#394 of 497)
No single metric tells the full story. See the XNEP:SALICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sagarmatha Lumbini Insurance Co Ltd provides various non-life insurance products through its province offices, branches, sub-branches, and network of agents. The company's offerings include personal and corporate insurance solutions, including property, motor, marine, engineering, aviation, agriculture, and micro insurance. The majority of the company's revenue is generated from property insurance. The company operates predominantly in Nepal.
82GF Score
Get the complete analysis for XNEP:SALICO
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