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Nepal SBI BankXNEP:SBI +0.97%79 PB Ratio is 2.07 as of Aug. 21, 2026, which is 13% below its 10-year median of 2.38. GuruFocus rates XNEP:SBI with a GF Score™ of 79/100 and a GF Value™ of NPR401.93 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,511 Banks companies, Nepal SBI Bank ranks worse than 89.61% 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 (2026-08-21), Nepal SBI Bank's share price is NPR404.90. Nepal SBI Bank's Book Value per Share for the quarter that ended in Jul. 2026 was NPR195.72. Hence, Nepal SBI Bank's PB Ratio of today is 2.07.
Good Sign:
Nepal SBI Bank Ltd stock PB Ratio (=2.05) is close to 2-year low of 1.98.
The historical rank and industry rank for Nepal SBI Bank's PB Ratio or its related term are showing as below:
XNEP:SBI'
s PB Ratio Range Over the Past 10 Years
Min: 1.47 Med: 2.38 Max: 12.41
Current: 2.07
During the past 13 years, Nepal SBI Bank's highest PB Ratio was 12.41. The lowest was 1.47. And the median was 2.38.
XNEP:SBI's PB Ratio is ranked worse than 89.61% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs XNEP:SBI: 2.07
During the past 12 months, Nepal SBI Bank's average Book Value Per Share Growth Rate was 7.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Nepal SBI Bank was 14.00% per year. The lowest was 2.90% per year. And the median was 6.50% 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 SBI Bank PB Ratio Related Terms
Nepal SBI Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Nepal SBI 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 SBI 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 SBI Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Nepal SBI Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Nepal SBI 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 SBI 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 SBI Bank (XNEP:SBI) has a PB Ratio of 2.07 as of Aug. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Nepal SBI Bank and its competitors. This is 13% below median its historical median of 2.38. Over the past decade, Nepal SBI Bank's PB Ratio has ranged from 1.47 to 12.41. According to the industry distribution chart, Nepal SBI Bank ranks #1354 out of 1511 companies in the Banks industry, placing it in the top 89.6%.
Is Nepal SBI Bank's PB Ratio too high?
Nepal SBI Bank's current PB Ratio of 2.07 is 13% below median its 10-year median of 2.38. Over the past 10 years, this metric has ranged from a low of 1.47 to a high of 12.41. The Banks industry median PB Ratio is 1.11. Nepal SBI Bank's value of 2.07 is 86.5% above this industry median. Based on the distribution chart, Nepal SBI Bank ranks #1354 out of 1511 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nepal SBI Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Nepal SBI Bank ranks #1354 out of 1511 companies for PB Ratio. This places Nepal SBI Bank in the lower half of its industry. The industry median PB Ratio is 1.11. Nepal SBI Bank's value of 2.07 is 86.5% above this benchmark. Historically, Nepal SBI Bank's own PB Ratio has ranged from 1.47 to 12.41 over the past decade. While the company's 10-year median is 2.38 vs. the industry median of 1.11, Nepal SBI Bank 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 1.11, based on 1,511 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 SBI Bank's current PB Ratio of 2.07 is 86.5% 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 Nepal SBI Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nepal SBI Bank's current PB Ratio is 2.07, which is 13% below median its own 10-year median of 2.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.93, compared to a current price of NPR404.90 — trading 0.7% above its estimated fair value. The current PB Ratio is 2.07, which is 13% below median its 10-year median of 2.38 and 86.5% above the Banks industry median of 1.11. Nepal SBI Bank's overall GF Score™ is 79/100 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 SBI Bank (XNEP:SBI), the current PB Ratio is 2.07 as of Aug. 21, 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 SBI Bank (XNEP:SBI) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be overvalued.
The current stock price of NPR404.90 is trading 0.7% above its estimated GF Value™ of NPR401.93.
GuruFocus considers Nepal SBI Bank to be Fairly Valued.
Key valuation signals for XNEP:SBI:
PB Ratio: 2.07 (13% below median its 10-year median of 2.38)
GF Value™: NPR401.93 vs. price of NPR404.90 (0.7% above fair value)
Industry Position: 86.5% above the Banks median (#1354 of 1511)
No single metric tells the full story. See the XNEP:SBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
79GF Score
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