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NIC Asia BankXNEP:NICA +0.94%74 PEG Ratio is 10.71 as of Jul. 27, 2026, which is 1027% above its 10-year median of 0.95. GuruFocus rates XNEP:NICA with a GF Score™ of 74/100 and a GF Value™ of NPR380.73 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,232 Banks companies, NIC Asia Bank ranks worse than 93.83% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, NIC Asia Bank's PE Ratio without NRI is 102.84. NIC Asia Bank's 5-Year Book Value growth rate is 9.60%. Therefore, NIC Asia Bank's PEG Ratio for today is 10.71.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for NIC Asia Bank's PEG Ratio or its related term are showing as below:
XNEP:NICA'
s PEG Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.95 Max: 21.9
Current: 10.71
During the past 13 years, NIC Asia Bank's highest PEG Ratio was 21.90. The lowest was 0.41. And the median was 0.95.
XNEP:NICA's PEG Ratio is ranked worse than 93.83% of 1232
companies
in the Banks industry
Industry Median: 1.55
vs XNEP:NICA: 10.71
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
NIC Asia Bank (XNEP:NICA) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
NIC Asia Bank PEG Ratio Related Terms
NIC Asia Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for NIC Asia Bank's PEG 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, NIC Asia Bank's PEG Ratio, along with its competitors' market caps and PEG 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.
NIC Asia Bank PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, NIC Asia Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where NIC Asia Bank's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
NIC Asia Bank (XNEP:NICA) has a PEG Ratio of 10.71 as of Jul. 27, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on NIC Asia Bank and its competitors. This is 1027% above median its historical median of 0.95. Over the past decade, NIC Asia Bank's PEG Ratio has ranged from 0.41 to 21.90. According to the industry distribution chart, NIC Asia Bank ranks #1156 out of 1232 companies in the Banks industry, placing it in the top 93.8%.
Is NIC Asia Bank's PEG Ratio too high?
NIC Asia Bank's current PEG Ratio of 10.71 is 1027% above median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 21.90. The Banks industry median PEG Ratio is 1.55. NIC Asia Bank's value of 10.71 is 591% above this industry median. Based on the distribution chart, NIC Asia Bank ranks #1156 out of 1232 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, NIC Asia Bank has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NIC Asia Bank's PEG Ratio compare to competitors?
According to the Banks industry distribution chart, NIC Asia Bank ranks #1156 out of 1232 companies for PEG Ratio. This places NIC Asia Bank in the lower half of its industry. The industry median PEG Ratio is 1.55. NIC Asia Bank's value of 10.71 is 591% above this benchmark. Historically, NIC Asia Bank's own PEG Ratio has ranged from 0.41 to 21.90 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 1.55, NIC Asia 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,232 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIC Asia Bank's current PEG Ratio of 10.71 is 591% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on NIC Asia Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIC Asia Bank's current PEG Ratio is 10.71, which is 1027% above median its own 10-year median of 0.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIC Asia Bank stock overvalued right now?
Based on GuruFocus' analysis, NIC Asia Bank (XNEP:NICA) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR380.73, compared to a current price of NPR344.20 — trading 9.6% below its estimated fair value. The current PEG Ratio is 10.71, which is 1027% above median its 10-year median of 0.95 and 591% above the Banks industry median of 1.55. NIC Asia Bank's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For NIC Asia Bank (XNEP:NICA), the current PEG Ratio is 10.71 as of Jul. 27, 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 NIC Asia Bank (XNEP:NICA) Overvalued in 2026?
Based on GuruFocus' analysis, NIC Asia Bank stock appears to be undervalued.
The current stock price of NPR344.20 is trading 9.6% below its estimated GF Value™ of NPR380.73.
GuruFocus considers NIC Asia Bank to be Modestly Undervalued.
Key valuation signals for XNEP:NICA:
PEG Ratio: 10.71 (1027% above median its 10-year median of 0.95)
GF Value™: NPR380.73 vs. price of NPR344.20 (9.6% below fair value)
Industry Position: 591% above the Banks median (#1156 of 1232)
No single metric tells the full story. See the XNEP:NICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NIC Asia Bank Ltd is engaged in commercial banking services in Nepal. It is organized for management and reporting purposes into segments such as Retail Banking, Corporate Banking, SME Banking, Deprived Sector Banking (DSL), Treasury, Transaction Banking (TB) and Other Banking. It generates a vast majority of the revenues from the Retail banking segment.
74GF Score
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