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Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Nirdhan Utthan Laghubitta Bittiyanstha PS Ratio Related Terms
Nirdhan Utthan Laghubitta Bittiyanstha PS 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.
Nirdhan Utthan Laghubitta Bittiyanstha PS Ratio Chart
Nirdhan Utthan Laghubitta Bittiyanstha Annual Data
Nirdhan Utthan Laghubitta Bittiyanstha PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Nirdhan Utthan Laghubitta Bittiyanstha's PS Ratio, along with its competitors' market caps and PS 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.
Nirdhan Utthan Laghubitta Bittiyanstha PS Ratio vs Banks Industry
Nirdhan Utthan Laghubitta Bittiyanstha PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Nirdhan Utthan Laghubitta Bittiyanstha's Share Price of today is NPR568.00. Nirdhan Utthan Laghubitta Bittiyanstha's Revenue per Share for the trailing twelve months (TTM) ended in Jul. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was NPR82.02.
* 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:
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a PS Ratio of 6.93 as of Sep. 08, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. This is near median its historical median of 7.28. Over the past decade, Nirdhan Utthan Laghubitta Bittiyanstha's PS Ratio has ranged from 4.55 to 13.00. According to the industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1420 out of 1509 companies in the Banks industry, placing it in the top 94.1%.
Is Nirdhan Utthan Laghubitta Bittiyanstha's PS Ratio too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current PS Ratio of 6.93 is near median its 10-year median of 7.28. Over the past 10 years, this metric has ranged from a low of 4.55 to a high of 13.00. The Banks industry median PS Ratio is 3.11. Nirdhan Utthan Laghubitta Bittiyanstha's value of 6.93 is 122.8% above this industry median. Based on the distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1420 out of 1509 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's PS Ratio compare to competitors?
According to the Banks industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1420 out of 1509 companies for PS Ratio. This places Nirdhan Utthan Laghubitta Bittiyanstha in the lower half of its industry. The industry median PS Ratio is 3.11. Nirdhan Utthan Laghubitta Bittiyanstha's value of 6.93 is 122.8% above this benchmark. Historically, Nirdhan Utthan Laghubitta Bittiyanstha's own PS Ratio has ranged from 4.55 to 13.00 over the past decade. While the company's 10-year median is 7.28 vs. the industry median of 3.11, Nirdhan Utthan Laghubitta Bittiyanstha 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.11, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nirdhan Utthan Laghubitta Bittiyanstha's current PS Ratio of 6.93 is 122.8% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median PS Ratio is 3.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nirdhan Utthan Laghubitta Bittiyanstha's current PS Ratio is 6.93, which is near median its own 10-year median of 7.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR604.48, compared to a current price of NPR568.00 — trading 6% below its estimated fair value. The current PS Ratio is 6.93, which is near median its 10-year median of 7.28 and 122.8% above the Banks industry median of 3.11. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current PS Ratio is 6.93 as of Sep. 08, 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR568.00 is trading 6% below its estimated GF Value™ of NPR604.48.
GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:NUBL:
PS Ratio: 6.93 (near median its 10-year median of 7.28)
GF Value™: NPR604.48 vs. price of NPR568.00 (6% below fair value)
Industry Position: 122.8% above the Banks median (#1420 of 1509)
No single metric tells the full story. See the XNEP:NUBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
71GF Score
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