NMB Microfinance Bittiyanstha (XNEP:NMBMF) Scaled Net Operating Assets: 0.69 (As of Apr. 2026)


XNEP:NMBMF NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
53 GF Score
Price NPR599.00
GF Value NPR2,183.44
Valuation Possible Value Trap
! 2 Warning Signs
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What is NMB Microfinance Bittiyanstha Scaled Net Operating Assets?

NMB Microfinance Bittiyanstha XNEP:NMBMF -1.48% 53 Scaled Net Operating Assets is 0.69 as of Apr. 2026. GuruFocus rates XNEP:NMBMF with a GF Score™ of 53/100 and a GF Value™ of NPR2,183.44 (Possible Value Trap). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

NMB Microfinance Bittiyanstha's operating assets for the quarter that ended in Apr. 2026 was NPR8,135.0 Mil. NMB Microfinance Bittiyanstha's operating liabilities for the quarter that ended in Apr. 2026 was NPR2,227.2 Mil. NMB Microfinance Bittiyanstha's Total Assets for the quarter that ended in Jan. 2026 was NPR8,543.3 Mil. Therefore, NMB Microfinance Bittiyanstha's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.69.

XNEP:NMBMF
53GF Score
NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Microfinance Bittiyanstha Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

NMB Microfinance Bittiyanstha's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jul. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jul. 2025 )
=(Operating Assets (A: Jul. 2025 )-Operating Liabilities (A: Jul. 2025 ))/Total Assets (A: Jul. 2024 )
=(6789.594-1737.649)/5855.814
=0.86

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7081.391 - 291.797
=6789.594

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6137.166 - 4399.517 - 0
=1737.649

NMB Microfinance Bittiyanstha's Scaled Net Operating Assets (SNOA) for the quarter that ended in Apr. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Apr. 2026 )
=(Operating Assets (Q: Apr. 2026 )-Operating Liabilities (Q: Apr. 2026 ))/Total Assets (Q: Jan. 2026 )
=(8135.03-2227.195)/8543.329
=0.69

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8800.616 - 665.586
=8135.03

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7772.979 - 5545.784 - 0
=2227.195

* 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.

What does a Scaled Net Operating Assets of 0.69 mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Scaled Net Operating Assets of 0.69 as of Apr. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on NMB Microfinance Bittiyanstha and its competitors.
Is NMB Microfinance Bittiyanstha's Scaled Net Operating Assets too high?
NMB Microfinance Bittiyanstha's current Scaled Net Operating Assets is 0.69. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Scaled Net Operating Assets compare to V and MA?
NMB Microfinance Bittiyanstha's Scaled Net Operating Assets of 0.69 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on NMB Microfinance Bittiyanstha and its competitors. NMB Microfinance Bittiyanstha's current Scaled Net Operating Assets is 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,183.44, compared to a current price of NPR599.00 — trading 72.6% below its estimated fair value. The current Scaled Net Operating Assets is 0.69. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Scaled Net Operating Assets is 0.69 as of Apr. 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued. The current stock price of NPR599.00 is trading 72.6% below its estimated GF Value™ of NPR2,183.44. GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:NMBMF:

  • Scaled Net Operating Assets: 0.69
  • GF Value™: NPR2,183.44 vs. price of NPR599.00 (72.6% below fair value)
  • GF Score™: 53/100 with 2 warning signs

No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NMB Microfinance Bittiyanstha Business Description

Address Street 3, New Road, Zenex Plaza, Kaski, Pokhara, NPL
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score

Get the complete analysis for XNEP:NMBMF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR599.00
Price
NPR2,183.44
GF Value