Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Scaled Net Operating Assets: 0.32 (As of Apr. 2026)


XNEP:SWBBL Swabalamban Laghubitta Bittiya Sanstha Ltd XNEP:SWBBL
90 GF Score
Price NPR697.80
GF Value NPR777.84
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Swabalamban Laghubitta Bittiyanstha Scaled Net Operating Assets?

Swabalamban Laghubitta Bittiyanstha XNEP:SWBBL -0.60% 90 Scaled Net Operating Assets is 0.32 as of Apr. 2026. GuruFocus rates XNEP:SWBBL with a GF Score™ of 90/100 and a GF Value™ of NPR777.84 (Modestly Undervalued). The stock has 1 warning sign investors should review.

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

Swabalamban Laghubitta Bittiyanstha's operating assets for the quarter that ended in Apr. 2026 was NPR25,889 Mil. Swabalamban Laghubitta Bittiyanstha's operating liabilities for the quarter that ended in Apr. 2026 was NPR17,725 Mil. Swabalamban Laghubitta Bittiyanstha's Total Assets for the quarter that ended in Jan. 2026 was NPR25,236 Mil. Therefore, Swabalamban Laghubitta Bittiyanstha's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.32.

XNEP:SWBBL
90GF Score
Swabalamban Laghubitta Bittiya Sanstha Ltd XNEP:SWBBL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Swabalamban Laghubitta 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.

Swabalamban Laghubitta 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 )
=(22834.911-16170.174)/21158.046
=0.31

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=23750.051 - 915.14
=22834.911

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=20019.775 - 3849.601 - 0
=16170.174

Swabalamban Laghubitta 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 )
=(25889.341-17724.928)/25236.019
=0.32

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26606.64 - 717.299
=25889.341

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=22641.329 - 4916.401 - 0
=17724.928

* 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 0.32 mean?
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a Scaled Net Operating Assets of 0.32 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 Swabalamban Laghubitta Bittiyanstha and its competitors.
Is Swabalamban Laghubitta Bittiyanstha's Scaled Net Operating Assets too high?
Swabalamban Laghubitta Bittiyanstha's current Scaled Net Operating Assets is 0.32. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's Scaled Net Operating Assets compare to competitors?
Swabalamban Laghubitta Bittiyanstha's Scaled Net Operating Assets of 0.32 can be compared against companies in the Banks 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 Banks company?
A good Scaled Net Operating Assets depends on the Banks 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 Swabalamban Laghubitta Bittiyanstha and its competitors. Swabalamban Laghubitta Bittiyanstha's current Scaled Net Operating Assets is 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swabalamban Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR777.84, compared to a current price of NPR697.80 — trading 10.3% below its estimated fair value. The current Scaled Net Operating Assets is 0.32. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 90/100 with 1 warning sign 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current Scaled Net Operating Assets is 0.32 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR697.80 is trading 10.3% below its estimated GF Value™ of NPR777.84. GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.

Key valuation signals for XNEP:SWBBL:

  • Scaled Net Operating Assets: 0.32
  • GF Value™: NPR777.84 vs. price of NPR697.80 (10.3% below fair value)
  • GF Score™: 90/100 with 1 warning sign

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

Swabalamban Laghubitta Bittiyanstha Business Description

Address KamalPokhari street, Kathmandu, NPL, 44600
Swabalamban Laghubitta Bittiya Sanstha Ltd is a microfinance development bank in Nepal that provides sustainable financial services, prominently microcredit and savings products. The company's offerings include loans, savings, Insurance Services, Interest Rates, and Credit Plus Activities. The primary objective of the company is to provide the disadvantaged section of the rural poor with easy access to credit. The company has identified seven segments: Koshi Province, Madesh Province, Bagmati Province, Gandaki Province, Lumbini Province, Karnali Province and Sudurpaschim Province. The majority of interest revenue is derived from the Madesh Province.
90GF Score

Get the complete analysis for XNEP:SWBBL

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

NPR697.80
Price
NPR777.84
GF Value