Garima Bikas Bank Ltd provides standard banking services in Nepal. The company's services includes acceptance of deposits, corporate and retail credit, hire purchase financing, micro credit, trade financing, personal and corporate banking, foreign currency transactions and other banking activities. Along with its subsidiary, it is also engaged in Merchant Banking business and provides the service of Depository Participants and Portfolio Management Service. Its segments include, Regular Banking, Treasury Functions and Transaction Banking with majority of the revenue being generated from the Regular Banking segment.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	6.85
Equity-to-Asset	0.1
Debt-to-Equity	0.11
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.4	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	16.6
	3-Year EPS without NRI Growth Rate	21
	3-Year FCF Growth Rate	-8.4
	3-Year Book Growth Rate	18.5

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.91
	9-Day RSI	48.14
	14-Day RSI	48.95
	6-1 Month Momentum %	12.69
	12-1 Month Momentum %	26.66

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.11
	Dividend Payout Ratio	0.02
	3-Year Dividend Growth Rate	45
	Forward Dividend Yield %	0.11
	5-Year Yield-on-Cost %	0.11
	3-Year Average Share Buyback Ratio	-2.5
	Shareholder Yield %	0.52

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	24.04
	FCF Margin %	149.45
	ROE %	8.62
	ROA %	0.77
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	17.48
	PE Ratio without NRI	17.48
	Shiller PE Ratio	22.51
	Price-to-Owner-Earnings	20.01
	PEG Ratio	1.01
	PS Ratio	3.74
	PB Ratio	0.69
	Price-to-Tangible-Book	0.7
	Price-to-Free-Cash-Flow	5.64
	Price-to-Operating-Cash-Flow	5.57
	EV-to-Revenue	6.42
	EV-to-FCF	4.3
	Price-to-Projected-FCF	0.72
	Price-to-Peter-Lynch-Fair-Value	0.7
	Price-to-Graham-Number	0.59
	FCF Yield %	17.76
	Forward Rate of Return (Yacktman) %	28.31

GF Value: NPR434.14

XNEP:GBBL

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