Nerude Laghubitta Bikas Bank Ltd is engaged in providing micro-financial services in Nepal. The company offers financial services including credit services, saving services, remittance and insurance services. Company's reportable segments are Bardibas Area, Butwal Area and Itahari Area. Majority of revenue is generated from Itahari Area.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.08
Equity-to-Asset	0.12
Debt-to-Equity	4.39
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.64	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	4.2
	3-Year EPS without NRI Growth Rate	1.9
	3-Year Book Growth Rate	15.6

Momentum Rank

	Name	Current	Vs Industry		Vs History
	9-Day RSI	80.79
	14-Day RSI	70.15
	12-1 Month Momentum %	10.39

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	-33.3
	Shareholder Yield %	-2.75

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	1.18
	FCF Margin %	5.15
	ROE %	0.56
	ROA %	0.07
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	61.56
	PE Ratio without NRI	61.56
	Shiller PE Ratio	23.73
	Price-to-Owner-Earnings	60.96
	PEG Ratio	3.56
	PS Ratio	5.6
	PB Ratio	1.64
	Price-to-Tangible-Book	1.64
	Price-to-Free-Cash-Flow	68.15
	Price-to-Operating-Cash-Flow	67.02
	EV-to-Revenue	15.67
	EV-to-FCF	304.28
	Price-to-Projected-FCF	1.93
	Price-to-Median-PS-Value	0.9
	Price-to-Peter-Lynch-Fair-Value	3.7
	Price-to-Graham-Number	2.12
	FCF Yield %	0.73
	Forward Rate of Return (Yacktman) %	16.93

GF Value: NPR996.46

XNEP:NLBBL

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