Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance and remittance services to low income families to nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions and shareholders fund. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.78
Equity-to-Asset	0.17
Debt-to-Equity	0.8
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	-2.51	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.5
	3-Year EPS without NRI Growth Rate	7.8
	3-Year Book Growth Rate	23.5

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	40.22
	9-Day RSI	42.86
	14-Day RSI	43.32
	6-1 Month Momentum %	7.75
	12-1 Month Momentum %	9.29

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	-46.4
	Shareholder Yield %	10.56

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	14.08
	FCF Margin %	39.6
	ROE %	6.57
	ROA %	1.08
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	62.16
	PE Ratio without NRI	62.16
	Shiller PE Ratio	24.24
	Price-to-Owner-Earnings	61.52
	PEG Ratio	2.36
	PS Ratio	8.77
	PB Ratio	3.86
	Price-to-Tangible-Book	3.86
	Price-to-Free-Cash-Flow	22.13
	Price-to-Operating-Cash-Flow	19.43
	EV-to-Revenue	9.15
	EV-to-FCF	23.11
	Price-to-Projected-FCF	2.15
	Price-to-DCF (Earnings Based)	1.99
	Price-to-DCF (FCF Based)	1.92
	Price-to-Peter-Lynch-Fair-Value	4.42
	Price-to-Graham-Number	3.27
	FCF Yield %	4.52
	Forward Rate of Return (Yacktman) %	16.8

GF Value: NPR628.9

XNEP:NUBL

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