Dhaulagiri Laghubitta Bittiyanstha (XNEP:DLBS) Net Interest Margin (Bank Only) %: % (As of . 20)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:DLBS Dhaulagiri Laghubitta Bittiya Sanstha Ltd XNEP:DLBS
24 GF Score
Price NPR1,214.00
View Full Analysis

What is Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) %?

Dhaulagiri Laghubitta Bittiyanstha XNEP:DLBS +2.71% 24 Net Interest Margin (Bank Only) % is % as of . 20. GuruFocus rates XNEP:DLBS with a GF Score™ of 24/100.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Dhaulagiri Laghubitta Bittiyanstha's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was NPR Mil. Dhaulagiri Laghubitta Bittiyanstha's average earning assets for the quarter that ended in . 20 was NPR Mil. Therefore, Dhaulagiri Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Dhaulagiri Laghubitta Bittiyanstha  (XNEP:DLBS) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Related Terms


Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % can be seen below:

* 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.

Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Chart

Dhaulagiri Laghubitta Bittiyanstha Annual Data
Trend
Net Interest Margin (Bank Only) %

Dhaulagiri Laghubitta Bittiyanstha Semi-Annual Data
Net Interest Margin (Bank Only) %

Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Competitor Comparison

For the Banks - Regional subindustry, Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % falls into.


XNEP:DLBS
24GF Score
Dhaulagiri Laghubitta Bittiya Sanstha Ltd XNEP:DLBS
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dhaulagiri Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Dhaulagiri Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Dhaulagiri Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of % mean?
Dhaulagiri Laghubitta Bittiyanstha (XNEP:DLBS) has a Net Interest Margin (Bank Only) % of % as of . 20. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Dhaulagiri Laghubitta Bittiyanstha and its competitors.
Is Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % too high?
Dhaulagiri Laghubitta Bittiyanstha's current Net Interest Margin (Bank Only) % is %. Overall, Dhaulagiri Laghubitta Bittiyanstha has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % compare to competitors?
Dhaulagiri Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % of % 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 Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Dhaulagiri Laghubitta Bittiyanstha and its competitors. Dhaulagiri Laghubitta Bittiyanstha's current Net Interest Margin (Bank Only) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhaulagiri Laghubitta Bittiyanstha stock overvalued right now?
Dhaulagiri Laghubitta Bittiyanstha (XNEP:DLBS) has a current Net Interest Margin (Bank Only) % of %. The current Net Interest Margin (Bank Only) % is %. Dhaulagiri Laghubitta Bittiyanstha's overall GF Score™ is 24/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Dhaulagiri Laghubitta Bittiyanstha (XNEP:DLBS), the current Net Interest Margin (Bank Only) % is % as of . 20. 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.

Dhaulagiri Laghubitta Bittiyanstha Business Description

Address Balgung Municipality 2, Shreenagar Tole Baglung, Kathmandu, NPL
Dhaulagiri Laghubitta Bittiya Sanstha Ltd is a microfinance institution. Its services include loans, savings, security services and others.
24GF Score

Get the complete analysis for XNEP:DLBS

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR1,214.00
Price