NMB Microfinance Bittiyanstha (XNEP:NMBMF) Retained Earnings: NPR-9.5 Mil (As of Apr. 2026)

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XNEP:NMBMF NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
53 GF Score
Price NPR594.00
GF Value NPR2,170.94
Valuation Possible Value Trap
! 2 Warning Signs
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What is NMB Microfinance Bittiyanstha Retained Earnings?

NMB Microfinance Bittiyanstha XNEP:NMBMF -0.64% 53 Retained Earnings is NPR-9.5 Mil as of Apr. 2026. GuruFocus rates XNEP:NMBMF with a GF Score™ of 53/100 and a GF Value™ of NPR2,170.94 (Possible Value Trap). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. NMB Microfinance Bittiyanstha's retained earnings for the quarter that ended in Apr. 2026 was NPR-9.5 Mil.

NMB Microfinance Bittiyanstha's quarterly retained earnings increased from Oct. 2025 (NPR-4.7 Mil) to Jan. 2026 (NPR3.0 Mil) but then declined from Jan. 2026 (NPR3.0 Mil) to Apr. 2026 (NPR-9.5 Mil).

NMB Microfinance Bittiyanstha's annual retained earnings declined from Jul. 2023 (NPR-5.6 Mil) to Jul. 2024 (NPR-63.1 Mil) but then increased from Jul. 2024 (NPR-63.1 Mil) to Jul. 2025 (NPR-60.5 Mil).


NMB Microfinance Bittiyanstha  (XNEP:NMBMF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


NMB Microfinance Bittiyanstha Retained Earnings Historical Data

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The historical data trend for NMB Microfinance Bittiyanstha's Retained Earnings 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.

NMB Microfinance Bittiyanstha Retained Earnings Chart

NMB Microfinance Bittiyanstha Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.30 118.09 -5.56 -63.11 -60.48

NMB Microfinance Bittiyanstha Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 -60.48 -4.69 3.04 -9.48
XNEP:NMBMF
53GF Score
NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Microfinance Bittiyanstha Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of NPR-9.5 Mil mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Retained Earnings of NPR-9.5 Mil as of Apr. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on NMB Microfinance Bittiyanstha and its competitors.
Is NMB Microfinance Bittiyanstha's Retained Earnings too high?
NMB Microfinance Bittiyanstha's current Retained Earnings is NPR-9.5 Mil. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Retained Earnings compare to V and MA?
NMB Microfinance Bittiyanstha's Retained Earnings of NPR-9.5 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on NMB Microfinance Bittiyanstha and its competitors. NMB Microfinance Bittiyanstha's current Retained Earnings is NPR-9.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,170.94, compared to a current price of NPR594.00 — trading 72.6% below its estimated fair value. The current Retained Earnings is NPR-9.5 Mil. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Retained Earnings is NPR-9.5 Mil 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued. The current stock price of NPR594.00 is trading 72.6% below its estimated GF Value™ of NPR2,170.94. GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:NMBMF:

  • Retained Earnings: NPR-9.5 Mil
  • GF Value™: NPR2,170.94 vs. price of NPR594.00 (72.6% below fair value)
  • GF Score™: 53/100 with 2 warning signs

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


NMB Microfinance Bittiyanstha Business Description

Address Street 3, New Road, Zenex Plaza, Kaski, Pokhara, NPL
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score

Get the complete analysis for XNEP:NMBMF

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR594.00
Price
NPR2,170.94
GF Value