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Agriculture Development BankXNEP:ADBL +0.30%55 Return-on-Tangible-Asset is 0.70% as of Apr. 2026, which is 62% below its 10-year median of 1.85. GuruFocus rates XNEP:ADBL with a GF Score™ of 55/100 and a GF Value™ of NPR675.22 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Agriculture Development Bank ranks worse than 52.29% on this metric.
Agriculture Development Bank (XNEP:ADBL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Agriculture Development Bank Return-on-Tangible-Asset Related Terms
Agriculture Development Bank Return-on-Tangible-Asset Historical Data
* 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.
Agriculture Development Bank Return-on-Tangible-Asset Chart
Agriculture Development Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Agriculture Development Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Agriculture Development Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Agriculture Development Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Agriculture Development Bank's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Apr. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.70% mean?
Agriculture Development Bank (XNEP:ADBL) has a Return-on-Tangible-Asset of 0.70% as of Apr. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Agriculture Development Bank and its competitors. This is 62% below median its historical median of 1.85. Over the past decade, Agriculture Development Bank's Return-on-Tangible-Asset has ranged from 0.52 to 2.86. According to the industry distribution chart, Agriculture Development Bank ranks #798 out of 1526 companies in the Banks industry, placing it in the top 52.3%.
Is Agriculture Development Bank's Return-on-Tangible-Asset too high?
Agriculture Development Bank's current Return-on-Tangible-Asset of 0.70% is 62% below median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 2.86. The Banks industry median Return-on-Tangible-Asset is 1.03. Agriculture Development Bank's value of 0.70% is 32% below this industry median. Based on the distribution chart, Agriculture Development Bank ranks #798 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Agriculture Development Bank has a GF Score™ of 55/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Agriculture Development Bank ranks #798 out of 1526 companies for Return-on-Tangible-Asset. This places Agriculture Development Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Agriculture Development Bank's value of 0.70% is 32% below this benchmark. Historically, Agriculture Development Bank's own Return-on-Tangible-Asset has ranged from 0.52 to 2.86 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 1.03, Agriculture Development Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agriculture Development Bank's current Return-on-Tangible-Asset of 0.70% is 32% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Agriculture Development Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agriculture Development Bank's current Return-on-Tangible-Asset is 0.70%, which is 62% below median its own 10-year median of 1.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR675.22, compared to a current price of NPR301.00 — trading 55.4% below its estimated fair value. The current Return-on-Tangible-Asset is 0.70%, which is 62% below median its 10-year median of 1.85 and 32% below the Banks industry median of 1.03. Agriculture Development Bank's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Agriculture Development Bank (XNEP:ADBL), the current Return-on-Tangible-Asset is 0.70% 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?
Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued.
The current stock price of NPR301.00 is trading 55.4% below its estimated GF Value™ of NPR675.22.
GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.
Key valuation signals for XNEP:ADBL:
Return-on-Tangible-Asset: 0.70% (62% below median its 10-year median of 1.85)
GF Value™: NPR675.22 vs. price of NPR301.00 (55.4% below fair value)
Industry Position: 32% below the Banks median (#798 of 1526)
No single metric tells the full story. See the XNEP:ADBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
55GF Score
Get the complete analysis for XNEP:ADBL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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