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Himalayan BankXNEP:HBL 59 Return-on-Tangible-Asset is 0.71% as of Jul. 2026, which is 25% below its 10-year median of 0.95. GuruFocus rates XNEP:HBL with a GF Score™ of 59/100 and a GF Value™ of NPR153.87 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,518 Banks companies, Himalayan Bank ranks worse than 83.86% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Himalayan Bank's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR2,960 Mil. Himalayan Bank's average total tangible assets for the quarter that ended in Jul. 2026 was NPR416,558 Mil. Therefore, Himalayan Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2026 was 0.71%.
The historical rank and industry rank for Himalayan Bank's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:HBL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.95 Max: 2.23
Current: 0.38
During the past 8 years, Himalayan Bank's highest Return-on-Tangible-Asset was 2.23%. The lowest was 0.11%. And the median was 0.95%.
XNEP:HBL's Return-on-Tangible-Asset is ranked worse than 83.86% of 1518
companies
in the Banks industry
Industry Median: 1.03
vs XNEP:HBL: 0.38
Himalayan Bank (XNEP:HBL) 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.
Himalayan Bank Return-on-Tangible-Asset Related Terms
Himalayan Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Himalayan Bank's Return-on-Tangible-Asset 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.
Himalayan Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Himalayan 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.
Himalayan Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Himalayan 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 (Jul. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.71% mean?
Himalayan Bank (XNEP:HBL) has a Return-on-Tangible-Asset of 0.71% as of Jul. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Himalayan Bank and its competitors. This is 25% below median its historical median of 0.95. Over the past decade, Himalayan Bank's Return-on-Tangible-Asset has ranged from 0.11 to 2.23. According to the industry distribution chart, Himalayan Bank ranks #1273 out of 1518 companies in the Banks industry, placing it in the top 83.9%.
Is Himalayan Bank's Return-on-Tangible-Asset too high?
Himalayan Bank's current Return-on-Tangible-Asset of 0.71% is 25% below median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 2.23. The Banks industry median Return-on-Tangible-Asset is 1.03. Himalayan Bank's value of 0.71% is 31.1% below this industry median. Based on the distribution chart, Himalayan Bank ranks #1273 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Himalayan Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #1273 out of 1518 companies for Return-on-Tangible-Asset. This places Himalayan Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Himalayan Bank's value of 0.71% is 31.1% below this benchmark. Historically, Himalayan Bank's own Return-on-Tangible-Asset has ranged from 0.11 to 2.23 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 1.03, Himalayan 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 1,518 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. Himalayan Bank's current Return-on-Tangible-Asset of 0.71% is 31.1% 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 Himalayan 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. Himalayan Bank's current Return-on-Tangible-Asset is 0.71%, which is 25% below median its own 10-year median of 0.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Modestly Overvalued. The stock's GF Value™ is NPR153.87, compared to a current price of NPR187.60 — trading 21.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.71%, which is 25% below median its 10-year median of 0.95 and 31.1% below the Banks industry median of 1.03. Himalayan Bank's overall GF Score™ is 59/100 with 3 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 Himalayan Bank (XNEP:HBL), the current Return-on-Tangible-Asset is 0.71% as of Jul. 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 Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be overvalued.
The current stock price of NPR187.60 is trading 21.9% above its estimated GF Value™ of NPR153.87.
GuruFocus considers Himalayan Bank to be Modestly Overvalued.
Key valuation signals for XNEP:HBL:
Return-on-Tangible-Asset: 0.71% (25% below median its 10-year median of 0.95)
GF Value™: NPR153.87 vs. price of NPR187.60 (21.9% above fair value)
Industry Position: 31.1% below the Banks median (#1273 of 1518)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
59GF Score
Get the complete analysis for XNEP:HBL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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