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.
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.
Life Insurance NepalXNEP:LICN +0.43%75 Return-on-Tangible-Asset is 0.22% as of Jul. 2026, which is 68% below its 10-year median of 0.69. GuruFocus rates XNEP:LICN with a GF Score™ of 75/100 and a GF Value™ of NPR672.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 503 Insurance companies, Life Insurance Nepal ranks worse than 87.28% 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. Life Insurance Nepal's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR341 Mil. Life Insurance Nepal's average total tangible assets for the quarter that ended in Jul. 2026 was NPR157,293 Mil. Therefore, Life Insurance Nepal's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2026 was 0.22%.
The historical rank and industry rank for Life Insurance Nepal's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:LICN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.23 Med: 0.69 Max: 3.14
Current: 0.27
During the past 13 years, Life Insurance Nepal's highest Return-on-Tangible-Asset was 3.14%. The lowest was 0.23%. And the median was 0.69%.
XNEP:LICN's Return-on-Tangible-Asset is ranked worse than 87.28% of 503
companies
in the Insurance industry
Industry Median: 2.85
vs XNEP:LICN: 0.27
Life Insurance Nepal (XNEP:LICN) 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.
Life Insurance Nepal Return-on-Tangible-Asset Related Terms
Life Insurance Nepal Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Life Insurance Nepal'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.
Life Insurance Nepal Return-on-Tangible-Asset Chart
XNEP:LICN vs MET, AFL, PRU: Return-on-Tangible-Asset Comparison
For the Insurance - Life subindustry, Life Insurance Nepal'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.
Life Insurance Nepal Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Life Insurance Nepal's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Life Insurance Nepal'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 0.22% mean?
Life Insurance Nepal (XNEP:LICN) has a Return-on-Tangible-Asset of 0.22% 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 Life Insurance Nepal and its competitors. This is 68% below median its historical median of 0.69. Over the past decade, Life Insurance Nepal's Return-on-Tangible-Asset has ranged from 0.23 to 3.14. According to the industry distribution chart, Life Insurance Nepal ranks #439 out of 503 companies in the Insurance industry, placing it in the top 87.3%.
Is Life Insurance Nepal's Return-on-Tangible-Asset too high?
Life Insurance Nepal's current Return-on-Tangible-Asset of 0.22% is 68% below median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 3.14. The Insurance industry median Return-on-Tangible-Asset is 2.85. Life Insurance Nepal's value of 0.22% is 92.3% below this industry median. Based on the distribution chart, Life Insurance Nepal ranks #439 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Life Insurance Nepal has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Life Insurance Nepal's Return-on-Tangible-Asset compare to MET and AFL?
According to the Insurance industry distribution chart, Life Insurance Nepal ranks #439 out of 503 companies for Return-on-Tangible-Asset. This places Life Insurance Nepal in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.85. Life Insurance Nepal's value of 0.22% is 92.3% below this benchmark. Historically, Life Insurance Nepal's own Return-on-Tangible-Asset has ranged from 0.23 to 3.14 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 2.85, Life Insurance Nepal 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 an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.85, based on 503 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. Life Insurance Nepal's current Return-on-Tangible-Asset of 0.22% is 92.3% 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 Life Insurance Nepal and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Life Insurance Nepal's current Return-on-Tangible-Asset is 0.22%, which is 68% below median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Life Insurance Nepal stock overvalued right now?
Based on GuruFocus' analysis, Life Insurance Nepal (XNEP:LICN) is currently considered Modestly Overvalued. The stock's GF Value™ is NPR672.48, compared to a current price of NPR754.90 — trading 12.3% above its estimated fair value. The current Return-on-Tangible-Asset is 0.22%, which is 68% below median its 10-year median of 0.69 and 92.3% below the Insurance industry median of 2.85. Life Insurance Nepal's overall GF Score™ is 75/100 with 4 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 Life Insurance Nepal (XNEP:LICN), the current Return-on-Tangible-Asset is 0.22% 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 Life Insurance Nepal (XNEP:LICN) Overvalued in 2026?
Based on GuruFocus' analysis, Life Insurance Nepal stock appears to be overvalued.
The current stock price of NPR754.90 is trading 12.3% above its estimated GF Value™ of NPR672.48.
GuruFocus considers Life Insurance Nepal to be Modestly Overvalued.
Key valuation signals for XNEP:LICN:
Return-on-Tangible-Asset: 0.22% (68% below median its 10-year median of 0.69)
GF Value™: NPR672.48 vs. price of NPR754.90 (12.3% above fair value)
Industry Position: 92.3% below the Insurance median (#439 of 503)
No single metric tells the full story. See the XNEP:LICN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Life Insurance Corp Nepal Ltd is engaged in the life insurance business in Nepal, providing participating and non-participating life insurance products through its provincial offices, branches, sub-branches, and network of agents. Its product portfolio includes endowment plans, child plans, and money-back plans, and it provides services such as reviving lapsed policies, policy loans, nominations, and bonuses to policyholders. Revenue is mainly generated from premiums and investments, including regular and single-premium collections, returns from investments in equities, bonds, and other financial instruments, service-related fees, and commission on reinsurance ceded.
75GF Score
Get the complete analysis for XNEP:LICN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:LICN has been successfully added to your 
