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Machhapuchchhre BankXNEP:MBL -0.40%68 Return-on-Tangible-Asset is 1.07% as of Apr. 2026, which is 5% below its 10-year median of 1.13. GuruFocus rates XNEP:MBL with a GF Score™ of 68/100 and a GF Value™ of NPR255.05 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Machhapuchchhre Bank ranks better than 56.49% 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. Machhapuchchhre Bank's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR2,615 Mil. Machhapuchchhre Bank's average total tangible assets for the quarter that ended in Apr. 2026 was NPR243,731 Mil. Therefore, Machhapuchchhre Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Apr. 2026 was 1.07%.
The historical rank and industry rank for Machhapuchchhre Bank's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:MBL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.55 Med: 1.13 Max: 1.95
Current: 1.12
During the past 13 years, Machhapuchchhre Bank's highest Return-on-Tangible-Asset was 1.95%. The lowest was 0.55%. And the median was 1.13%.
XNEP:MBL's Return-on-Tangible-Asset is ranked better than 56.49% of 1526
companies
in the Banks industry
Industry Median: 1.03
vs XNEP:MBL: 1.12
Machhapuchchhre Bank (XNEP:MBL) 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.
Machhapuchchhre Bank Return-on-Tangible-Asset Related Terms
Machhapuchchhre Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Machhapuchchhre 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.
Machhapuchchhre Bank Return-on-Tangible-Asset Chart
Machhapuchchhre Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Machhapuchchhre 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.
Machhapuchchhre Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Machhapuchchhre Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Machhapuchchhre 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 1.07% mean?
Machhapuchchhre Bank (XNEP:MBL) has a Return-on-Tangible-Asset of 1.07% 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 Machhapuchchhre Bank and its competitors. This is near median its historical median of 1.13. Over the past decade, Machhapuchchhre Bank's Return-on-Tangible-Asset has ranged from 0.55 to 1.95. According to the industry distribution chart, Machhapuchchhre Bank ranks #664 out of 1526 companies in the Banks industry, placing it in the top 43.5%.
Is Machhapuchchhre Bank's Return-on-Tangible-Asset too high?
Machhapuchchhre Bank's current Return-on-Tangible-Asset of 1.07% is near median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.95. The Banks industry median Return-on-Tangible-Asset is 1.03. Machhapuchchhre Bank's value of 1.07% is 3.9% above this industry median. Based on the distribution chart, Machhapuchchhre Bank ranks #664 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Machhapuchchhre Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Machhapuchchhre Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Machhapuchchhre Bank ranks #664 out of 1526 companies for Return-on-Tangible-Asset. This puts Machhapuchchhre Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Machhapuchchhre Bank's value of 1.07% is 3.9% above this benchmark. Historically, Machhapuchchhre Bank's own Return-on-Tangible-Asset has ranged from 0.55 to 1.95 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.03, Machhapuchchhre Bank has consistently been above 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. Machhapuchchhre Bank's current Return-on-Tangible-Asset of 1.07% is 3.9% above 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 Machhapuchchhre 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. Machhapuchchhre Bank's current Return-on-Tangible-Asset is 1.07%, which is near median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Machhapuchchhre Bank stock overvalued right now?
Based on GuruFocus' analysis, Machhapuchchhre Bank (XNEP:MBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR255.05, compared to a current price of NPR250.00 — trading 2% below its estimated fair value. The current Return-on-Tangible-Asset is 1.07%, which is near median its 10-year median of 1.13 and 3.9% above the Banks industry median of 1.03. Machhapuchchhre Bank's overall GF Score™ is 68/100 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 Machhapuchchhre Bank (XNEP:MBL), the current Return-on-Tangible-Asset is 1.07% 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 Machhapuchchhre Bank (XNEP:MBL) Overvalued in 2026?
Based on GuruFocus' analysis, Machhapuchchhre Bank stock appears to be undervalued.
The current stock price of NPR250.00 is trading 2% below its estimated GF Value™ of NPR255.05.
GuruFocus considers Machhapuchchhre Bank to be Fairly Valued.
Key valuation signals for XNEP:MBL:
Return-on-Tangible-Asset: 1.07% (near median its 10-year median of 1.13)
GF Value™: NPR255.05 vs. price of NPR250.00 (2% below fair value)
Industry Position: 3.9% above the Banks median (#664 of 1526)
No single metric tells the full story. See the XNEP:MBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Machhapuchchhre Bank Ltd provides commercial banking services in Nepal. Its products and services cover deposits, loans, visa debit cards, mobile money, SME banking, remittance services, ATM services, internet banking, locker facility, and trade products. The bank also launched loan products for small-scale farmers, youths, and women entrepreneurs involved in small businesses. Its operating segment includes Banking, Treasury; Transaction Banking and Others. The company generates maximum revenue from the Banking segment.
68GF Score
Get the complete analysis for XNEP:MBL
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