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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. Nepal Investment Bank's annualizedNet Income for the quarter that ended in Jul. 2025 was NPR9,091 Mil. Nepal Investment Bank's average total tangible assets for the quarter that ended in Jul. 2025 was NPR558,709 Mil. Therefore, Nepal Investment Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2025 was 1.63%.
The historical rank and industry rank for Nepal Investment Bank's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:NIB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.9 Med: 1.67 Max: 2.78
Current: 1.29
During the past 13 years, Nepal Investment Bank's highest Return-on-Tangible-Asset was 2.78%. The lowest was 0.90%. And the median was 1.67%.
XNEP:NIB's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 1.01
vs XNEP:NIB: 1.29
Nepal Investment Bank (XNEP:NIB) 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.
Nepal Investment Bank Return-on-Tangible-Asset Related Terms
Nepal Investment Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Nepal Investment 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.
Nepal Investment Bank Return-on-Tangible-Asset Chart
Nepal Investment Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Nepal Investment 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.
Nepal Investment Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Nepal Investment Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Nepal Investment 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. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.63% mean?
Nepal Investment Bank (XNEP:NIB) has a Return-on-Tangible-Asset of 1.63% as of Jul. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Nepal Investment Bank and its competitors. This is near median its historical median of 1.67. Over the past decade, Nepal Investment Bank's Return-on-Tangible-Asset has ranged from 0.90 to 2.78.
Is Nepal Investment Bank's Return-on-Tangible-Asset too high?
Nepal Investment Bank's current Return-on-Tangible-Asset of 1.63% is near median its 10-year median of 1.67. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 2.78. The Banks industry median Return-on-Tangible-Asset is 1.01. Nepal Investment Bank's value of 1.63% is 61.4% above this industry median. Overall, Nepal Investment Bank has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Nepal Investment Bank's Return-on-Tangible-Asset compare to competitors?
Nepal Investment Bank's Return-on-Tangible-Asset of 1.63% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 1.01. Nepal Investment Bank's value of 1.63% is 61.4% above this benchmark. Historically, Nepal Investment Bank's own Return-on-Tangible-Asset has ranged from 0.90 to 2.78 over the past decade. While the company's 10-year median is 1.67 vs. the industry median of 1.01, Nepal Investment 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 1.01, based on 1,528 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. Nepal Investment Bank's current Return-on-Tangible-Asset of 1.63% is 61.4% 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 Nepal Investment Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nepal Investment Bank's current Return-on-Tangible-Asset is 1.63%, which is near median its own 10-year median of 1.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Investment Bank stock overvalued right now?
Nepal Investment Bank (XNEP:NIB) has a current Return-on-Tangible-Asset of 1.63%. The stock's GF Value™ is NPR320.00, compared to a current price of NPR251.00 — trading 21.6% below its estimated fair value. The current Return-on-Tangible-Asset is 1.63%, which is near median its 10-year median of 1.67 and 61.4% above the Banks industry median of 1.01. Nepal Investment Bank's overall GF Score™ is 25/100 with 1 warning sign 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 Nepal Investment Bank (XNEP:NIB), the current Return-on-Tangible-Asset is 1.63% as of Jul. 2025. 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 Nepal Investment Bank (XNEP:NIB) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal Investment Bank stock appears to be undervalued.
The current stock price of NPR251.00 is trading 21.6% below its estimated GF Value™ of NPR320.00.
Key valuation signals for XNEP:NIB:
Return-on-Tangible-Asset: 1.63% (near median its 10-year median of 1.67)
GF Value™: NPR320.00 vs. price of NPR251.00 (21.6% below fair value)
No single metric tells the full story. See the XNEP:NIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal Investment Bank Ltd is in the business of retail and corporate banking products and services. The bank's business segments are engaged in banking operations, treasury functions, trade finance business, remittance business and card operations. The bank operates in Nepal.
25GF Score
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