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NLG Insurance CoXNEP:NLG +2.42%81 Return-on-Tangible-Asset is 0.98% as of Jul. 2026, which is 80% below its 10-year median of 4.88. GuruFocus rates XNEP:NLG with a GF Score™ of 81/100 and a GF Value™ of NPR724.24 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 503 Insurance companies, NLG Insurance Co ranks worse than 80.52% 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. NLG Insurance Co's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR92 Mil. NLG Insurance Co's average total tangible assets for the quarter that ended in Jul. 2026 was NPR9,429 Mil. Therefore, NLG Insurance Co's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2026 was 0.98%.
The historical rank and industry rank for NLG Insurance Co's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:NLG'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.61 Med: 4.88 Max: 8.67
Current: 0.61
During the past 13 years, NLG Insurance Co's highest Return-on-Tangible-Asset was 8.67%. The lowest was 0.61%. And the median was 4.88%.
XNEP:NLG's Return-on-Tangible-Asset is ranked worse than 80.52% of 503
companies
in the Insurance industry
Industry Median: 2.85
vs XNEP:NLG: 0.61
NLG Insurance Co (XNEP:NLG) 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.
NLG Insurance Co Return-on-Tangible-Asset Related Terms
NLG Insurance Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for NLG Insurance Co'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.
XNEP:NLG vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, NLG Insurance Co'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.
NLG Insurance Co Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, NLG Insurance Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where NLG Insurance Co'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 0.98% mean?
NLG Insurance Co (XNEP:NLG) has a Return-on-Tangible-Asset of 0.98% 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 NLG Insurance Co and its competitors. This is 80% below median its historical median of 4.88. Over the past decade, NLG Insurance Co's Return-on-Tangible-Asset has ranged from 0.61 to 8.67. According to the industry distribution chart, NLG Insurance Co ranks #405 out of 503 companies in the Insurance industry, placing it in the top 80.5%.
Is NLG Insurance Co's Return-on-Tangible-Asset too high?
NLG Insurance Co's current Return-on-Tangible-Asset of 0.98% is 80% below median its 10-year median of 4.88. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 8.67. The Insurance industry median Return-on-Tangible-Asset is 2.85. NLG Insurance Co's value of 0.98% is 65.6% below this industry median. Based on the distribution chart, NLG Insurance Co ranks #405 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NLG Insurance Co has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NLG Insurance Co's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NLG Insurance Co ranks #405 out of 503 companies for Return-on-Tangible-Asset. This places NLG Insurance Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.85. NLG Insurance Co's value of 0.98% is 65.6% below this benchmark. Historically, NLG Insurance Co's own Return-on-Tangible-Asset has ranged from 0.61 to 8.67 over the past decade. While the company's 10-year median is 4.88 vs. the industry median of 2.85, NLG Insurance Co 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. NLG Insurance Co's current Return-on-Tangible-Asset of 0.98% is 65.6% 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 NLG Insurance Co 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. NLG Insurance Co's current Return-on-Tangible-Asset is 0.98%, which is 80% below median its own 10-year median of 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLG Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, NLG Insurance Co (XNEP:NLG) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR724.24, compared to a current price of NPR516.50 — trading 28.7% below its estimated fair value. The current Return-on-Tangible-Asset is 0.98%, which is 80% below median its 10-year median of 4.88 and 65.6% below the Insurance industry median of 2.85. NLG Insurance Co's overall GF Score™ is 81/100 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 NLG Insurance Co (XNEP:NLG), the current Return-on-Tangible-Asset is 0.98% 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 NLG Insurance Co (XNEP:NLG) Overvalued in 2026?
Based on GuruFocus' analysis, NLG Insurance Co stock appears to be undervalued.
The current stock price of NPR516.50 is trading 28.7% below its estimated GF Value™ of NPR724.24.
GuruFocus considers NLG Insurance Co to be Modestly Undervalued.
Key valuation signals for XNEP:NLG:
Return-on-Tangible-Asset: 0.98% (80% below median its 10-year median of 4.88)
GF Value™: NPR724.24 vs. price of NPR516.50 (28.7% below fair value)
Industry Position: 65.6% below the Insurance median (#405 of 503)
No single metric tells the full story. See the XNEP:NLG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NLG Insurance Co Ltd is a composite insurance company. It provides non-life insurance products. The company's offerings include Motor, Property, Engineering, Marine, Aviation, Agriculture, and Miscellaneous Insurance.
81GF Score
Get the complete analysis for XNEP:NLG
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