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The historical rank and industry rank for NMB Microfinance Bittiyanstha's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:NMBMF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.94 Med: 1.75 Max: 3.96
Current: 1.4
During the past 11 years, NMB Microfinance Bittiyanstha's highest Return-on-Tangible-Asset was 3.96%. The lowest was -0.94%. And the median was 1.75%.
XNEP:NMBMF's Return-on-Tangible-Asset is ranked worse than 56.28% of 549
companies
in the Credit Services industry
Industry Median: 1.97
vs XNEP:NMBMF: 1.40
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.
NMB Microfinance Bittiyanstha Return-on-Tangible-Asset Related Terms
NMB Microfinance Bittiyanstha Return-on-Tangible-Asset Historical Data
* 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:NMBMF vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, NMB Microfinance Bittiyanstha'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.
NMB Microfinance Bittiyanstha Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where NMB Microfinance Bittiyanstha'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 2.40% mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Return-on-Tangible-Asset of 2.40% 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 NMB Microfinance Bittiyanstha and its competitors. This is 37% above median its historical median of 1.75. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #309 out of 549 companies in the Credit Services industry, placing it in the top 56.3%.
Is NMB Microfinance Bittiyanstha's Return-on-Tangible-Asset too high?
NMB Microfinance Bittiyanstha's current Return-on-Tangible-Asset of 2.40% is 37% above median its 10-year median of 1.75. The Credit Services industry median Return-on-Tangible-Asset is 1.97. NMB Microfinance Bittiyanstha's value of 2.40% is 21.8% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #309 out of 549 companies in the Credit Services industry, which is below the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #309 out of 549 companies for Return-on-Tangible-Asset. This places NMB Microfinance Bittiyanstha in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.97. NMB Microfinance Bittiyanstha's value of 2.40% is 21.8% above this benchmark. While the company's 10-year median is 1.75 vs. the industry median of 1.97, NMB Microfinance Bittiyanstha 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 Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.97, based on 549 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. NMB Microfinance Bittiyanstha's current Return-on-Tangible-Asset of 2.40% is 21.8% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current Return-on-Tangible-Asset is 2.40%, which is 37% above median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,173.46, compared to a current price of NPR609.90 — trading 71.9% below its estimated fair value. The current Return-on-Tangible-Asset is 2.40%, which is 37% above median its 10-year median of 1.75 and 21.8% above the Credit Services industry median of 1.97. NMB Microfinance Bittiyanstha's overall GF Score™ is 52/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Return-on-Tangible-Asset is 2.40% 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR609.90 is trading 71.9% below its estimated GF Value™ of NPR2,173.46.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
Return-on-Tangible-Asset: 2.40% (37% above median its 10-year median of 1.75)
GF Value™: NPR2,173.46 vs. price of NPR609.90 (71.9% below fair value)
Industry Position: 21.8% above the Credit Services median (#309 of 549)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
52GF Score
Get the complete analysis for XNEP:NMBMF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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