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Prabhu BankXNEP:PRVU 61 Return-on-Tangible-Asset is 0.21% as of Apr. 2026, which is 76% below its 10-year median of 0.86. GuruFocus rates XNEP:PRVU with a GF Score™ of 61/100 and a GF Value™ of NPR135.61 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Prabhu Bank ranks better than 59.93% 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. Prabhu Bank's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR862 Mil. Prabhu Bank's average total tangible assets for the quarter that ended in Apr. 2026 was NPR408,441 Mil. Therefore, Prabhu Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Apr. 2026 was 0.21%.
The historical rank and industry rank for Prabhu Bank's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:PRVU'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.86 Max: 1.85
Current: 1.18
During the past 10 years, Prabhu Bank's highest Return-on-Tangible-Asset was 1.85%. The lowest was 0.12%. And the median was 0.86%.
XNEP:PRVU's Return-on-Tangible-Asset is ranked better than 59.93% of 1525
companies
in the Banks industry
Industry Median: 1.03
vs XNEP:PRVU: 1.18
Prabhu Bank (XNEP:PRVU) 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.
Prabhu Bank Return-on-Tangible-Asset Related Terms
Prabhu Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Prabhu 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.
Prabhu Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Prabhu 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.
Prabhu Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Prabhu Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Prabhu 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 0.21% mean?
Prabhu Bank (XNEP:PRVU) has a Return-on-Tangible-Asset of 0.21% 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 Prabhu Bank and its competitors. This is 76% below median its historical median of 0.86. Over the past decade, Prabhu Bank's Return-on-Tangible-Asset has ranged from 0.12 to 1.85. According to the industry distribution chart, Prabhu Bank ranks #611 out of 1525 companies in the Banks industry, placing it in the top 40.1%.
Is Prabhu Bank's Return-on-Tangible-Asset too high?
Prabhu Bank's current Return-on-Tangible-Asset of 0.21% is 76% below median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.85. The Banks industry median Return-on-Tangible-Asset is 1.03. Prabhu Bank's value of 0.21% is 79.6% below this industry median. Based on the distribution chart, Prabhu Bank ranks #611 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Prabhu Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Prabhu Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Prabhu Bank ranks #611 out of 1525 companies for Return-on-Tangible-Asset. This puts Prabhu Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Prabhu Bank's value of 0.21% is 79.6% below this benchmark. Historically, Prabhu Bank's own Return-on-Tangible-Asset has ranged from 0.12 to 1.85 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.03, Prabhu Bank 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 a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,525 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. Prabhu Bank's current Return-on-Tangible-Asset of 0.21% is 79.6% 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 Prabhu 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. Prabhu Bank's current Return-on-Tangible-Asset is 0.21%, which is 76% below median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prabhu Bank stock overvalued right now?
Based on GuruFocus' analysis, Prabhu Bank (XNEP:PRVU) is currently considered Significantly Overvalued. The stock's GF Value™ is NPR135.61, compared to a current price of NPR183.00 — trading 34.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.21%, which is 76% below median its 10-year median of 0.86 and 79.6% below the Banks industry median of 1.03. Prabhu Bank's overall GF Score™ is 61/100 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 Prabhu Bank (XNEP:PRVU), the current Return-on-Tangible-Asset is 0.21% 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 Prabhu Bank (XNEP:PRVU) Overvalued in 2026?
Based on GuruFocus' analysis, Prabhu Bank stock appears to be overvalued.
The current stock price of NPR183.00 is trading 34.9% above its estimated GF Value™ of NPR135.61.
GuruFocus considers Prabhu Bank to be Significantly Overvalued.
Key valuation signals for XNEP:PRVU:
Return-on-Tangible-Asset: 0.21% (76% below median its 10-year median of 0.86)
GF Value™: NPR135.61 vs. price of NPR183.00 (34.9% above fair value)
Industry Position: 79.6% below the Banks median (#611 of 1525)
No single metric tells the full story. See the XNEP:PRVU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prabhu Bank Ltd is a banking and financial company in Nepal. It provides a full range of banking, agency, and investment services for personal and corporate customers. Its services include offering deposit schemes, loans and advances, Foreign exchange facilities, Trade financing, Inward/outward remittances, market-making for government securities, and letters of credits, among others. Along with its subsidiaries, the company operates in four segments: Treasury & Remittance, Alternate Delivery Channel, Trade operations, and Banking. A majority of its revenue is generated from the Banking segment which involves providing full-fledged commercial banking services to its customers.
61GF Score
Get the complete analysis for XNEP:PRVU
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