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Shangri-La Development BankXNEP:SADBL +0.49%94 Return-on-Tangible-Asset is 2.49% as of Jul. 2026, which is 149% above its 10-year median of 1.00. GuruFocus rates XNEP:SADBL with a GF Score™ of 94/100 and a GF Value™ of NPR473.36 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, Shangri-La Development Bank ranks better than 71.13% 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. Shangri-La Development Bank's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR1,622 Mil. Shangri-La Development Bank's average total tangible assets for the quarter that ended in Jul. 2026 was NPR65,085 Mil. Therefore, Shangri-La Development Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2026 was 2.49%.
The historical rank and industry rank for Shangri-La Development Bank's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:SADBL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.46 Med: 1 Max: 2.48
Current: 1.39
During the past 13 years, Shangri-La Development Bank's highest Return-on-Tangible-Asset was 2.48%. The lowest was 0.46%. And the median was 1.00%.
XNEP:SADBL's Return-on-Tangible-Asset is ranked better than 71.13% of 1517
companies
in the Banks industry
Industry Median: 1.03
vs XNEP:SADBL: 1.39
Shangri-La Development Bank (XNEP:SADBL) 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.
Shangri-La Development Bank Return-on-Tangible-Asset Related Terms
Shangri-La Development Bank 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.
Shangri-La Development Bank Return-on-Tangible-Asset Chart
Shangri-La Development Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Shangri-La Development 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.
Shangri-La Development Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Shangri-La Development Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Shangri-La Development 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. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.49% mean?
Shangri-La Development Bank (XNEP:SADBL) has a Return-on-Tangible-Asset of 2.49% 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 Shangri-La Development Bank and its competitors. This is 149% above median its historical median of 1.00. Over the past decade, Shangri-La Development Bank's Return-on-Tangible-Asset has ranged from 0.46 to 2.48. According to the industry distribution chart, Shangri-La Development Bank ranks #438 out of 1517 companies in the Banks industry, placing it in the top 28.9%.
Is Shangri-La Development Bank's Return-on-Tangible-Asset too high?
Shangri-La Development Bank's current Return-on-Tangible-Asset of 2.49% is 149% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 2.48. The Banks industry median Return-on-Tangible-Asset is 1.03. Shangri-La Development Bank's value of 2.49% is 141.7% above this industry median. Based on the distribution chart, Shangri-La Development Bank ranks #438 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Shangri-La Development Bank has a GF Score™ of 94/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shangri-La Development Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Shangri-La Development Bank ranks #438 out of 1517 companies for Return-on-Tangible-Asset. This puts Shangri-La Development Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Shangri-La Development Bank's value of 2.49% is 141.7% above this benchmark. Historically, Shangri-La Development Bank's own Return-on-Tangible-Asset has ranged from 0.46 to 2.48 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.03, Shangri-La Development 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 1,517 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. Shangri-La Development Bank's current Return-on-Tangible-Asset of 2.49% is 141.7% 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 Shangri-La Development 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. Shangri-La Development Bank's current Return-on-Tangible-Asset is 2.49%, which is 149% above median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shangri-La Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Shangri-La Development Bank (XNEP:SADBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR473.36, compared to a current price of NPR411.00 — trading 13.2% below its estimated fair value. The current Return-on-Tangible-Asset is 2.49%, which is 149% above median its 10-year median of 1.00 and 141.7% above the Banks industry median of 1.03. Shangri-La Development Bank's overall GF Score™ is 94/100 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 Shangri-La Development Bank (XNEP:SADBL), the current Return-on-Tangible-Asset is 2.49% 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 Shangri-La Development Bank (XNEP:SADBL) Overvalued in 2026?
Based on GuruFocus' analysis, Shangri-La Development Bank stock appears to be undervalued.
The current stock price of NPR411.00 is trading 13.2% below its estimated GF Value™ of NPR473.36.
GuruFocus considers Shangri-La Development Bank to be Modestly Undervalued.
Key valuation signals for XNEP:SADBL:
Return-on-Tangible-Asset: 2.49% (149% above median its 10-year median of 1.00)
GF Value™: NPR473.36 vs. price of NPR411.00 (13.2% below fair value)
Industry Position: 141.7% above the Banks median (#438 of 1517)
No single metric tells the full story. See the XNEP:SADBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shangri-La Development Bank Ltd provides banking products and services in Nepal. The bank is engaged in three operating segments which include core banking, treasury, digital banking. It generates a majority of its revenue from the core banking segment. The core banking segment generates the majority of revenue, providing deposit accounts and loans. The treasury segment manages liquidity and investments in government bonds and shares. The digital banking segment focuses on domestic and foreign remittance services for customers.
94GF Score
Get the complete analysis for XNEP:SADBL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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