Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Jyoti Bikas BankXNEP:JBBL -0.69%72 Return-on-Tangible-Equity is 18.25% as of Apr. 2026, which is 50% above its 10-year median of 12.20. GuruFocus rates XNEP:JBBL with a GF Score™ of 72/100 and a GF Value™ of NPR329.76 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, Jyoti Bikas Bank ranks worse than 83.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Jyoti Bikas Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR1,276 Mil. Jyoti Bikas Bank's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR6,994 Mil. Therefore, Jyoti Bikas Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 18.25%.
The historical rank and industry rank for Jyoti Bikas Bank's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:JBBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.75 Med: 12.2 Max: 14.89
Current: 5.02
During the past 13 years, Jyoti Bikas Bank's highest Return-on-Tangible-Equity was 14.89%. The lowest was 1.75%. And the median was 12.20%.
XNEP:JBBL's Return-on-Tangible-Equity is ranked worse than 83.71% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs XNEP:JBBL: 5.02
Jyoti Bikas Bank (XNEP:JBBL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Jyoti Bikas Bank Return-on-Tangible-Equity Related Terms
Jyoti Bikas Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Jyoti Bikas Bank's Return-on-Tangible-Equity 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.
Jyoti Bikas Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Jyoti Bikas Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Jyoti Bikas Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jyoti Bikas Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jyoti Bikas Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.25% mean?
Jyoti Bikas Bank (XNEP:JBBL) has a Return-on-Tangible-Equity of 18.25% as of Apr. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jyoti Bikas Bank and its competitors. This is 50% above median its historical median of 12.20. Over the past decade, Jyoti Bikas Bank's Return-on-Tangible-Equity has ranged from 1.75 to 14.89. According to the industry distribution chart, Jyoti Bikas Bank ranks #1274 out of 1522 companies in the Banks industry, placing it in the top 83.7%.
Is Jyoti Bikas Bank's Return-on-Tangible-Equity too high?
Jyoti Bikas Bank's current Return-on-Tangible-Equity of 18.25% is 50% above median its 10-year median of 12.20. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 14.89. The Banks industry median Return-on-Tangible-Equity is 11.32. Jyoti Bikas Bank's value of 18.25% is 61.3% above this industry median. Based on the distribution chart, Jyoti Bikas Bank ranks #1274 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Jyoti Bikas Bank ranks #1274 out of 1522 companies for Return-on-Tangible-Equity. This places Jyoti Bikas Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.32. Jyoti Bikas Bank's value of 18.25% is 61.3% above this benchmark. Historically, Jyoti Bikas Bank's own Return-on-Tangible-Equity has ranged from 1.75 to 14.89 over the past decade. While the company's 10-year median is 12.20 vs. the industry median of 11.32, Jyoti Bikas 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.32, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jyoti Bikas Bank's current Return-on-Tangible-Equity of 18.25% is 61.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jyoti Bikas Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jyoti Bikas Bank's current Return-on-Tangible-Equity is 18.25%, which is 50% above median its own 10-year median of 12.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.76, compared to a current price of NPR347.20 — trading 5.3% above its estimated fair value. The current Return-on-Tangible-Equity is 18.25%, which is 50% above median its 10-year median of 12.20 and 61.3% above the Banks industry median of 11.32. Jyoti Bikas Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jyoti Bikas Bank (XNEP:JBBL), the current Return-on-Tangible-Equity is 18.25% 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued.
The current stock price of NPR347.20 is trading 5.3% above its estimated GF Value™ of NPR329.76.
GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.
Key valuation signals for XNEP:JBBL:
Return-on-Tangible-Equity: 18.25% (50% above median its 10-year median of 12.20)
GF Value™: NPR329.76 vs. price of NPR347.20 (5.3% above fair value)
Industry Position: 61.3% above the Banks median (#1274 of 1522)
No single metric tells the full story. See the XNEP:JBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score
Get the complete analysis for XNEP:JBBL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:JBBL has been successfully added to your 
