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The historical rank and industry rank for Jeevan Bikas Laghubitta Bittiyanstha's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:JBLB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.55 Med: 30.88 Max: 43.8
Current: 23.52
During the past 7 years, Jeevan Bikas Laghubitta Bittiyanstha's highest Return-on-Tangible-Equity was 43.80%. The lowest was 6.55%. And the median was 30.88%.
XNEP:JBLB's Return-on-Tangible-Equity is ranked better than 93.62% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs XNEP:JBLB: 23.52
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.
Jeevan Bikas Laghubitta Bittiyanstha Return-on-Tangible-Equity Related Terms
Jeevan Bikas Laghubitta Bittiyanstha Return-on-Tangible-Equity 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:JBLB vs : Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Jeevan Bikas Laghubitta Bittiyanstha'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.
Jeevan Bikas Laghubitta Bittiyanstha Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jeevan Bikas Laghubitta Bittiyanstha's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jeevan Bikas Laghubitta Bittiyanstha'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 21.81% mean?
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) has a Return-on-Tangible-Equity of 21.81% 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 Jeevan Bikas Laghubitta Bittiyanstha and its competitors. This is 29% below median its historical median of 30.88. Over the past decade, Jeevan Bikas Laghubitta Bittiyanstha's Return-on-Tangible-Equity has ranged from 6.55 to 43.80. According to the industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #97 out of 1521 companies in the Banks industry, placing it in the top 6.4%.
Is Jeevan Bikas Laghubitta Bittiyanstha's Return-on-Tangible-Equity too high?
Jeevan Bikas Laghubitta Bittiyanstha's current Return-on-Tangible-Equity of 21.81% is 29% below median its 10-year median of 30.88. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 43.80. The Banks industry median Return-on-Tangible-Equity is 11.38. Jeevan Bikas Laghubitta Bittiyanstha's value of 21.81% is 91.7% above this industry median. Based on the distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #97 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jeevan Bikas Laghubitta Bittiyanstha has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jeevan Bikas Laghubitta Bittiyanstha's Return-on-Tangible-Equity compare to ?
According to the Banks industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #97 out of 1521 companies for Return-on-Tangible-Equity. This places Jeevan Bikas Laghubitta Bittiyanstha in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. Jeevan Bikas Laghubitta Bittiyanstha's value of 21.81% is 91.7% above this benchmark. Historically, Jeevan Bikas Laghubitta Bittiyanstha's own Return-on-Tangible-Equity has ranged from 6.55 to 43.80 over the past decade. While the company's 10-year median is 30.88 vs. the industry median of 11.38, Jeevan Bikas Laghubitta 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,521 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. Jeevan Bikas Laghubitta Bittiyanstha's current Return-on-Tangible-Equity of 21.81% is 91.7% 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-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 Jeevan Bikas Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jeevan Bikas Laghubitta Bittiyanstha's current Return-on-Tangible-Equity is 21.81%, which is 29% below median its own 10-year median of 30.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeevan Bikas Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) is currently considered Fairly Valued. The stock's GF Value™ is NPR1,284.96, compared to a current price of NPR1,263.40 — trading 1.7% below its estimated fair value. The current Return-on-Tangible-Equity is 21.81%, which is 29% below median its 10-year median of 30.88 and 91.7% above the Banks industry median of 11.38. Jeevan Bikas Laghubitta Bittiyanstha's overall GF Score™ is 89/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB), the current Return-on-Tangible-Equity is 21.81% 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR1,263.40 is trading 1.7% below its estimated GF Value™ of NPR1,284.96.
GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:JBLB:
Return-on-Tangible-Equity: 21.81% (29% below median its 10-year median of 30.88)
GF Value™: NPR1,284.96 vs. price of NPR1,263.40 (1.7% below fair value)
Industry Position: 91.7% above the Banks median (#97 of 1521)
No single metric tells the full story. See the XNEP:JBLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
89GF Score
Get the complete analysis for XNEP:JBLB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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