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Machhapuchchhre BankXNEP:MBL +0.19%71 Return-on-Tangible-Equity is 12.25% as of Apr. 2026, which is 3% below its 10-year median of 12.64. GuruFocus rates XNEP:MBL with a GF Score™ of 71/100 and a GF Value™ of NPR253.78 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,522 Banks companies, Machhapuchchhre Bank ranks better than 60.97% 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. Machhapuchchhre Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR2,615 Mil. Machhapuchchhre Bank's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR21,343 Mil. Therefore, Machhapuchchhre Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 12.25%.
The historical rank and industry rank for Machhapuchchhre Bank's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:MBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.31 Med: 12.64 Max: 19.04
Current: 13.03
During the past 13 years, Machhapuchchhre Bank's highest Return-on-Tangible-Equity was 19.04%. The lowest was 6.31%. And the median was 12.64%.
XNEP:MBL's Return-on-Tangible-Equity is ranked better than 60.97% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs XNEP:MBL: 13.03
Machhapuchchhre Bank (XNEP:MBL) 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.
Machhapuchchhre Bank Return-on-Tangible-Equity Related Terms
Machhapuchchhre Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Machhapuchchhre 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.
Machhapuchchhre Bank Return-on-Tangible-Equity Chart
Machhapuchchhre Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Machhapuchchhre 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.
Machhapuchchhre Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Machhapuchchhre Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Machhapuchchhre 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 12.25% mean?
Machhapuchchhre Bank (XNEP:MBL) has a Return-on-Tangible-Equity of 12.25% 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 Machhapuchchhre Bank and its competitors. This is near median its historical median of 12.64. Over the past decade, Machhapuchchhre Bank's Return-on-Tangible-Equity has ranged from 6.31 to 19.04. According to the industry distribution chart, Machhapuchchhre Bank ranks #594 out of 1522 companies in the Banks industry, placing it in the top 39%.
Is Machhapuchchhre Bank's Return-on-Tangible-Equity too high?
Machhapuchchhre Bank's current Return-on-Tangible-Equity of 12.25% is near median its 10-year median of 12.64. Over the past 10 years, this metric has ranged from a low of 6.31 to a high of 19.04. The Banks industry median Return-on-Tangible-Equity is 11.32. Machhapuchchhre Bank's value of 12.25% is 8.3% above this industry median. Based on the distribution chart, Machhapuchchhre Bank ranks #594 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Machhapuchchhre Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Machhapuchchhre Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Machhapuchchhre Bank ranks #594 out of 1522 companies for Return-on-Tangible-Equity. This puts Machhapuchchhre Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.32. Machhapuchchhre Bank's value of 12.25% is 8.3% above this benchmark. Historically, Machhapuchchhre Bank's own Return-on-Tangible-Equity has ranged from 6.31 to 19.04 over the past decade. While the company's 10-year median is 12.64 vs. the industry median of 11.32, Machhapuchchhre 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. Machhapuchchhre Bank's current Return-on-Tangible-Equity of 12.25% is 8.3% 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 Machhapuchchhre 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. Machhapuchchhre Bank's current Return-on-Tangible-Equity is 12.25%, which is near median its own 10-year median of 12.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Machhapuchchhre Bank stock overvalued right now?
Based on GuruFocus' analysis, Machhapuchchhre Bank (XNEP:MBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR253.78, compared to a current price of NPR261.00 — trading 2.8% above its estimated fair value. The current Return-on-Tangible-Equity is 12.25%, which is near median its 10-year median of 12.64 and 8.3% above the Banks industry median of 11.32. Machhapuchchhre Bank's overall GF Score™ is 71/100 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 Machhapuchchhre Bank (XNEP:MBL), the current Return-on-Tangible-Equity is 12.25% 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 Machhapuchchhre Bank (XNEP:MBL) Overvalued in 2026?
Based on GuruFocus' analysis, Machhapuchchhre Bank stock appears to be overvalued.
The current stock price of NPR261.00 is trading 2.8% above its estimated GF Value™ of NPR253.78.
GuruFocus considers Machhapuchchhre Bank to be Fairly Valued.
Key valuation signals for XNEP:MBL:
Return-on-Tangible-Equity: 12.25% (near median its 10-year median of 12.64)
GF Value™: NPR253.78 vs. price of NPR261.00 (2.8% above fair value)
Industry Position: 8.3% above the Banks median (#594 of 1522)
No single metric tells the full story. See the XNEP:MBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Machhapuchchhre Bank Ltd provides commercial banking services in Nepal. Its products and services cover deposits, loans, visa debit cards, mobile money, SME banking, remittance services, ATM services, internet banking, locker facility, and trade products. The bank also launched loan products for small-scale farmers, youths, and women entrepreneurs involved in small businesses. Its operating segment includes Banking, Treasury; Transaction Banking and Others. The company generates maximum revenue from the Banking segment.
71GF Score
Get the complete analysis for XNEP:MBL
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