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.
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. NMB Microfinance Bittiyanstha's annualized net income for the quarter that ended in Apr. 2026 was NPR208.5 Mil. NMB Microfinance Bittiyanstha's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR1,018.5 Mil. Therefore, NMB Microfinance Bittiyanstha's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 20.47%.
The historical rank and industry rank for NMB Microfinance Bittiyanstha's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:NMBMF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5.5 Med: 13.51 Max: 38.05
Current: 11.27
During the past 11 years, NMB Microfinance Bittiyanstha's highest Return-on-Tangible-Equity was 38.05%. The lowest was -5.50%. And the median was 13.51%.
XNEP:NMBMF's Return-on-Tangible-Equity is ranked better than 64.26% of 526
companies
in the Credit Services industry
Industry Median: 7.055
vs XNEP:NMBMF: 11.27
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.
NMB Microfinance Bittiyanstha Return-on-Tangible-Equity Related Terms
NMB Microfinance 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:NMBMF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, NMB Microfinance 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.
NMB Microfinance Bittiyanstha Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where NMB Microfinance 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 20.47% mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Return-on-Tangible-Equity of 20.47% 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 NMB Microfinance Bittiyanstha and its competitors. This is 52% above median its historical median of 13.51. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #188 out of 526 companies in the Credit Services industry, placing it in the top 35.7%.
Is NMB Microfinance Bittiyanstha's Return-on-Tangible-Equity too high?
NMB Microfinance Bittiyanstha's current Return-on-Tangible-Equity of 20.47% is 52% above median its 10-year median of 13.51. The Credit Services industry median Return-on-Tangible-Equity is 7.06. NMB Microfinance Bittiyanstha's value of 20.47% is 190.1% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #188 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #188 out of 526 companies for Return-on-Tangible-Equity. This puts NMB Microfinance Bittiyanstha in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. NMB Microfinance Bittiyanstha's value of 20.47% is 190.1% above this benchmark. While the company's 10-year median is 13.51 vs. the industry median of 7.06, NMB Microfinance 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 526 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. NMB Microfinance Bittiyanstha's current Return-on-Tangible-Equity of 20.47% is 190.1% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current Return-on-Tangible-Equity is 20.47%, which is 52% above median its own 10-year median of 13.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,179.97, compared to a current price of NPR635.00 — trading 70.9% below its estimated fair value. The current Return-on-Tangible-Equity is 20.47%, which is 52% above median its 10-year median of 13.51 and 190.1% above the Credit Services industry median of 7.06. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Return-on-Tangible-Equity is 20.47% 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR635.00 is trading 70.9% below its estimated GF Value™ of NPR2,179.97.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
Return-on-Tangible-Equity: 20.47% (52% above median its 10-year median of 13.51)
GF Value™: NPR2,179.97 vs. price of NPR635.00 (70.9% below fair value)
Industry Position: 190.1% above the Credit Services median (#188 of 526)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiyanstha Business Description
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
Get the complete analysis for XNEP:NMBMF
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:NMBMF has been successfully added to your 
