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XNEP:NUBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.65 Med: 26.2 Max: 44.37
Current: 8.85
During the past 13 years, Nirdhan Utthan Laghubitta Bittiyanstha's highest Return-on-Tangible-Equity was 44.37%. The lowest was 3.65%. And the median was 26.20%.
XNEP:NUBL's Return-on-Tangible-Equity is ranked worse than 65.22% of 1518
companies
in the Banks industry
Industry Median: 11.475
vs XNEP:NUBL: 8.85
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.
Nirdhan Utthan Laghubitta Bittiyanstha Return-on-Tangible-Equity Related Terms
Nirdhan Utthan 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.
For the Banks - Regional subindustry, Nirdhan Utthan 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.
Nirdhan Utthan Laghubitta Bittiyanstha Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Nirdhan Utthan Laghubitta Bittiyanstha's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Nirdhan Utthan 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 2.41% mean?
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a Return-on-Tangible-Equity of 2.41% 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 Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. This is 91% below median its historical median of 26.20. Over the past decade, Nirdhan Utthan Laghubitta Bittiyanstha's Return-on-Tangible-Equity has ranged from 3.65 to 44.37. According to the industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #990 out of 1518 companies in the Banks industry, placing it in the top 65.2%.
Is Nirdhan Utthan Laghubitta Bittiyanstha's Return-on-Tangible-Equity too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current Return-on-Tangible-Equity of 2.41% is 91% below median its 10-year median of 26.20. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 44.37. The Banks industry median Return-on-Tangible-Equity is 11.48. Nirdhan Utthan Laghubitta Bittiyanstha's value of 2.41% is 79% below this industry median. Based on the distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #990 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #990 out of 1518 companies for Return-on-Tangible-Equity. This places Nirdhan Utthan Laghubitta Bittiyanstha in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.48. Nirdhan Utthan Laghubitta Bittiyanstha's value of 2.41% is 79% below this benchmark. Historically, Nirdhan Utthan Laghubitta Bittiyanstha's own Return-on-Tangible-Equity has ranged from 3.65 to 44.37 over the past decade. While the company's 10-year median is 26.20 vs. the industry median of 11.48, Nirdhan Utthan Laghubitta Bittiyanstha has consistently been below 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 11.48, based on 1,518 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. Nirdhan Utthan Laghubitta Bittiyanstha's current Return-on-Tangible-Equity of 2.41% is 79% below 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 Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nirdhan Utthan Laghubitta Bittiyanstha's current Return-on-Tangible-Equity is 2.41%, which is 91% below median its own 10-year median of 26.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR616.61, compared to a current price of NPR574.00 — trading 6.9% below its estimated fair value. The current Return-on-Tangible-Equity is 2.41%, which is 91% below median its 10-year median of 26.20 and 79% below the Banks industry median of 11.48. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 79/100 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current Return-on-Tangible-Equity is 2.41% 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61.
GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:NUBL:
Return-on-Tangible-Equity: 2.41% (91% below median its 10-year median of 26.20)
GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
Industry Position: 79% below the Banks median (#990 of 1518)
No single metric tells the full story. See the XNEP:NUBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
79GF Score
Get the complete analysis for XNEP:NUBL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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