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.
Sanima BankXNEP:SANIMA -0.22%98 Return-on-Tangible-Equity is 15.61% as of Apr. 2026, which is 1% below its 10-year median of 15.71. GuruFocus rates XNEP:SANIMA with a GF Score™ of 98/100 and a GF Value™ of NPR382.38 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,521 Banks companies, Sanima Bank ranks better than 66.21% 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. Sanima Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR3,890 Mil. Sanima Bank's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR24,913 Mil. Therefore, Sanima Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 15.61%.
The historical rank and industry rank for Sanima Bank's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:SANIMA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.91 Med: 15.71 Max: 22.32
Current: 13.89
During the past 13 years, Sanima Bank's highest Return-on-Tangible-Equity was 22.32%. The lowest was 11.91%. And the median was 15.71%.
XNEP:SANIMA's Return-on-Tangible-Equity is ranked better than 66.21% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs XNEP:SANIMA: 13.89
Sanima Bank (XNEP:SANIMA) 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.
Sanima Bank Return-on-Tangible-Equity Related Terms
Sanima Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sanima 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.
Sanima Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Sanima 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.
Sanima Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sanima Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sanima 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 15.61% mean?
Sanima Bank (XNEP:SANIMA) has a Return-on-Tangible-Equity of 15.61% 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 Sanima Bank and its competitors. This is near median its historical median of 15.71. Over the past decade, Sanima Bank's Return-on-Tangible-Equity has ranged from 11.91 to 22.32. According to the industry distribution chart, Sanima Bank ranks #514 out of 1521 companies in the Banks industry, placing it in the top 33.8%.
Is Sanima Bank's Return-on-Tangible-Equity too high?
Sanima Bank's current Return-on-Tangible-Equity of 15.61% is near median its 10-year median of 15.71. Over the past 10 years, this metric has ranged from a low of 11.91 to a high of 22.32. The Banks industry median Return-on-Tangible-Equity is 11.38. Sanima Bank's value of 15.61% is 37.2% above this industry median. Based on the distribution chart, Sanima Bank ranks #514 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Sanima Bank has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sanima Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Sanima Bank ranks #514 out of 1521 companies for Return-on-Tangible-Equity. This puts Sanima Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Sanima Bank's value of 15.61% is 37.2% above this benchmark. Historically, Sanima Bank's own Return-on-Tangible-Equity has ranged from 11.91 to 22.32 over the past decade. While the company's 10-year median is 15.71 vs. the industry median of 11.38, Sanima 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 11.38, 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. Sanima Bank's current Return-on-Tangible-Equity of 15.61% is 37.2% 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 Sanima Bank 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. Sanima Bank's current Return-on-Tangible-Equity is 15.61%, which is near median its own 10-year median of 15.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Bank stock overvalued right now?
Based on GuruFocus' analysis, Sanima Bank (XNEP:SANIMA) is currently considered Fairly Valued. The stock's GF Value™ is NPR382.38, compared to a current price of NPR369.00 — trading 3.5% below its estimated fair value. The current Return-on-Tangible-Equity is 15.61%, which is near median its 10-year median of 15.71 and 37.2% above the Banks industry median of 11.38. Sanima Bank's overall GF Score™ is 98/100 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 Sanima Bank (XNEP:SANIMA), the current Return-on-Tangible-Equity is 15.61% 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 Sanima Bank (XNEP:SANIMA) Overvalued in 2026?
Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued.
The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38.
GuruFocus considers Sanima Bank to be Fairly Valued.
Key valuation signals for XNEP:SANIMA:
Return-on-Tangible-Equity: 15.61% (near median its 10-year median of 15.71)
GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
Industry Position: 37.2% above the Banks median (#514 of 1521)
No single metric tells the full story. See the XNEP:SANIMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score
Get the complete analysis for XNEP:SANIMA
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:SANIMA has been successfully added to your 
