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Nepal SBI BankXNEP:SBI +0.97%79 Return-on-Tangible-Equity is 10.59% as of Jul. 2026, which is 1% below its 10-year median of 10.68. GuruFocus rates XNEP:SBI with a GF Score™ of 79/100 and a GF Value™ of NPR401.93 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,520 Banks companies, Nepal SBI Bank ranks worse than 60.2% 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. Nepal SBI Bank's annualized net income for the quarter that ended in Jul. 2026 was NPR2,314 Mil. Nepal SBI Bank's average shareholder tangible equity for the quarter that ended in Jul. 2026 was NPR21,850 Mil. Therefore, Nepal SBI Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jul. 2026 was 10.59%.
The historical rank and industry rank for Nepal SBI Bank's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:SBI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.51 Med: 10.68 Max: 18.09
Current: 9.61
During the past 13 years, Nepal SBI Bank's highest Return-on-Tangible-Equity was 18.09%. The lowest was 6.51%. And the median was 10.68%.
XNEP:SBI's Return-on-Tangible-Equity is ranked worse than 60.2% of 1520
companies
in the Banks industry
Industry Median: 11.44
vs XNEP:SBI: 9.61
Nepal SBI Bank (XNEP:SBI) 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.
Nepal SBI Bank Return-on-Tangible-Equity Related Terms
Nepal SBI Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Nepal SBI 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.
Nepal SBI Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Nepal SBI 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.
Nepal SBI Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Nepal SBI Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Nepal SBI 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 (Jul. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.59% mean?
Nepal SBI Bank (XNEP:SBI) has a Return-on-Tangible-Equity of 10.59% as of Jul. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Nepal SBI Bank and its competitors. This is near median its historical median of 10.68. Over the past decade, Nepal SBI Bank's Return-on-Tangible-Equity has ranged from 6.51 to 18.09. According to the industry distribution chart, Nepal SBI Bank ranks #915 out of 1520 companies in the Banks industry, placing it in the top 60.2%.
Is Nepal SBI Bank's Return-on-Tangible-Equity too high?
Nepal SBI Bank's current Return-on-Tangible-Equity of 10.59% is near median its 10-year median of 10.68. Over the past 10 years, this metric has ranged from a low of 6.51 to a high of 18.09. The Banks industry median Return-on-Tangible-Equity is 11.44. Nepal SBI Bank's value of 10.59% is 7.4% below this industry median. Based on the distribution chart, Nepal SBI Bank ranks #915 out of 1520 companies in the Banks industry, which is below the industry midpoint. Overall, Nepal SBI Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Nepal SBI Bank ranks #915 out of 1520 companies for Return-on-Tangible-Equity. This places Nepal SBI Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.44. Nepal SBI Bank's value of 10.59% is 7.4% below this benchmark. Historically, Nepal SBI Bank's own Return-on-Tangible-Equity has ranged from 6.51 to 18.09 over the past decade. While the company's 10-year median is 10.68 vs. the industry median of 11.44, Nepal SBI Bank 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 11.44, based on 1,520 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. Nepal SBI Bank's current Return-on-Tangible-Equity of 10.59% is 7.4% 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 Nepal SBI Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nepal SBI Bank's current Return-on-Tangible-Equity is 10.59%, which is near median its own 10-year median of 10.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.93, compared to a current price of NPR404.90 — trading 0.7% above its estimated fair value. The current Return-on-Tangible-Equity is 10.59%, which is near median its 10-year median of 10.68 and 7.4% below the Banks industry median of 11.44. Nepal SBI Bank'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 Nepal SBI Bank (XNEP:SBI), the current Return-on-Tangible-Equity is 10.59% as of Jul. 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 Nepal SBI Bank (XNEP:SBI) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be overvalued.
The current stock price of NPR404.90 is trading 0.7% above its estimated GF Value™ of NPR401.93.
GuruFocus considers Nepal SBI Bank to be Fairly Valued.
Key valuation signals for XNEP:SBI:
Return-on-Tangible-Equity: 10.59% (near median its 10-year median of 10.68)
GF Value™: NPR401.93 vs. price of NPR404.90 (0.7% above fair value)
Industry Position: 7.4% below the Banks median (#915 of 1520)
No single metric tells the full story. See the XNEP:SBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
79GF Score
Get the complete analysis for XNEP:SBI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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