Upakar Laghubitta Bittiyanstha (XNEP:ULBSL) Return-on-Tangible-Equity: 0.00% (As of . 20)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XNEP:ULBSL Upakar Laghubitta Bittiya Sanstha Ltd XNEP:ULBSL
34 GF Score
Price NPR2,926.00
View Full Analysis

What is Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity?

Upakar Laghubitta Bittiyanstha XNEP:ULBSL 34 Return-on-Tangible-Equity is 0.00% as of . 20. GuruFocus rates XNEP:ULBSL with a GF Score™ of 34/100. Among 1,514 Banks companies, Upakar Laghubitta Bittiyanstha ranks worse than 66050.13% 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. Upakar Laghubitta Bittiyanstha's annualized net income for the quarter that ended in . 20 was NPR Mil. Upakar Laghubitta Bittiyanstha's average shareholder tangible equity for the quarter that ended in . 20 was NPR Mil. Therefore, Upakar Laghubitta Bittiyanstha's annualized Return-on-Tangible-Equity for the quarter that ended in . 20 was %.

The historical rank and industry rank for Upakar Laghubitta Bittiyanstha's Return-on-Tangible-Equity or its related term are showing as below:

XNEP:ULBSL's Return-on-Tangible-Equity is not ranked *
in the Banks industry.
Industry Median: 11.455
* Ranked among companies with meaningful Return-on-Tangible-Equity only.

Upakar Laghubitta Bittiyanstha  (XNEP:ULBSL) 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.


Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity Related Terms


Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity Historical Data

* Premium members only.

The historical data trend for Upakar Laghubitta Bittiyanstha'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.

Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity Chart

Upakar Laghubitta Bittiyanstha Annual Data
Trend
Return-on-Tangible-Equity

Upakar Laghubitta Bittiyanstha Semi-Annual Data
Return-on-Tangible-Equity

Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity Competitor Comparison

For the Banks - Regional subindustry, Upakar 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.


Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Upakar Laghubitta Bittiyanstha's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Upakar Laghubitta Bittiyanstha's Return-on-Tangible-Equity falls into.


XNEP:ULBSL
34GF Score
Upakar Laghubitta Bittiya Sanstha Ltd XNEP:ULBSL
Return-on-Tangible-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Upakar Laghubitta Bittiyanstha Return-on-Tangible-Equity Calculation

Upakar Laghubitta Bittiyanstha's annualized Return-on-Tangible-Equity for the fiscal year that ended in . 20 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: . 20 )  (A: . 20 )(A: . 20 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: . 20 )  (A: . 20 )(A: . 20 )
=/( (+ )/ )
=/
= %

Upakar Laghubitta Bittiyanstha's annualized Return-on-Tangible-Equity for the quarter that ended in . 20 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: . 20 )  (Q: . 20 )(Q: . 20 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: . 20 )  (Q: . 20 )(Q: . 20 )
=/( (+)/ )
=/
= %

* 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 one times the annual (. 20) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.

What does a Return-on-Tangible-Equity of 0.00% mean?
Upakar Laghubitta Bittiyanstha (XNEP:ULBSL) has a Return-on-Tangible-Equity of 0.00% as of . 20. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Upakar Laghubitta Bittiyanstha and its competitors. According to the industry distribution chart, Upakar Laghubitta Bittiyanstha ranks #999999 out of 1514 companies in the Banks industry.
Is Upakar Laghubitta Bittiyanstha's Return-on-Tangible-Equity too high?
Upakar Laghubitta Bittiyanstha's current Return-on-Tangible-Equity is 0.00%. Based on the distribution chart, Upakar Laghubitta Bittiyanstha ranks #999999 out of 1514 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Upakar Laghubitta Bittiyanstha has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Upakar Laghubitta Bittiyanstha's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Upakar Laghubitta Bittiyanstha ranks #999999 out of 1514 companies for Return-on-Tangible-Equity. This places Upakar Laghubitta Bittiyanstha in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.46. 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 11.46, based on 1,514 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. 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 Upakar Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upakar Laghubitta Bittiyanstha's current Return-on-Tangible-Equity is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upakar Laghubitta Bittiyanstha stock overvalued right now?
Upakar Laghubitta Bittiyanstha (XNEP:ULBSL) has a current Return-on-Tangible-Equity of 0.00%. The current Return-on-Tangible-Equity is 0.00%. Upakar Laghubitta Bittiyanstha's overall GF Score™ is 34/100. 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 Upakar Laghubitta Bittiyanstha (XNEP:ULBSL), the current Return-on-Tangible-Equity is 0.00% as of . 20. 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.

Upakar Laghubitta Bittiyanstha Business Description

Address Pipal Chautara, Banke District, Kohalpur, NPL, 11
Upakar Laghubitta Bittiya Sanstha Ltd is a Financial Institution which operates with thirty three branches in ten districts of Lumbini Province Nepal. It provides services such as loans , deposits/ savings schemes, insurance solutions and remittance service which offers a swift, secure, and convenient financial solution tailored specifically for microfinance members.
34GF Score

Get the complete analysis for XNEP:ULBSL

Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR2,926.00
Price