ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Central Finance Co's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR-9.0 Mil.
Central Finance Co's average Total Assets over the quarter that ended in Apr. 2026 was NPR9,561.7 Mil. Therefore, Central Finance Co's annualized ROA % for the quarter that ended in Apr. 2026 was 0.00%.
The historical rank and industry rank for Central Finance Co's ROA % or its related term are showing as below:
XNEP:CFCL'
s ROA % Range Over the Past 10 Years
Min: -4.02 Med: 1.71 Max: 3.28
Current: 1.21
During the past 12 years, Central Finance Co's highest ROA % was 3.28%. The lowest was -4.02%. And the median was 1.71%.
XNEP:CFCL's ROA % is ranked better than 64.71% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs XNEP:CFCL: 1.21
Central Finance Co (XNEP:CFCL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Central Finance Co ROA % Related Terms
Central Finance Co ROA % Historical Data
* Premium members only.
The historical data trend for Central Finance Co's ROA % 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.
For the Banks - Regional subindustry, Central Finance Co's ROA %, along with its competitors' market caps and ROA % 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.
Central Finance Co ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Central Finance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Central Finance Co's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Central Finance Co (XNEP:CFCL) has a ROA % of 0.00% as of Apr. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Central Finance Co and its competitors. According to the industry distribution chart, Central Finance Co ranks #540 out of 1530 companies in the Banks industry, placing it in the top 35.3%.
Is Central Finance Co's ROA % too high?
Central Finance Co's current ROA % is 0.00%. Based on the distribution chart, Central Finance Co ranks #540 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Central Finance Co has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Central Finance Co's ROA % compare to competitors?
According to the Banks industry distribution chart, Central Finance Co ranks #540 out of 1530 companies for ROA %. This puts Central Finance Co in the upper half of its industry. The industry median ROA % is 0.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Central Finance Co and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Finance Co's current ROA % 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 Central Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Central Finance Co (XNEP:CFCL) is currently considered Fairly Valued. The stock's GF Value™ is NPR600.75, compared to a current price of NPR620.00 — trading 3.2% above its estimated fair value. The current ROA % is 0.00%. Central Finance Co's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Central Finance Co (XNEP:CFCL), the current ROA % is 0.00% 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 Central Finance Co (XNEP:CFCL) Overvalued in 2026?
Based on GuruFocus' analysis, Central Finance Co stock appears to be overvalued.
The current stock price of NPR620.00 is trading 3.2% above its estimated GF Value™ of NPR600.75.
GuruFocus considers Central Finance Co to be Fairly Valued.
Key valuation signals for XNEP:CFCL:
ROA %: 0.00%
GF Value™: NPR600.75 vs. price of NPR620.00 (3.2% above fair value)
No single metric tells the full story. See the XNEP:CFCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Finance Co Ltd operates as a financial services company in Nepal. It accepts deposits, issues loans, issues, and processes debit cards, and is engaged in investing and trading securities, as well as performing other activities. The company offers a range of financial products and services to a wide range of clients encompassing individuals, mid-markets, and corporates. The company identifies operating segments based on its geographical presence in seven provinces in Nepal, which are Bagmati Pradesh, its key revenue-generating segment, Koshi, Madhesh Pradesh, Lumbini, Gandaki, Karnali, and Sudurpachim.
61GF Score
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