Kumari BankXNEP:KBL -2.70%76 ROA % is 1.39% as of Apr. 2026, which is 10% above its 10-year median of 1.26. GuruFocus rates XNEP:KBL with a GF Score™ of 76/100 and a GF Value™ of NPR231.86 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Kumari Bank ranks better than 69.67% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Kumari Bank's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR6,458 Mil.
Kumari Bank's average Total Assets over the quarter that ended in Apr. 2026 was NPR464,966 Mil. Therefore, Kumari Bank's annualized ROA % for the quarter that ended in Apr. 2026 was 1.39%.
The historical rank and industry rank for Kumari Bank's ROA % or its related term are showing as below:
XNEP:KBL'
s ROA % Range Over the Past 10 Years
Min: 0.04 Med: 1.26 Max: 1.79
Current: 1.29
During the past 13 years, Kumari Bank's highest ROA % was 1.79%. The lowest was 0.04%. And the median was 1.26%.
XNEP:KBL's ROA % is ranked better than 69.67% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs XNEP:KBL: 1.29
Kumari Bank (XNEP:KBL) 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.
Kumari Bank ROA % Related Terms
Kumari Bank ROA % Historical Data
* Premium members only.
The historical data trend for Kumari Bank'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, Kumari Bank'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.
Kumari Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Kumari Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Kumari Bank'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.
Kumari Bank (XNEP:KBL) has a ROA % of 1.39% 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 Kumari Bank and its competitors. This is 10% above median its historical median of 1.26. Over the past decade, Kumari Bank's ROA % has ranged from 0.04 to 1.79. According to the industry distribution chart, Kumari Bank ranks #464 out of 1530 companies in the Banks industry, placing it in the top 30.3%.
Is Kumari Bank's ROA % too high?
Kumari Bank's current ROA % of 1.39% is 10% above median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 1.79. The Banks industry median ROA % is 0.98. Kumari Bank's value of 1.39% is 41.8% above this industry median. Based on the distribution chart, Kumari Bank ranks #464 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Kumari Bank has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kumari Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Kumari Bank ranks #464 out of 1530 companies for ROA %. This puts Kumari Bank in the upper half of its industry. The industry median ROA % is 0.98. Kumari Bank's value of 1.39% is 41.8% above this benchmark. Historically, Kumari Bank's own ROA % has ranged from 0.04 to 1.79 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 0.98, Kumari 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 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. Kumari Bank's current ROA % of 1.39% is 41.8% 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 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 Kumari Bank 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. Kumari Bank's current ROA % is 1.39%, which is 10% above median its own 10-year median of 1.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kumari Bank stock overvalued right now?
Based on GuruFocus' analysis, Kumari Bank (XNEP:KBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR231.86, compared to a current price of NPR209.10 — trading 9.8% below its estimated fair value. The current ROA % is 1.39%, which is 10% above median its 10-year median of 1.26 and 41.8% above the Banks industry median of 0.98. Kumari Bank's overall GF Score™ is 76/100 with 1 warning sign 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 Kumari Bank (XNEP:KBL), the current ROA % is 1.39% 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 Kumari Bank (XNEP:KBL) Overvalued in 2026?
Based on GuruFocus' analysis, Kumari Bank stock appears to be undervalued.
The current stock price of NPR209.10 is trading 9.8% below its estimated GF Value™ of NPR231.86.
GuruFocus considers Kumari Bank to be Modestly Undervalued.
Key valuation signals for XNEP:KBL:
ROA %: 1.39% (10% above median its 10-year median of 1.26)
GF Value™: NPR231.86 vs. price of NPR209.10 (9.8% below fair value)
Industry Position: 41.8% above the Banks median (#464 of 1530)
No single metric tells the full story. See the XNEP:KBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
76GF Score
Get the complete analysis for XNEP:KBL
ROA % 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:KBL has been successfully added to your 
