ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Kalika Laghubitta Bittiyanstha's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR-278.0 Mil.
Kalika Laghubitta Bittiyanstha's average Total Assets over the quarter that ended in Apr. 2026 was NPR5,376.7 Mil. Therefore, Kalika Laghubitta Bittiyanstha's annualized ROA % for the quarter that ended in Apr. 2026 was 0.00%.
The historical rank and industry rank for Kalika Laghubitta Bittiyanstha's ROA % or its related term are showing as below:
XNEP:KMCDB'
s ROA % Range Over the Past 10 Years
Min: 0.15 Med: 2.08 Max: 5.89
Current: 0.41
During the past 11 years, Kalika Laghubitta Bittiyanstha's highest ROA % was 5.89%. The lowest was 0.15%. And the median was 2.08%.
XNEP:KMCDB's ROA % is ranked worse than 82.25% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs XNEP:KMCDB: 0.41
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.
Kalika Laghubitta Bittiyanstha ROA % Related Terms
Kalika Laghubitta Bittiyanstha ROA % Historical 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.
For the Banks - Regional subindustry, Kalika Laghubitta Bittiyanstha'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.
Kalika Laghubitta Bittiyanstha ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Kalika Laghubitta Bittiyanstha's ROA % distribution charts can be found below:
* The bar in red indicates where Kalika Laghubitta Bittiyanstha'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.
Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) 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 Kalika Laghubitta Bittiyanstha and its competitors. Over the past decade, Kalika Laghubitta Bittiyanstha's ROA % has ranged from 0.15 to 5.89. According to the industry distribution chart, Kalika Laghubitta Bittiyanstha ranks #1260 out of 1532 companies in the Banks industry, placing it in the top 82.2%.
Is Kalika Laghubitta Bittiyanstha's ROA % too high?
Kalika Laghubitta Bittiyanstha's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 5.89. Based on the distribution chart, Kalika Laghubitta Bittiyanstha ranks #1260 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Kalika Laghubitta Bittiyanstha has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kalika Laghubitta Bittiyanstha's ROA % compare to competitors?
According to the Banks industry distribution chart, Kalika Laghubitta Bittiyanstha ranks #1260 out of 1532 companies for ROA %. This places Kalika Laghubitta Bittiyanstha in the lower half of its industry. The industry median ROA % is 0.98. Historically, Kalika Laghubitta Bittiyanstha's own ROA % has ranged from 0.15 to 5.89 over the past decade. 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 1,532 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 Kalika Laghubitta Bittiyanstha 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. Kalika Laghubitta Bittiyanstha'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 Kalika Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR1,164.96, compared to a current price of NPR800.00 — trading 31.3% below its estimated fair value. The current ROA % is 0.00%. Kalika Laghubitta Bittiyanstha's overall GF Score™ is 74/100 with 2 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 Kalika Laghubitta Bittiyanstha (XNEP:KMCDB), 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 Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Overvalued in 2026?
Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR800.00 is trading 31.3% below its estimated GF Value™ of NPR1,164.96.
GuruFocus considers Kalika Laghubitta Bittiyanstha to be Significantly Undervalued.
Key valuation signals for XNEP:KMCDB:
ROA %: 0.00%
GF Value™: NPR1,164.96 vs. price of NPR800.00 (31.3% below fair value)
No single metric tells the full story. See the XNEP:KMCDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kalika Laghubitta Bittiyanstha Business Description
Kalika Laghubitta Bittiya Sanstha Ltd is a licensed bank in Nepal. It provides retail microfinance services to the economically and socially disadvantaged and deprived people. It offers saving products including compulsory saving, personal saving, pension saving, festival saving, and optional saving. It also offers loan products including general loans, collateral loans, emergency loans, micro-entrepreneur loans, and group agricultural loans.
74GF Score
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