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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Mahila Laghubitta Bittiyanstha's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR109.7 Mil.
Mahila Laghubitta Bittiyanstha's average Total Assets over the quarter that ended in Jul. 2026 was NPR5,638.9 Mil. Therefore, Mahila Laghubitta Bittiyanstha's annualized ROA % for the quarter that ended in Jul. 2026 was 1.95%.
The historical rank and industry rank for Mahila Laghubitta Bittiyanstha's ROA % or its related term are showing as below:
XNEP:MLBSL'
s ROA % Range Over the Past 10 Years
Min: -3.86 Med: 1.25 Max: 2.62
Current: 1.45
During the past 7 years, Mahila Laghubitta Bittiyanstha's highest ROA % was 2.62%. The lowest was -3.86%. And the median was 1.25%.
XNEP:MLBSL's ROA % is ranked better than 74.57% of 1526
companies
in the Banks industry
Industry Median: 1.015
vs XNEP:MLBSL: 1.45
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 (Jul. 2026) net income data. The Revenue data used here is four times the quarterly (Jul. 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.
Mahila Laghubitta Bittiyanstha ROA % Related Terms
Mahila 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, Mahila 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.
Mahila Laghubitta Bittiyanstha ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Mahila Laghubitta Bittiyanstha's ROA % distribution charts can be found below:
* The bar in red indicates where Mahila 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 (Jul. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) has a ROA % of 1.95% as of Jul. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mahila Laghubitta Bittiyanstha and its competitors. This is 56% above median its historical median of 1.25. According to the industry distribution chart, Mahila Laghubitta Bittiyanstha ranks #388 out of 1526 companies in the Banks industry, placing it in the top 25.4%.
Is Mahila Laghubitta Bittiyanstha's ROA % too high?
Mahila Laghubitta Bittiyanstha's current ROA % of 1.95% is 56% above median its 10-year median of 1.25. The Banks industry median ROA % is 1.02. Mahila Laghubitta Bittiyanstha's value of 1.95% is 92.1% above this industry median. Based on the distribution chart, Mahila Laghubitta Bittiyanstha ranks #388 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Mahila Laghubitta Bittiyanstha has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mahila Laghubitta Bittiyanstha's ROA % compare to competitors?
According to the Banks industry distribution chart, Mahila Laghubitta Bittiyanstha ranks #388 out of 1526 companies for ROA %. This puts Mahila Laghubitta Bittiyanstha in the upper half of its industry. The industry median ROA % is 1.02. Mahila Laghubitta Bittiyanstha's value of 1.95% is 92.1% above this benchmark. While the company's 10-year median is 1.25 vs. the industry median of 1.02, Mahila Laghubitta Bittiyanstha 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 1.02, based on 1,526 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. Mahila Laghubitta Bittiyanstha's current ROA % of 1.95% is 92.1% 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 Mahila Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median ROA % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mahila Laghubitta Bittiyanstha's current ROA % is 1.95%, which is 56% above median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mahila Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR3,276.31, compared to a current price of NPR1,184.20 — trading 63.9% below its estimated fair value. The current ROA % is 1.95%, which is 56% above median its 10-year median of 1.25 and 92.1% above the Banks industry median of 1.02. Mahila Laghubitta Bittiyanstha's overall GF Score™ is 80/100. 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 Mahila Laghubitta Bittiyanstha (XNEP:MLBSL), the current ROA % is 1.95% 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 Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) Overvalued in 2026?
Based on GuruFocus' analysis, Mahila Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR1,184.20 is trading 63.9% below its estimated GF Value™ of NPR3,276.31.
GuruFocus considers Mahila Laghubitta Bittiyanstha to be Significantly Undervalued.
Key valuation signals for XNEP:MLBSL:
ROA %: 1.95% (56% above median its 10-year median of 1.25)
GF Value™: NPR3,276.31 vs. price of NPR1,184.20 (63.9% below fair value)
Industry Position: 92.1% above the Banks median (#388 of 1526)
No single metric tells the full story. See the XNEP:MLBSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mahila Laghubitta Bittiya Sanstha Ltd is a financial institution that provides microfinance services in rural and select urban areas of Nepal, targeting low-income and underprivileged populations. It delivers services through branch offices located in various regions across the country. The company's offerings include Saving Products, Loan Products, Scheme, Remittance, Mobile Banking and Digital Partner.
80GF Score
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