ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NMB Microfinance Bittiyanstha's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR208.5 Mil.
NMB Microfinance Bittiyanstha's average Total Assets over the quarter that ended in Apr. 2026 was NPR8,672.0 Mil. Therefore, NMB Microfinance Bittiyanstha's annualized ROA % for the quarter that ended in Apr. 2026 was 2.40%.
The historical rank and industry rank for NMB Microfinance Bittiyanstha's ROA % or its related term are showing as below:
XNEP:NMBMF'
s ROA % Range Over the Past 10 Years
Min: -0.94 Med: 1.75 Max: 3.96
Current: 1.4
During the past 11 years, NMB Microfinance Bittiyanstha's highest ROA % was 3.96%. The lowest was -0.94%. And the median was 1.75%.
XNEP:NMBMF's ROA % is ranked worse than 54.86% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs XNEP:NMBMF: 1.40
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.
NMB Microfinance Bittiyanstha ROA % Related Terms
NMB Microfinance 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 Credit Services subindustry, NMB Microfinance 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.
NMB Microfinance Bittiyanstha ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's ROA % distribution charts can be found below:
* The bar in red indicates where NMB Microfinance 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.
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a ROA % of 2.40% 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 NMB Microfinance Bittiyanstha and its competitors. This is 37% above median its historical median of 1.75. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #299 out of 545 companies in the Credit Services industry, placing it in the top 54.9%.
Is NMB Microfinance Bittiyanstha's ROA % too high?
NMB Microfinance Bittiyanstha's current ROA % of 2.40% is 37% above median its 10-year median of 1.75. The Credit Services industry median ROA % is 1.92. NMB Microfinance Bittiyanstha's value of 2.40% is 25% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #299 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #299 out of 545 companies for ROA %. This places NMB Microfinance Bittiyanstha in the lower half of its industry. The industry median ROA % is 1.92. NMB Microfinance Bittiyanstha's value of 2.40% is 25% above this benchmark. While the company's 10-year median is 1.75 vs. the industry median of 1.92, NMB Microfinance 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 Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 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. NMB Microfinance Bittiyanstha's current ROA % of 2.40% is 25% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current ROA % is 2.40%, which is 37% above median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,186.33, compared to a current price of NPR628.70 — trading 71.2% below its estimated fair value. The current ROA % is 2.40%, which is 37% above median its 10-year median of 1.75 and 25% above the Credit Services industry median of 1.92. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current ROA % is 2.40% 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR628.70 is trading 71.2% below its estimated GF Value™ of NPR2,186.33.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
ROA %: 2.40% (37% above median its 10-year median of 1.75)
GF Value™: NPR2,186.33 vs. price of NPR628.70 (71.2% below fair value)
Industry Position: 25% above the Credit Services median (#299 of 545)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiyanstha Business Description
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
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