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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.
Nirdhan Utthan Laghubitta Bittiyanstha ROA % Related Terms
Nirdhan Utthan 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, Nirdhan Utthan 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.
Nirdhan Utthan Laghubitta Bittiyanstha ROA % vs Banks Industry
* 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.
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a ROA % of 0.48% 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 Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. This is 86% below median its historical median of 3.41. Over the past decade, Nirdhan Utthan Laghubitta Bittiyanstha's ROA % has ranged from 0.59 to 4.74. According to the industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #221 out of 1522 companies in the Banks industry, placing it in the top 14.5%.
Is Nirdhan Utthan Laghubitta Bittiyanstha's ROA % too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current ROA % of 0.48% is 86% below median its 10-year median of 3.41. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 4.74. The Banks industry median ROA % is 1.02. Nirdhan Utthan Laghubitta Bittiyanstha's value of 0.48% is 52.9% below this industry median. Based on the distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #221 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's ROA % compare to competitors?
According to the Banks industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #221 out of 1522 companies for ROA %. This places Nirdhan Utthan Laghubitta Bittiyanstha in the top 15% of its industry — outperforming the majority of peers. The industry median ROA % is 1.02. Nirdhan Utthan Laghubitta Bittiyanstha's value of 0.48% is 52.9% below this benchmark. Historically, Nirdhan Utthan Laghubitta Bittiyanstha's own ROA % has ranged from 0.59 to 4.74 over the past decade. While the company's 10-year median is 3.41 vs. the industry median of 1.02, Nirdhan Utthan Laghubitta Bittiyanstha has consistently been below 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 1,522 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. Nirdhan Utthan Laghubitta Bittiyanstha's current ROA % of 0.48% is 52.9% below 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 Nirdhan Utthan 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. Nirdhan Utthan Laghubitta Bittiyanstha's current ROA % is 0.48%, which is 86% below median its own 10-year median of 3.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR616.61, compared to a current price of NPR574.00 — trading 6.9% below its estimated fair value. The current ROA % is 0.48%, which is 86% below median its 10-year median of 3.41 and 52.9% below the Banks industry median of 1.02. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 80/100 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current ROA % is 0.48% 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61.
GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:NUBL:
ROA %: 0.48% (86% below median its 10-year median of 3.41)
GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
Industry Position: 52.9% below the Banks median (#221 of 1522)
No single metric tells the full story. See the XNEP:NUBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
80GF Score
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