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Sanima BankXNEP:SANIMA -0.22%98 ROA % is 1.43% as of Apr. 2026, which is 10% below its 10-year median of 1.59. GuruFocus rates XNEP:SANIMA with a GF Score™ of 98/100 and a GF Value™ of NPR382.38 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, Sanima Bank ranks better than 64.79% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sanima Bank's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR3,890 Mil.
Sanima Bank's average Total Assets over the quarter that ended in Apr. 2026 was NPR272,239 Mil. Therefore, Sanima Bank's annualized ROA % for the quarter that ended in Apr. 2026 was 1.43%.
The historical rank and industry rank for Sanima Bank's ROA % or its related term are showing as below:
XNEP:SANIMA'
s ROA % Range Over the Past 10 Years
Min: 1.06 Med: 1.59 Max: 2.26
Current: 1.24
During the past 13 years, Sanima Bank's highest ROA % was 2.26%. The lowest was 1.06%. And the median was 1.59%.
XNEP:SANIMA's ROA % is ranked better than 64.79% of 1528
companies
in the Banks industry
Industry Median: 1
vs XNEP:SANIMA: 1.24
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.
Sanima Bank ROA % Related Terms
Sanima Bank ROA % Historical Data
* Premium members only.
The historical data trend for Sanima 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, Sanima 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.
Sanima Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Sanima Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Sanima 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.
Sanima Bank (XNEP:SANIMA) has a ROA % of 1.43% 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 Sanima Bank and its competitors. This is 10% below median its historical median of 1.59. Over the past decade, Sanima Bank's ROA % has ranged from 1.06 to 2.26. According to the industry distribution chart, Sanima Bank ranks #538 out of 1528 companies in the Banks industry, placing it in the top 35.2%.
Is Sanima Bank's ROA % too high?
Sanima Bank's current ROA % of 1.43% is 10% below median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 2.26. The Banks industry median ROA % is 1.00. Sanima Bank's value of 1.43% is 43% above this industry median. Based on the distribution chart, Sanima Bank ranks #538 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Sanima Bank has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sanima Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Sanima Bank ranks #538 out of 1528 companies for ROA %. This puts Sanima Bank in the upper half of its industry. The industry median ROA % is 1.00. Sanima Bank's value of 1.43% is 43% above this benchmark. Historically, Sanima Bank's own ROA % has ranged from 1.06 to 2.26 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 1.00, Sanima 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 1.00, based on 1,528 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. Sanima Bank's current ROA % of 1.43% is 43% 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 Sanima Bank and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sanima Bank's current ROA % is 1.43%, which is 10% below median its own 10-year median of 1.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Bank stock overvalued right now?
Based on GuruFocus' analysis, Sanima Bank (XNEP:SANIMA) is currently considered Fairly Valued. The stock's GF Value™ is NPR382.38, compared to a current price of NPR369.00 — trading 3.5% below its estimated fair value. The current ROA % is 1.43%, which is 10% below median its 10-year median of 1.59 and 43% above the Banks industry median of 1.00. Sanima Bank's overall GF Score™ is 98/100 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 Sanima Bank (XNEP:SANIMA), the current ROA % is 1.43% 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 Sanima Bank (XNEP:SANIMA) Overvalued in 2026?
Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued.
The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38.
GuruFocus considers Sanima Bank to be Fairly Valued.
Key valuation signals for XNEP:SANIMA:
ROA %: 1.43% (10% below median its 10-year median of 1.59)
GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
Industry Position: 43% above the Banks median (#538 of 1528)
No single metric tells the full story. See the XNEP:SANIMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score
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