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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Nepal SBI Bank's annualizedNet Income for the quarter that ended in Jul. 2026 was NPR2,314 Mil.
Nepal SBI Bank's average Total Assets over the quarter that ended in Jul. 2026 was NPR251,648 Mil. Therefore, Nepal SBI Bank's annualized ROA % for the quarter that ended in Jul. 2026 was 0.92%.
The historical rank and industry rank for Nepal SBI Bank's ROA % or its related term are showing as below:
XNEP:SBI'
s ROA % Range Over the Past 10 Years
Min: 0.73 Med: 1.16 Max: 2.09
Current: 0.83
During the past 13 years, Nepal SBI Bank's highest ROA % was 2.09%. The lowest was 0.73%. And the median was 1.16%.
XNEP:SBI's ROA % is ranked worse than 62.03% of 1525
companies
in the Banks industry
Industry Median: 1.01
vs XNEP:SBI: 0.83
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.
Nepal SBI Bank ROA % Related Terms
Nepal SBI Bank ROA % Historical Data
* Premium members only.
The historical data trend for Nepal SBI 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, Nepal SBI 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.
Nepal SBI Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Nepal SBI Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Nepal SBI 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 (Jul. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Nepal SBI Bank (XNEP:SBI) has a ROA % of 0.92% 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 Nepal SBI Bank and its competitors. This is 21% below median its historical median of 1.16. Over the past decade, Nepal SBI Bank's ROA % has ranged from 0.73 to 2.09. According to the industry distribution chart, Nepal SBI Bank ranks #946 out of 1525 companies in the Banks industry, placing it in the top 62%.
Is Nepal SBI Bank's ROA % too high?
Nepal SBI Bank's current ROA % of 0.92% is 21% below median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.09. The Banks industry median ROA % is 1.01. Nepal SBI Bank's value of 0.92% is 8.9% below this industry median. Based on the distribution chart, Nepal SBI Bank ranks #946 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Nepal SBI Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Nepal SBI Bank ranks #946 out of 1525 companies for ROA %. This places Nepal SBI Bank in the lower half of its industry. The industry median ROA % is 1.01. Nepal SBI Bank's value of 0.92% is 8.9% below this benchmark. Historically, Nepal SBI Bank's own ROA % has ranged from 0.73 to 2.09 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.01, Nepal SBI Bank 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 1.01, based on 1,525 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. Nepal SBI Bank's current ROA % of 0.92% is 8.9% 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 Nepal SBI Bank and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nepal SBI Bank's current ROA % is 0.92%, which is 21% below median its own 10-year median of 1.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.93, compared to a current price of NPR404.90 — trading 0.7% above its estimated fair value. The current ROA % is 0.92%, which is 21% below median its 10-year median of 1.16 and 8.9% below the Banks industry median of 1.01. Nepal SBI Bank's overall GF Score™ is 79/100 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 Nepal SBI Bank (XNEP:SBI), the current ROA % is 0.92% 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 Nepal SBI Bank (XNEP:SBI) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be overvalued.
The current stock price of NPR404.90 is trading 0.7% above its estimated GF Value™ of NPR401.93.
GuruFocus considers Nepal SBI Bank to be Fairly Valued.
Key valuation signals for XNEP:SBI:
ROA %: 0.92% (21% below median its 10-year median of 1.16)
GF Value™: NPR401.93 vs. price of NPR404.90 (0.7% above fair value)
Industry Position: 8.9% below the Banks median (#946 of 1525)
No single metric tells the full story. See the XNEP:SBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
79GF Score
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