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.
Swabalamban Laghubitta Bittiyanstha ROA % Related Terms
Swabalamban 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, Swabalamban 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.
Swabalamban 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.
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a ROA % of 2.32% 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 Swabalamban Laghubitta Bittiyanstha and its competitors. This is near median its historical median of 2.47. Over the past decade, Swabalamban Laghubitta Bittiyanstha's ROA % has ranged from 1.33 to 4.69. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #104 out of 1532 companies in the Banks industry, placing it in the top 6.8%.
Is Swabalamban Laghubitta Bittiyanstha's ROA % too high?
Swabalamban Laghubitta Bittiyanstha's current ROA % of 2.32% is near median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 4.69. The Banks industry median ROA % is 0.98. Swabalamban Laghubitta Bittiyanstha's value of 2.32% is 136.7% above this industry median. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #104 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's ROA % compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #104 out of 1532 companies for ROA %. This places Swabalamban Laghubitta Bittiyanstha in the top 7% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Swabalamban Laghubitta Bittiyanstha's value of 2.32% is 136.7% above this benchmark. Historically, Swabalamban Laghubitta Bittiyanstha's own ROA % has ranged from 1.33 to 4.69 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 0.98, Swabalamban 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 0.98, based on 1,532 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. Swabalamban Laghubitta Bittiyanstha's current ROA % of 2.32% is 136.7% 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 Swabalamban Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swabalamban Laghubitta Bittiyanstha's current ROA % is 2.32%, which is near median its own 10-year median of 2.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swabalamban Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR777.98, compared to a current price of NPR701.00 — trading 9.9% below its estimated fair value. The current ROA % is 2.32%, which is near median its 10-year median of 2.47 and 136.7% above the Banks industry median of 0.98. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 90/100 with 1 warning sign 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current ROA % is 2.32% 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR701.00 is trading 9.9% below its estimated GF Value™ of NPR777.98.
GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.
Key valuation signals for XNEP:SWBBL:
ROA %: 2.32% (near median its 10-year median of 2.47)
GF Value™: NPR777.98 vs. price of NPR701.00 (9.9% below fair value)
Industry Position: 136.7% above the Banks median (#104 of 1532)
No single metric tells the full story. See the XNEP:SWBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swabalamban Laghubitta Bittiyanstha Business Description
Swabalamban Laghubitta Bittiya Sanstha Ltd is a microfinance development bank in Nepal that provides sustainable financial services, prominently microcredit and savings products. The company's offerings include loans, savings, Insurance Services, Interest Rates, and Credit Plus Activities. The primary objective of the company is to provide the disadvantaged section of the rural poor with easy access to credit. The company has identified seven segments: Koshi Province, Madesh Province, Bagmati Province, Gandaki Province, Lumbini Province, Karnali Province and Sudurpaschim Province. The majority of interest revenue is derived from the Madesh Province.
90GF Score
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