Crest Micro Life Insurance (XNEP:CREST) ROC %: 0.00% (As of . 20)

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XNEP:CREST Crest Micro Life Insurance Ltd XNEP:CREST
37 GF Score
Price NPR1,194.90
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What is Crest Micro Life Insurance ROC %?

Crest Micro Life Insurance XNEP:CREST -0.40% 37 ROC % is 0.00% as of . 20. GuruFocus rates XNEP:CREST with a GF Score™ of 37/100.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Crest Micro Life Insurance's annualized return on capital (ROC %) for the quarter that ended in . 20 was 0.00%.

As of today (2026-08-06), Crest Micro Life Insurance's WACC % is 10.06%. Crest Micro Life Insurance's ROC % is 0.00% (calculated using TTM income statement data). Crest Micro Life Insurance earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Crest Micro Life Insurance  (XNEP:CREST) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, Crest Micro Life Insurance's WACC % is 10.06%. Crest Micro Life Insurance's ROC % is 0.00% (calculated using TTM income statement data). Crest Micro Life Insurance earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of 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.

Crest Micro Life Insurance ROC % Related Terms

Crest Micro Life Insurance ROC % Historical Data

* Premium members only.

The historical data trend for Crest Micro Life Insurance's ROC % 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.

Crest Micro Life Insurance ROC % Chart

Crest Micro Life Insurance Annual Data
Trend
ROC %

Crest Micro Life Insurance Semi-Annual Data
ROC %
XNEP:CREST
37GF Score
Crest Micro Life Insurance Ltd XNEP:CREST
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Crest Micro Life Insurance ROC % Calculation

Crest Micro Life Insurance's annualized Return on Capital (ROC %) for the fiscal year that ended in . 20 is calculated as:

ROC % (A: . 20 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: . 20 ) + Invested Capital (A: . 20 ))/ count )
= * ( 1 - % )/( ( + )/ )
=/
= %

where

Invested Capital(A: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Invested Capital(A: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Crest Micro Life Insurance's annualized Return on Capital (ROC %) for the quarter that ended in . 20 is calculated as:

ROC % (Q: . 20 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: . 20 ) + Invested Capital (Q: . 20 ))/ count )
= * ( 1 - % )/( ( + )/ )
=/
= %

where

Invested Capital(Q: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Invested Capital(Q: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Note: The EBIT data used here is one times the annual (. 20) data. The tax rate is limited to between 0% and 100%.

* 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.

Frequently Asked Questions Learn more about ROC % →
What does a ROC % of 0.00% mean?
Crest Micro Life Insurance (XNEP:CREST) has a ROC % of 0.00% as of . 20. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Crest Micro Life Insurance and its competitors.
Is Crest Micro Life Insurance's ROC % too high?
Crest Micro Life Insurance's current ROC % is 0.00%. Overall, Crest Micro Life Insurance has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Crest Micro Life Insurance's ROC % compare to AFL and MET?
Crest Micro Life Insurance's ROC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.36, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Crest Micro Life Insurance and its competitors. For the Insurance industry, the median ROC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crest Micro Life Insurance's current ROC % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crest Micro Life Insurance stock overvalued right now?
Crest Micro Life Insurance (XNEP:CREST) has a current ROC % of 0.00%. The current ROC % is 0.00%. Crest Micro Life Insurance's overall GF Score™ is 37/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Crest Micro Life Insurance (XNEP:CREST), the current ROC % is 0.00% as of . 20. 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.

Crest Micro Life Insurance Business Description

Address Surkhet, Birendranagar, NPL, 21700
Crest Micro Life Insurance Ltd Provides affordable and customizable life insurance solutions to meet the needs of Nepali families and individuals. Its products include Endowment Micro Life Insurance, Term Micro Life Insurance, and Samridhhi Agrim Bhuktani Laghu Jeevan Beema Yojana(Money Back).
37GF Score

Get the complete analysis for XNEP:CREST

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR1,194.90
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