Excel Development Bank (XNEP:EDBL) ROE % Adjusted to Book Value: 9.96% (As of Jan. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:EDBL Excel Development Bank Ltd XNEP:EDBL
53 GF Score
Price NPR579.00
GF Value NPR380.46
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Excel Development Bank ROE % Adjusted to Book Value?

Excel Development Bank XNEP:EDBL -0.17% 53 ROE % Adjusted to Book Value is 9.96% as of Jan. 2026. GuruFocus rates XNEP:EDBL with a GF Score™ of 53/100 and a GF Value™ of NPR380.46 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Excel Development Bank's ROE % for the quarter that ended in Jan. 2026 was 34.25%. Excel Development Bank's PB Ratio for the quarter that ended in Jan. 2026 was 3.44. Excel Development Bank's ROE % Adjusted to Book Value for the quarter that ended in Jan. 2026 was 9.96%.


Excel Development Bank ROE % Adjusted to Book Value Related Terms


Excel Development Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Excel Development Bank's ROE % Adjusted to Book Value 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.

Excel Development Bank ROE % Adjusted to Book Value Chart

Excel Development Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.69 2.20 1.24 0.69 0.51

Excel Development Bank Quarterly Data
Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Jul25 Oct25 Jan26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -5.49 1.64 2.27 -4.60 9.96

Excel Development Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Excel Development Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Excel Development Bank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Excel Development Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Excel Development Bank's ROE % Adjusted to Book Value falls into.


XNEP:EDBL
53GF Score
Excel Development Bank Ltd XNEP:EDBL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Excel Development Bank ROE % Adjusted to Book Value Calculation

Excel Development Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Jul. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.03% / 3.99
=0.51%

Excel Development Bank's ROE % Adjusted to Book Value for the quarter that ended in Jan. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=34.25% / 3.44
=9.96%

* 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.

What does a ROE % Adjusted to Book Value of 9.96% mean?
Excel Development Bank (XNEP:EDBL) has a ROE % Adjusted to Book Value of 9.96% as of Jan. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Excel Development Bank and its competitors.
Is Excel Development Bank's ROE % Adjusted to Book Value too high?
Excel Development Bank's current ROE % Adjusted to Book Value is 9.96%. Overall, Excel Development Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Excel Development Bank's ROE % Adjusted to Book Value compare to competitors?
Excel Development Bank's ROE % Adjusted to Book Value of 9.96% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Excel Development Bank and its competitors. Excel Development Bank's current ROE % Adjusted to Book Value is 9.96%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Excel Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Excel Development Bank (XNEP:EDBL) is currently considered Significantly Overvalued. The stock's GF Value™ is NPR380.46, compared to a current price of NPR579.00 — trading 52.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 9.96%. Excel Development Bank's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Excel Development Bank (XNEP:EDBL), the current ROE % Adjusted to Book Value is 9.96% as of Jan. 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 Excel Development Bank (XNEP:EDBL) Overvalued in 2026?

Based on GuruFocus' analysis, Excel Development Bank stock appears to be overvalued. The current stock price of NPR579.00 is trading 52.2% above its estimated GF Value™ of NPR380.46. GuruFocus considers Excel Development Bank to be Significantly Overvalued.

Key valuation signals for XNEP:EDBL:

  • ROE % Adjusted to Book Value: 9.96%
  • GF Value™: NPR380.46 vs. price of NPR579.00 (52.2% above fair value)
  • GF Score™: 53/100 with 1 warning sign

No single metric tells the full story. See the XNEP:EDBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Excel Development Bank Business Description

Address Bhadrapur Road, Mukti Chowk, Ward No. 4, Birtamode Municipality, Birtamode, Jhapa, NPL
Excel Development Bank Ltd is a banking company. It offers savings accounts, fixed deposits, current accounts, loans, and other services. The bank provides services to g individuals, corporates, large public sector companies, government corporations, etc.
53GF Score

Get the complete analysis for XNEP:EDBL

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

NPR579.00
Price
NPR380.46
GF Value