NMB Microfinance Bittiyanstha (XNEP:NMBMF) ROE % Adjusted to Book Value: 18.23% (As of Apr. 2026)


XNEP:NMBMF NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
53 GF Score
Price NPR599.00
GF Value NPR2,183.44
Valuation Possible Value Trap
! 2 Warning Signs
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What is NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value?

NMB Microfinance Bittiyanstha XNEP:NMBMF -1.48% 53 ROE % Adjusted to Book Value is 18.23% as of Apr. 2026. GuruFocus rates XNEP:NMBMF with a GF Score™ of 53/100 and a GF Value™ of NPR2,183.44 (Possible Value Trap). The stock has 2 warning signs investors should review.

NMB Microfinance Bittiyanstha's ROE % for the quarter that ended in Apr. 2026 was 20.42%. NMB Microfinance Bittiyanstha's PB Ratio for the quarter that ended in Apr. 2026 was 1.12. NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 was 18.23%.


NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value Related Terms


NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for NMB Microfinance Bittiyanstha'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.

NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value Chart

NMB Microfinance Bittiyanstha 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 5.14 3.16 -1.05 -0.85 0.27

NMB Microfinance Bittiyanstha Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 0.00 2.60 1.05 3.62 18.23

XNEP:NMBMF vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, NMB Microfinance Bittiyanstha'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.


NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value falls into.


XNEP:NMBMF
53GF Score
NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Microfinance Bittiyanstha ROE % Adjusted to Book Value Calculation

NMB Microfinance Bittiyanstha'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
=1.57% / 5.91
=0.27%

NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=20.42% / 1.12
=18.23%

* 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 18.23% mean?
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a ROE % Adjusted to Book Value of 18.23% as of Apr. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on NMB Microfinance Bittiyanstha and its competitors.
Is NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value too high?
NMB Microfinance Bittiyanstha's current ROE % Adjusted to Book Value is 18.23%. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value compare to V and MA?
NMB Microfinance Bittiyanstha's ROE % Adjusted to Book Value of 18.23% can be compared against companies in the Credit Services 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 Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services 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 NMB Microfinance Bittiyanstha and its competitors. NMB Microfinance Bittiyanstha's current ROE % Adjusted to Book Value is 18.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,183.44, compared to a current price of NPR599.00 — trading 72.6% below its estimated fair value. The current ROE % Adjusted to Book Value is 18.23%. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 with 2 warning signs 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current ROE % Adjusted to Book Value is 18.23% 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued. The current stock price of NPR599.00 is trading 72.6% below its estimated GF Value™ of NPR2,183.44. GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:NMBMF:

  • ROE % Adjusted to Book Value: 18.23%
  • GF Value™: NPR2,183.44 vs. price of NPR599.00 (72.6% below fair value)
  • GF Score™: 53/100 with 2 warning signs

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


NMB Microfinance Bittiyanstha Business Description

Address Street 3, New Road, Zenex Plaza, Kaski, Pokhara, NPL
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score

Get the complete analysis for XNEP:NMBMF

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

NPR599.00
Price
NPR2,183.44
GF Value