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Agriculture Development BankXNEP:ADBL 62 ROE % is 7.27% as of Apr. 2026, which is 36% below its 10-year median of 11.38. GuruFocus rates XNEP:ADBL with a GF Score™ of 62/100 and a GF Value™ of NPR669.81 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Agriculture Development Bank ranks worse than 54.03% on this metric.
The historical rank and industry rank for Agriculture Development Bank's ROE % or its related term are showing as below:
XNEP:ADBL'
s ROE % Range Over the Past 10 Years
Min: 3.93 Med: 11.38 Max: 14.95
Current: 9.71
During the past 13 years, Agriculture Development Bank's highest ROE % was 14.95%. The lowest was 3.93%. And the median was 11.38%.
XNEP:ADBL's ROE % is ranked worse than 54.03% of 1527
companies
in the Banks industry
Industry Median: 10.27
vs XNEP:ADBL: 9.71
Agriculture Development Bank (XNEP:ADBL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Agriculture Development Bank ROE % Related Terms
Agriculture Development Bank ROE % 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.
Agriculture Development Bank ROE % Competitor Comparison
For the Banks - Regional subindustry, Agriculture Development Bank's ROE %, along with its competitors' market caps and ROE % 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.
Agriculture Development Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Agriculture Development Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Agriculture Development Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Agriculture Development Bank (XNEP:ADBL) has a ROE % of 7.27% as of Apr. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agriculture Development Bank and its competitors. This is 36% below median its historical median of 11.38. Over the past decade, Agriculture Development Bank's ROE % has ranged from 3.93 to 14.95. According to the industry distribution chart, Agriculture Development Bank ranks #825 out of 1527 companies in the Banks industry, placing it in the top 54%.
Is Agriculture Development Bank's ROE % too high?
Agriculture Development Bank's current ROE % of 7.27% is 36% below median its 10-year median of 11.38. Over the past 10 years, this metric has ranged from a low of 3.93 to a high of 14.95. The Banks industry median ROE % is 10.27. Agriculture Development Bank's value of 7.27% is 29.2% below this industry median. Based on the distribution chart, Agriculture Development Bank ranks #825 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Agriculture Development Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Agriculture Development Bank ranks #825 out of 1527 companies for ROE %. This places Agriculture Development Bank in the lower half of its industry. The industry median ROE % is 10.27. Agriculture Development Bank's value of 7.27% is 29.2% below this benchmark. Historically, Agriculture Development Bank's own ROE % has ranged from 3.93 to 14.95 over the past decade. While the company's 10-year median is 11.38 vs. the industry median of 10.27, Agriculture Development 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.27, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agriculture Development Bank's current ROE % of 7.27% is 29.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agriculture Development Bank and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agriculture Development Bank's current ROE % is 7.27%, which is 36% below median its own 10-year median of 11.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR669.81, compared to a current price of NPR309.00 — trading 53.9% below its estimated fair value. The current ROE % is 7.27%, which is 36% below median its 10-year median of 11.38 and 29.2% below the Banks industry median of 10.27. Agriculture Development Bank's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Agriculture Development Bank (XNEP:ADBL), the current ROE % is 7.27% 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?
Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued.
The current stock price of NPR309.00 is trading 53.9% below its estimated GF Value™ of NPR669.81.
GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.
Key valuation signals for XNEP:ADBL:
ROE %: 7.27% (36% below median its 10-year median of 11.38)
GF Value™: NPR669.81 vs. price of NPR309.00 (53.9% below fair value)
Industry Position: 29.2% below the Banks median (#825 of 1527)
No single metric tells the full story. See the XNEP:ADBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
62GF Score
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