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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.
Jeevan Bikas Laghubitta Bittiyanstha ROE % Related Terms
Jeevan Bikas Laghubitta Bittiyanstha 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.
For the Banks - Regional subindustry, Jeevan Bikas Laghubitta Bittiyanstha'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.
Jeevan Bikas Laghubitta Bittiyanstha ROE % 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 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.
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) has a ROE % of 21.81% 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 Jeevan Bikas Laghubitta Bittiyanstha and its competitors. This is 29% below median its historical median of 30.85. Over the past decade, Jeevan Bikas Laghubitta Bittiyanstha's ROE % has ranged from 6.55 to 43.80. According to the industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #77 out of 1527 companies in the Banks industry, placing it in the top 5%.
Is Jeevan Bikas Laghubitta Bittiyanstha's ROE % too high?
Jeevan Bikas Laghubitta Bittiyanstha's current ROE % of 21.81% is 29% below median its 10-year median of 30.85. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 43.80. The Banks industry median ROE % is 10.27. Jeevan Bikas Laghubitta Bittiyanstha's value of 21.81% is 112.4% above this industry median. Based on the distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #77 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jeevan Bikas Laghubitta Bittiyanstha has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jeevan Bikas Laghubitta Bittiyanstha's ROE % compare to ?
According to the Banks industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #77 out of 1527 companies for ROE %. This places Jeevan Bikas Laghubitta Bittiyanstha in the top 5% of its industry — outperforming the majority of peers. The industry median ROE % is 10.27. Jeevan Bikas Laghubitta Bittiyanstha's value of 21.81% is 112.4% above this benchmark. Historically, Jeevan Bikas Laghubitta Bittiyanstha's own ROE % has ranged from 6.55 to 43.80 over the past decade. While the company's 10-year median is 30.85 vs. the industry median of 10.27, Jeevan Bikas 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 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. Jeevan Bikas Laghubitta Bittiyanstha's current ROE % of 21.81% is 112.4% 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 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 Jeevan Bikas Laghubitta Bittiyanstha 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. Jeevan Bikas Laghubitta Bittiyanstha's current ROE % is 21.81%, which is 29% below median its own 10-year median of 30.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeevan Bikas Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) is currently considered Fairly Valued. The stock's GF Value™ is NPR1,282.14, compared to a current price of NPR1,250.00 — trading 2.5% below its estimated fair value. The current ROE % is 21.81%, which is 29% below median its 10-year median of 30.85 and 112.4% above the Banks industry median of 10.27. Jeevan Bikas Laghubitta Bittiyanstha's overall GF Score™ is 91/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB), the current ROE % is 21.81% 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR1,250.00 is trading 2.5% below its estimated GF Value™ of NPR1,282.14.
GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:JBLB:
ROE %: 21.81% (29% below median its 10-year median of 30.85)
GF Value™: NPR1,282.14 vs. price of NPR1,250.00 (2.5% below fair value)
Industry Position: 112.4% above the Banks median (#77 of 1527)
No single metric tells the full story. See the XNEP:JBLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jeevan Bikas Laghubitta Bittiyanstha Business Description
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
91GF Score
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