Kumari BankXNEP:KBL -2.70%76 ROE % is 15.64% as of Apr. 2026, which is 38% above its 10-year median of 11.30. GuruFocus rates XNEP:KBL with a GF Score™ of 76/100 and a GF Value™ of NPR231.86 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Kumari Bank ranks better than 79.74% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Kumari Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR6,458 Mil. Kumari Bank's average Total Stockholders Equity over the quarter that ended in Apr. 2026 was NPR41,291 Mil. Therefore, Kumari Bank's annualized ROE % for the quarter that ended in Apr. 2026 was 15.64%.
The historical rank and industry rank for Kumari Bank's ROE % or its related term are showing as below:
XNEP:KBL'
s ROE % Range Over the Past 10 Years
Min: 0.45 Med: 11.3 Max: 19.4
Current: 14.85
During the past 13 years, Kumari Bank's highest ROE % was 19.40%. The lowest was 0.45%. And the median was 11.30%.
XNEP:KBL's ROE % is ranked better than 79.74% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs XNEP:KBL: 14.85
Kumari Bank (XNEP:KBL) 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.
Kumari Bank ROE % Related Terms
Kumari Bank ROE % Historical Data
* Premium members only.
The historical data trend for Kumari Bank's ROE % 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.
For the Banks - Regional subindustry, Kumari 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.
Kumari Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Kumari Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Kumari 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.
Kumari Bank (XNEP:KBL) has a ROE % of 15.64% 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 Kumari Bank and its competitors. This is 38% above median its historical median of 11.30. Over the past decade, Kumari Bank's ROE % has ranged from 0.45 to 19.40. According to the industry distribution chart, Kumari Bank ranks #309 out of 1525 companies in the Banks industry, placing it in the top 20.3%.
Is Kumari Bank's ROE % too high?
Kumari Bank's current ROE % of 15.64% is 38% above median its 10-year median of 11.30. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 19.40. The Banks industry median ROE % is 10.22. Kumari Bank's value of 15.64% is 53% above this industry median. Based on the distribution chart, Kumari Bank ranks #309 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Kumari Bank has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kumari Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Kumari Bank ranks #309 out of 1525 companies for ROE %. This places Kumari Bank in the top 20% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Kumari Bank's value of 15.64% is 53% above this benchmark. Historically, Kumari Bank's own ROE % has ranged from 0.45 to 19.40 over the past decade. While the company's 10-year median is 11.30 vs. the industry median of 10.22, Kumari Bank 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 10.22, based on 1,525 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. Kumari Bank's current ROE % of 15.64% is 53% 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 Kumari Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kumari Bank's current ROE % is 15.64%, which is 38% above median its own 10-year median of 11.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kumari Bank stock overvalued right now?
Based on GuruFocus' analysis, Kumari Bank (XNEP:KBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR231.86, compared to a current price of NPR209.10 — trading 9.8% below its estimated fair value. The current ROE % is 15.64%, which is 38% above median its 10-year median of 11.30 and 53% above the Banks industry median of 10.22. Kumari Bank's overall GF Score™ is 76/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Kumari Bank (XNEP:KBL), the current ROE % is 15.64% 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 Kumari Bank (XNEP:KBL) Overvalued in 2026?
Based on GuruFocus' analysis, Kumari Bank stock appears to be undervalued.
The current stock price of NPR209.10 is trading 9.8% below its estimated GF Value™ of NPR231.86.
GuruFocus considers Kumari Bank to be Modestly Undervalued.
Key valuation signals for XNEP:KBL:
ROE %: 15.64% (38% above median its 10-year median of 11.30)
GF Value™: NPR231.86 vs. price of NPR209.10 (9.8% below fair value)
Industry Position: 53% above the Banks median (#309 of 1525)
No single metric tells the full story. See the XNEP:KBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
76GF Score
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