Laxmi Laghubitta Bittiyanstha (XNEP:LLBS) ROE %: 0.00% (As of Apr. 2026)


XNEP:LLBS Laxmi Laghubitta Bittiya Sanstha Ltd XNEP:LLBS
64 GF Score
Price NPR934.00
GF Value NPR1,145.35
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Laxmi Laghubitta Bittiyanstha ROE %?

Laxmi Laghubitta Bittiyanstha XNEP:LLBS 64 ROE % is 0.00% as of Apr. 2026. GuruFocus rates XNEP:LLBS with a GF Score™ of 64/100 and a GF Value™ of NPR1,145.35 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 529 Credit Services companies, Laxmi Laghubitta Bittiyanstha ranks worse than 56.14% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Laxmi Laghubitta Bittiyanstha's annualized net income for the quarter that ended in Apr. 2026 was NPR93.8 Mil. Laxmi Laghubitta Bittiyanstha's average Total Stockholders Equity over the quarter that ended in Apr. 2026 was NPR0.0 Mil. Therefore, Laxmi Laghubitta Bittiyanstha's annualized ROE % for the quarter that ended in Apr. 2026 was N/A%.

The historical rank and industry rank for Laxmi Laghubitta Bittiyanstha's ROE % or its related term are showing as below:

XNEP:LLBS' s ROE % Range Over the Past 10 Years
Min: -7.86   Med: 21.71   Max: 45.22
Current: 4.86

During the past 13 years, Laxmi Laghubitta Bittiyanstha's highest ROE % was 45.22%. The lowest was -7.86%. And the median was 21.71%.

XNEP:LLBS's ROE % is ranked worse than
56.14% of 529 companies
in the Credit Services industry
Industry Median: 6.61 vs XNEP:LLBS: 4.86

Laxmi Laghubitta Bittiyanstha  (XNEP:LLBS) 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:

ROE %(Q: Apr. 2026 )
=Net Income/Total Stockholders Equity
=93.8/0
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(93.8 / 559.78)*(559.78 / 0)*(0 / 0)
=Net Margin %*Asset Turnover*Equity Multiplier
=16.76 %*N/A*N/A
=ROA %*Equity Multiplier
=N/A %*N/A
=N/A %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Apr. 2026 )
=Net Income/Total Stockholders Equity
=93.8/0
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (93.8 / 134) * (134 / 559.78) * (559.78 / 0) * (0 / 0)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.7 * 23.94 % * N/A * N/A
=N/A %

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.


Laxmi Laghubitta Bittiyanstha ROE % Related Terms


Laxmi Laghubitta Bittiyanstha ROE % Historical Data

* Premium members only.

The historical data trend for Laxmi Laghubitta Bittiyanstha'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.

Laxmi Laghubitta Bittiyanstha ROE % Chart

Laxmi Laghubitta Bittiyanstha Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.38 19.56 -7.86 1.81 6.17

Laxmi Laghubitta Bittiyanstha Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
ROE % 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 -9.38 15.56 0.00 0.00

XNEP:LLBS vs V, MA, AXP: ROE % Comparison

For the Credit Services subindustry, Laxmi 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.


Laxmi Laghubitta Bittiyanstha ROE % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Laxmi Laghubitta Bittiyanstha's ROE % distribution charts can be found below:

* The bar in red indicates where Laxmi Laghubitta Bittiyanstha's ROE % falls into.


XNEP:LLBS
64GF Score
Laxmi Laghubitta Bittiya Sanstha Ltd XNEP:LLBS
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Laxmi Laghubitta Bittiyanstha ROE % Calculation

Laxmi Laghubitta Bittiyanstha's annualized ROE % for the fiscal year that ended in Jul. 2025 is calculated as

ROE %=Net Income (A: Jul. 2025 )/( (Total Stockholders Equity (A: Jul. 2024 )+Total Stockholders Equity (A: Jul. 2025 ))/ count )
=47.212/( (734.491+796.23)/ 2 )
=47.212/765.3605
=6.17 %

Laxmi Laghubitta Bittiyanstha's annualized ROE % for the quarter that ended in Apr. 2026 is calculated as

ROE %=Net Income (Q: Apr. 2026 )/( (Total Stockholders Equity (Q: Jan. 2026 )+Total Stockholders Equity (Q: Apr. 2026 ))/ count )
=93.8/( (0+0)/ 1 )
=93.8/0
=N/A %

* 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.

* Note that if the average Total Stockholders Equity is zero or negative, then ROE % would be considered meaningless and hence not be calculated.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 0.00% mean?
Laxmi Laghubitta Bittiyanstha (XNEP:LLBS) has a ROE % of 0.00% 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 Laxmi Laghubitta Bittiyanstha and its competitors. According to the industry distribution chart, Laxmi Laghubitta Bittiyanstha ranks #297 out of 529 companies in the Credit Services industry, placing it in the top 56.1%.
Is Laxmi Laghubitta Bittiyanstha's ROE % too high?
Laxmi Laghubitta Bittiyanstha's current ROE % is 0.00%. Based on the distribution chart, Laxmi Laghubitta Bittiyanstha ranks #297 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, Laxmi Laghubitta Bittiyanstha has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Laxmi Laghubitta Bittiyanstha's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Laxmi Laghubitta Bittiyanstha ranks #297 out of 529 companies for ROE %. This places Laxmi Laghubitta Bittiyanstha in the lower half of its industry. The industry median ROE % is 6.61. 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 Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 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. 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 Laxmi Laghubitta Bittiyanstha and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Laxmi Laghubitta Bittiyanstha's current ROE % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laxmi Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Laxmi Laghubitta Bittiyanstha (XNEP:LLBS) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR1,145.35, compared to a current price of NPR934.00 — trading 18.5% below its estimated fair value. The current ROE % is 0.00%. Laxmi Laghubitta Bittiyanstha's overall GF Score™ is 64/100 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 Laxmi Laghubitta Bittiyanstha (XNEP:LLBS), the current ROE % is 0.00% 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 Laxmi Laghubitta Bittiyanstha (XNEP:LLBS) Overvalued in 2026?

Based on GuruFocus' analysis, Laxmi Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR934.00 is trading 18.5% below its estimated GF Value™ of NPR1,145.35. GuruFocus considers Laxmi Laghubitta Bittiyanstha to be Modestly Undervalued.

Key valuation signals for XNEP:LLBS:

  • ROE %: 0.00%
  • GF Value™: NPR1,145.35 vs. price of NPR934.00 (18.5% below fair value)
  • GF Score™: 64/100 with 2 warning signs

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


Laxmi Laghubitta Bittiyanstha Business Description

Address Kapan Marg, Maharajgunj, Kathmandu - 03, Kathmandu, NPL
Laxmi Laghubitta Bittiya Sanstha Ltd is a microfinance company. The various financial products and services provided by the company include; saving products like Compulsory Savings Account (CSA), Samriddhi Savings Account (SSA), and Laxmi Bal Bachat Account (LBBA); different types of loans such as Laxmi Educational Loan, Seasonal Business Loan, Alternative Energy Loan, etc.; microinsurance; and remittance services.
64GF Score

Get the complete analysis for XNEP:LLBS

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

NPR934.00
Price
NPR1,145.35
GF Value