NIC Asia BankXNEP:NICA -2.59%74 ROE % is 1.24% as of Apr. 2026, which is 93% below its 10-year median of 16.59. GuruFocus rates XNEP:NICA with a GF Score™ of 74/100 and a GF Value™ of NPR382.12 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, NIC Asia Bank ranks worse than 95.61% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. NIC Asia Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR347 Mil. NIC Asia Bank's average Total Stockholders Equity over the quarter that ended in Apr. 2026 was NPR28,103 Mil. Therefore, NIC Asia Bank's annualized ROE % for the quarter that ended in Apr. 2026 was 1.24%.
The historical rank and industry rank for NIC Asia Bank's ROE % or its related term are showing as below:
XNEP:NICA'
s ROE % Range Over the Past 10 Years
Min: -14.32 Med: 16.59 Max: 23.59
Current: 0.11
During the past 13 years, NIC Asia Bank's highest ROE % was 23.59%. The lowest was -14.32%. And the median was 16.59%.
XNEP:NICA's ROE % is ranked worse than 95.61% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs XNEP:NICA: 0.11
NIC Asia Bank (XNEP:NICA) 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.
NIC Asia Bank ROE % Related Terms
NIC Asia Bank ROE % Historical Data
* Premium members only.
The historical data trend for NIC Asia 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, NIC Asia 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.
NIC Asia Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, NIC Asia Bank's ROE % distribution charts can be found below:
* The bar in red indicates where NIC Asia 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.
NIC Asia Bank (XNEP:NICA) has a ROE % of 1.24% 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 NIC Asia Bank and its competitors. This is 93% below median its historical median of 16.59. According to the industry distribution chart, NIC Asia Bank ranks #1458 out of 1525 companies in the Banks industry, placing it in the top 95.6%.
Is NIC Asia Bank's ROE % too high?
NIC Asia Bank's current ROE % of 1.24% is 93% below median its 10-year median of 16.59. The Banks industry median ROE % is 10.22. NIC Asia Bank's value of 1.24% is 87.9% below this industry median. Based on the distribution chart, NIC Asia Bank ranks #1458 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, NIC Asia Bank has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NIC Asia Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, NIC Asia Bank ranks #1458 out of 1525 companies for ROE %. This places NIC Asia Bank in the lower half of its industry. The industry median ROE % is 10.22. NIC Asia Bank's value of 1.24% is 87.9% below this benchmark. While the company's 10-year median is 16.59 vs. the industry median of 10.22, NIC Asia 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 10.22, 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. NIC Asia Bank's current ROE % of 1.24% is 87.9% 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 NIC Asia 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. NIC Asia Bank's current ROE % is 1.24%, which is 93% below median its own 10-year median of 16.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIC Asia Bank stock overvalued right now?
Based on GuruFocus' analysis, NIC Asia Bank (XNEP:NICA) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR382.12, compared to a current price of NPR335.10 — trading 12.3% below its estimated fair value. The current ROE % is 1.24%, which is 93% below median its 10-year median of 16.59 and 87.9% below the Banks industry median of 10.22. NIC Asia Bank's overall GF Score™ is 74/100 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 NIC Asia Bank (XNEP:NICA), the current ROE % is 1.24% 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 NIC Asia Bank (XNEP:NICA) Overvalued in 2026?
Based on GuruFocus' analysis, NIC Asia Bank stock appears to be undervalued.
The current stock price of NPR335.10 is trading 12.3% below its estimated GF Value™ of NPR382.12.
GuruFocus considers NIC Asia Bank to be Modestly Undervalued.
Key valuation signals for XNEP:NICA:
ROE %: 1.24% (93% below median its 10-year median of 16.59)
GF Value™: NPR382.12 vs. price of NPR335.10 (12.3% below fair value)
Industry Position: 87.9% below the Banks median (#1458 of 1525)
No single metric tells the full story. See the XNEP:NICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NIC Asia Bank Ltd is engaged in commercial banking services in Nepal. It is organized for management and reporting purposes into segments such as Retail Banking, Corporate Banking, SME Banking, Deprived Sector Banking (DSL), Treasury, Transaction Banking (TB) and Other Banking. It generates a vast majority of the revenues from the Retail banking segment.
74GF Score
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