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Nepal SBI BankXNEP:SBI +0.97%79 ROE % is 10.57% as of Jul. 2026, which is 1% below its 10-year median of 10.68. GuruFocus rates XNEP:SBI with a GF Score™ of 79/100 and a GF Value™ of NPR401.93 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Nepal SBI Bank ranks worse than 55.81% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Nepal SBI Bank's annualized net income for the quarter that ended in Jul. 2026 was NPR2,314 Mil. Nepal SBI Bank's average Total Stockholders Equity over the quarter that ended in Jul. 2026 was NPR21,895 Mil. Therefore, Nepal SBI Bank's annualized ROE % for the quarter that ended in Jul. 2026 was 10.57%.
The historical rank and industry rank for Nepal SBI Bank's ROE % or its related term are showing as below:
XNEP:SBI'
s ROE % Range Over the Past 10 Years
Min: 6.5 Med: 10.68 Max: 18.08
Current: 9.59
During the past 13 years, Nepal SBI Bank's highest ROE % was 18.08%. The lowest was 6.50%. And the median was 10.68%.
XNEP:SBI's ROE % is ranked worse than 55.81% of 1523
companies
in the Banks industry
Industry Median: 10.47
vs XNEP:SBI: 9.59
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 (Jul. 2026) net income data. The Revenue data used here is four times the quarterly (Jul. 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.
Nepal SBI Bank ROE % Related Terms
Nepal SBI Bank ROE % Historical Data
* Premium members only.
The historical data trend for Nepal SBI 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, Nepal SBI 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.
Nepal SBI Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Nepal SBI Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Nepal SBI 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 (Jul. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Nepal SBI Bank (XNEP:SBI) has a ROE % of 10.57% as of Jul. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Nepal SBI Bank and its competitors. This is near median its historical median of 10.68. Over the past decade, Nepal SBI Bank's ROE % has ranged from 6.50 to 18.08. According to the industry distribution chart, Nepal SBI Bank ranks #850 out of 1523 companies in the Banks industry, placing it in the top 55.8%.
Is Nepal SBI Bank's ROE % too high?
Nepal SBI Bank's current ROE % of 10.57% is near median its 10-year median of 10.68. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 18.08. The Banks industry median ROE % is 10.47. Nepal SBI Bank's value of 10.57% is 1% above this industry median. Based on the distribution chart, Nepal SBI Bank ranks #850 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Nepal SBI Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Nepal SBI Bank ranks #850 out of 1523 companies for ROE %. This places Nepal SBI Bank in the lower half of its industry. The industry median ROE % is 10.47. Nepal SBI Bank's value of 10.57% is 1% above this benchmark. Historically, Nepal SBI Bank's own ROE % has ranged from 6.50 to 18.08 over the past decade. While the company's 10-year median is 10.68 vs. the industry median of 10.47, Nepal SBI 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 10.47, based on 1,523 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. Nepal SBI Bank's current ROE % of 10.57% is 1% 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 Nepal SBI Bank and its competitors. For the Banks industry, the median ROE % is 10.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nepal SBI Bank's current ROE % is 10.57%, which is near median its own 10-year median of 10.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.93, compared to a current price of NPR404.90 — trading 0.7% above its estimated fair value. The current ROE % is 10.57%, which is near median its 10-year median of 10.68 and 1% above the Banks industry median of 10.47. Nepal SBI Bank's overall GF Score™ is 79/100 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 Nepal SBI Bank (XNEP:SBI), the current ROE % is 10.57% as of Jul. 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 Nepal SBI Bank (XNEP:SBI) Overvalued in 2026?
Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be overvalued.
The current stock price of NPR404.90 is trading 0.7% above its estimated GF Value™ of NPR401.93.
GuruFocus considers Nepal SBI Bank to be Fairly Valued.
Key valuation signals for XNEP:SBI:
ROE %: 10.57% (near median its 10-year median of 10.68)
GF Value™: NPR401.93 vs. price of NPR404.90 (0.7% above fair value)
Industry Position: 1% above the Banks median (#850 of 1523)
No single metric tells the full story. See the XNEP:SBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
79GF Score
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