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Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) ROE % : 9.82% (As of Apr. 2024)


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What is Swabalamban Laghubitta Bittiyanstha ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Swabalamban Laghubitta Bittiyanstha's annualized net income for the quarter that ended in Apr. 2024 was NPR308 Mil. Swabalamban Laghubitta Bittiyanstha's average Total Stockholders Equity over the quarter that ended in Apr. 2024 was NPR3,140 Mil. Therefore, Swabalamban Laghubitta Bittiyanstha's annualized ROE % for the quarter that ended in Apr. 2024 was 9.82%.

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

XNEP:SWBBL' s ROE % Range Over the Past 10 Years
Min: 8.6   Med: 27.7   Max: 44.42
Current: 8.6

During the past 12 years, Swabalamban Laghubitta Bittiyanstha's highest ROE % was 44.42%. The lowest was 8.60%. And the median was 27.70%.

XNEP:SWBBL's ROE % is ranked worse than
56.75% of 1473 companies
in the Banks industry
Industry Median: 9.66 vs XNEP:SWBBL: 8.60

Swabalamban Laghubitta Bittiyanstha ROE % Historical Data

The historical data trend for Swabalamban 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.

* Premium members only.

Swabalamban Laghubitta Bittiyanstha ROE % Chart

Swabalamban Laghubitta Bittiyanstha Annual Data
Trend Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.96 16.26 28.53 9.95 8.97

Swabalamban Laghubitta Bittiyanstha Quarterly Data
Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24
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 -15.50 19.65 4.14 1.00 9.82

Competitive Comparison of Swabalamban Laghubitta Bittiyanstha's ROE %

For the Banks - Regional subindustry, Swabalamban 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.


Swabalamban Laghubitta Bittiyanstha's ROE % Distribution in the Banks Industry

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

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



Swabalamban Laghubitta Bittiyanstha ROE % Calculation

Swabalamban Laghubitta Bittiyanstha's annualized ROE % for the fiscal year that ended in Jul. 2023 is calculated as

ROE %=Net Income (A: Jul. 2023 )/( (Total Stockholders Equity (A: Jul. 2022 )+Total Stockholders Equity (A: Jul. 2023 ))/ count )
=268.886/( (2929.824+3063.389)/ 2 )
=268.886/2996.6065
=8.97 %

Swabalamban Laghubitta Bittiyanstha's annualized ROE % for the quarter that ended in Apr. 2024 is calculated as

ROE %=Net Income (Q: Apr. 2024 )/( (Total Stockholders Equity (Q: Jan. 2024 )+Total Stockholders Equity (Q: Apr. 2024 ))/ count )
=308.232/( (3104.544+3175.551)/ 2 )
=308.232/3140.0475
=9.82 %

* 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. 2024) net income data. ROE % is displayed in the 30-year financial page.


Swabalamban Laghubitta Bittiyanstha  (XNEP:SWBBL) 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. 2024 )
=Net Income/Total Stockholders Equity
=308.232/3140.0475
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(308.232 / 1793.16)*(1793.16 / 20465.302)*(20465.302 / 3140.0475)
=Net Margin %*Asset Turnover*Equity Multiplier
=17.19 %*0.0876*6.5175
=ROA %*Equity Multiplier
=1.51 %*6.5175
=9.82 %

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. 2024 )
=Net Income/Total Stockholders Equity
=308.232/3140.0475
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (308.232 / 440.328) * (440.328 / 1793.16) * (1793.16 / 20465.302) * (20465.302 / 3140.0475)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.7 * 24.56 % * 0.0876 * 6.5175
=9.82 %

Note: The net income data used here is four times the quarterly (Apr. 2024) net income data. The Revenue data used here is four times the quarterly (Apr. 2024) 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.


Swabalamban Laghubitta Bittiyanstha ROE % Related Terms

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Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Business Description

Traded in Other Exchanges
N/A
Address
Kamalpokhari, Kathmandu, NPL, 44600
Swabalamban Laghubitta Bittiya Sanstha Ltd is a microfinance development bank. The company offers savings products like Welfare Fund Saving, Personal Saving, Festival Saving, and Swabalamban Saving, and also offers microloan and micro business loan products for clients and provides micro-insurance services to its clients. Under the scheme, livestock, agro insurance, crop insurance, micro-enterprise insurance, and health insurance policies.

Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Headlines

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