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.
Swabalamban Laghubitta Bittiyanstha ROE % Related Terms
Swabalamban Laghubitta Bittiyanstha ROE % Historical Data
* 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, 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 ROE % vs Banks Industry
* 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.
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a ROE % of 15.41% 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 Swabalamban Laghubitta Bittiyanstha and its competitors. This is 28% below median its historical median of 21.53. Over the past decade, Swabalamban Laghubitta Bittiyanstha's ROE % has ranged from 8.96 to 41.55. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #206 out of 1524 companies in the Banks industry, placing it in the top 13.5%.
Is Swabalamban Laghubitta Bittiyanstha's ROE % too high?
Swabalamban Laghubitta Bittiyanstha's current ROE % of 15.41% is 28% below median its 10-year median of 21.53. Over the past 10 years, this metric has ranged from a low of 8.96 to a high of 41.55. The Banks industry median ROE % is 10.22. Swabalamban Laghubitta Bittiyanstha's value of 15.41% is 50.8% above this industry median. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #206 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Swabalamban Laghubitta Bittiyanstha has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Swabalamban Laghubitta Bittiyanstha's ROE % compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #206 out of 1524 companies for ROE %. This places Swabalamban Laghubitta Bittiyanstha in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Swabalamban Laghubitta Bittiyanstha's value of 15.41% is 50.8% above this benchmark. Historically, Swabalamban Laghubitta Bittiyanstha's own ROE % has ranged from 8.96 to 41.55 over the past decade. While the company's 10-year median is 21.53 vs. the industry median of 10.22, Swabalamban Laghubitta Bittiyanstha 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 1,524 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. Swabalamban Laghubitta Bittiyanstha's current ROE % of 15.41% is 50.8% 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 Swabalamban Laghubitta Bittiyanstha 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. Swabalamban Laghubitta Bittiyanstha's current ROE % is 15.41%, which is 28% below median its own 10-year median of 21.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swabalamban Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR777.98, compared to a current price of NPR701.00 — trading 9.9% below its estimated fair value. The current ROE % is 15.41%, which is 28% below median its 10-year median of 21.53 and 50.8% above the Banks industry median of 10.22. Swabalamban Laghubitta Bittiyanstha's overall GF Score™ is 90/100 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current ROE % is 15.41% 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 Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Swabalamban Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR701.00 is trading 9.9% below its estimated GF Value™ of NPR777.98.
GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.
Key valuation signals for XNEP:SWBBL:
ROE %: 15.41% (28% below median its 10-year median of 21.53)
GF Value™: NPR777.98 vs. price of NPR701.00 (9.9% below fair value)
Industry Position: 50.8% above the Banks median (#206 of 1524)
No single metric tells the full story. See the XNEP:SWBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swabalamban Laghubitta Bittiyanstha Business Description
Swabalamban Laghubitta Bittiya Sanstha Ltd is a microfinance development bank in Nepal that provides sustainable financial services, prominently microcredit and savings products. The company's offerings include loans, savings, Insurance Services, Interest Rates, and Credit Plus Activities. The primary objective of the company is to provide the disadvantaged section of the rural poor with easy access to credit. The company has identified seven segments: Koshi Province, Madesh Province, Bagmati Province, Gandaki Province, Lumbini Province, Karnali Province and Sudurpaschim Province. The majority of interest revenue is derived from the Madesh Province.
90GF Score
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