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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Himalayan Bank's 3-Year RORE % for the quarter that ended in Apr. 2026 was -9.89%.
The industry rank for Himalayan Bank's 3-Year RORE % or its related term are showing as below:
XNEP:HBL's 3-Year RORE % is ranked worse than 82.16% of 1469
companies
in the Banks industry
Industry Median: 11.61
vs XNEP:HBL: -9.89
Himalayan Bank (XNEP:HBL) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Himalayan Bank 3-Year RORE % Related Terms
Himalayan Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Himalayan Bank's 3-Year RORE % 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.
Himalayan Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Himalayan Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
Himalayan Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Himalayan Bank's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Apr. 2026 and 3-year before.
Himalayan Bank (XNEP:HBL) has a 3-Year RORE % of -9.89 as of Apr. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Himalayan Bank and its competitors. According to the industry distribution chart, Himalayan Bank ranks #1207 out of 1469 companies in the Banks industry, placing it in the top 82.2%.
Is Himalayan Bank's 3-Year RORE % too high?
Himalayan Bank's current 3-Year RORE % is -9.89. Based on the distribution chart, Himalayan Bank ranks #1207 out of 1469 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Himalayan Bank has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #1207 out of 1469 companies for 3-Year RORE %. This places Himalayan Bank in the lower half of its industry. The industry median 3-Year RORE % is 11.61. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.61, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Himalayan Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 11.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Himalayan Bank's current 3-Year RORE % is -9.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR219.44, compared to a current price of NPR191.40 — trading 12.8% below its estimated fair value. The current 3-Year RORE % is -9.89. Himalayan Bank's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Himalayan Bank (XNEP:HBL), the current 3-Year RORE % is -9.89 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 Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be undervalued.
The current stock price of NPR191.40 is trading 12.8% below its estimated GF Value™ of NPR219.44.
GuruFocus considers Himalayan Bank to be Modestly Undervalued.
Key valuation signals for XNEP:HBL:
3-Year RORE %: -9.89
GF Value™: NPR219.44 vs. price of NPR191.40 (12.8% below fair value)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
67GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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