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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.
Jeevan Bikas Laghubitta Bittiyanstha's 3-Year RORE % for the quarter that ended in Jul. 2026 was 9.34%.
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.
Jeevan Bikas Laghubitta Bittiyanstha 3-Year RORE % Related Terms
Jeevan Bikas Laghubitta Bittiyanstha 3-Year RORE % 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, Jeevan Bikas Laghubitta Bittiyanstha'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.
Jeevan Bikas Laghubitta Bittiyanstha 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Jeevan Bikas Laghubitta Bittiyanstha's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Jeevan Bikas Laghubitta Bittiyanstha'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 Jul. 2026 and 3-year before.
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) has a 3-Year RORE % of 9.34 as of Jul. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Jeevan Bikas Laghubitta Bittiyanstha and its competitors. According to the industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #793 out of 1465 companies in the Banks industry, placing it in the top 54.1%.
Is Jeevan Bikas Laghubitta Bittiyanstha's 3-Year RORE % too high?
Jeevan Bikas Laghubitta Bittiyanstha's current 3-Year RORE % is 9.34. The Banks industry median 3-Year RORE % is 11.15. Jeevan Bikas Laghubitta Bittiyanstha's value of 9.34 is 16.2% below this industry median. Based on the distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #793 out of 1465 companies in the Banks industry, which is below the industry midpoint. Overall, Jeevan Bikas Laghubitta Bittiyanstha has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jeevan Bikas Laghubitta Bittiyanstha's 3-Year RORE % compare to ?
According to the Banks industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #793 out of 1465 companies for 3-Year RORE %. This places Jeevan Bikas Laghubitta Bittiyanstha in the lower half of its industry. The industry median 3-Year RORE % is 11.15. Jeevan Bikas Laghubitta Bittiyanstha's value of 9.34 is 16.2% below this benchmark. 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 11.15, based on 1,465 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. Jeevan Bikas Laghubitta Bittiyanstha's current 3-Year RORE % of 9.34 is 16.2% 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 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 Jeevan Bikas Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median 3-Year RORE % is 11.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jeevan Bikas Laghubitta Bittiyanstha's current 3-Year RORE % is 9.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeevan Bikas Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) is currently considered Fairly Valued. The stock's GF Value™ is NPR1,177.55, compared to a current price of NPR1,252.00 — trading 6.3% above its estimated fair value. The current 3-Year RORE % is 9.34 and 16.2% below the Banks industry median of 11.15. Jeevan Bikas Laghubitta Bittiyanstha's overall GF Score™ is 88/100 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB), the current 3-Year RORE % is 9.34 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be overvalued.
The current stock price of NPR1,252.00 is trading 6.3% above its estimated GF Value™ of NPR1,177.55.
GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:JBLB:
3-Year RORE %: 9.34
GF Value™: NPR1,177.55 vs. price of NPR1,252.00 (6.3% above fair value)
Industry Position: 16.2% below the Banks median (#793 of 1465)
No single metric tells the full story. See the XNEP:JBLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
88GF Score
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