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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.
NMB Microfinance Bittiyanstha's 3-Year RORE % for the quarter that ended in Apr. 2026 was 723.61%.
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.
NMB Microfinance Bittiyanstha 3-Year RORE % Related Terms
NMB Microfinance 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.
XNEP:NMBMF vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, NMB Microfinance 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.
NMB Microfinance Bittiyanstha 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where NMB Microfinance 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 Apr. 2026 and 3-year before.
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a 3-Year RORE % of 723.61 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 NMB Microfinance Bittiyanstha and its competitors. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #8 out of 518 companies in the Credit Services industry, placing it in the top 1.5%.
Is NMB Microfinance Bittiyanstha's 3-Year RORE % too high?
NMB Microfinance Bittiyanstha's current 3-Year RORE % is 723.61. The Credit Services industry median 3-Year RORE % is 8.06. NMB Microfinance Bittiyanstha's value of 723.61 is 8883.4% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #8 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #8 out of 518 companies for 3-Year RORE %. This places NMB Microfinance Bittiyanstha in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.06. NMB Microfinance Bittiyanstha's value of 723.61 is 8883.4% above 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.06, based on 518 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. NMB Microfinance Bittiyanstha's current 3-Year RORE % of 723.61 is 8883.4% 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 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current 3-Year RORE % is 723.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,176.82, compared to a current price of NPR625.00 — trading 71.3% below its estimated fair value. The current 3-Year RORE % is 723.61 and 8883.4% above the Credit Services industry median of 8.06. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current 3-Year RORE % is 723.61 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR625.00 is trading 71.3% below its estimated GF Value™ of NPR2,176.82.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
3-Year RORE %: 723.61
GF Value™: NPR2,176.82 vs. price of NPR625.00 (71.3% below fair value)
Industry Position: 8883.4% above the Credit Services median (#8 of 518)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
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