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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.
Swabalamban Laghubitta Bittiyanstha's 3-Year RORE % for the quarter that ended in Apr. 2026 was 31.67%.
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.
Swabalamban Laghubitta Bittiyanstha 3-Year RORE % Related Terms
Swabalamban 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, Swabalamban 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.
Swabalamban Laghubitta Bittiyanstha 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Swabalamban Laghubitta Bittiyanstha's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Swabalamban 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 Apr. 2026 and 3-year before.
Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL) has a 3-Year RORE % of 31.67 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 Swabalamban Laghubitta Bittiyanstha and its competitors. According to the industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #243 out of 1471 companies in the Banks industry, placing it in the top 16.5%.
Is Swabalamban Laghubitta Bittiyanstha's 3-Year RORE % too high?
Swabalamban Laghubitta Bittiyanstha's current 3-Year RORE % is 31.67. The Banks industry median 3-Year RORE % is 9.89. Swabalamban Laghubitta Bittiyanstha's value of 31.67 is 220.2% above this industry median. Based on the distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #243 out of 1471 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Swabalamban Laghubitta Bittiyanstha ranks #243 out of 1471 companies for 3-Year RORE %. This places Swabalamban Laghubitta Bittiyanstha in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.89. Swabalamban Laghubitta Bittiyanstha's value of 31.67 is 220.2% 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 Banks company?
The median 3-Year RORE % among Banks companies is 9.89, based on 1,471 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. Swabalamban Laghubitta Bittiyanstha's current 3-Year RORE % of 31.67 is 220.2% 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 Swabalamban Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swabalamban Laghubitta Bittiyanstha's current 3-Year RORE % is 31.67. 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 NPR777.57, compared to a current price of NPR643.00 — trading 17.3% below its estimated fair value. The current 3-Year RORE % is 31.67 and 220.2% above the Banks industry median of 9.89. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Swabalamban Laghubitta Bittiyanstha (XNEP:SWBBL), the current 3-Year RORE % is 31.67 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 NPR643.00 is trading 17.3% below its estimated GF Value™ of NPR777.57.
GuruFocus considers Swabalamban Laghubitta Bittiyanstha to be Modestly Undervalued.
Key valuation signals for XNEP:SWBBL:
3-Year RORE %: 31.67
GF Value™: NPR777.57 vs. price of NPR643.00 (17.3% below fair value)
Industry Position: 220.2% above the Banks median (#243 of 1471)
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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