Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XNEP:NUBL'
s FCF Margin % Range Over the Past 10 Years
Min: -115.99 Med: -7.37 Max: 170.73
Current: -11.26
During the past 13 years, the highest FCF Margin % of Nirdhan Utthan Laghubitta Bittiyanstha was 170.73%. The lowest was -115.99%. And the median was -7.37%.
XNEP:NUBL's FCF Margin % is ranked worse than 77.81% of 1496
companies
in the Banks industry
Industry Median: 27.145
vs XNEP:NUBL: -11.26
* 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, Nirdhan Utthan Laghubitta Bittiyanstha's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Nirdhan Utthan Laghubitta Bittiyanstha FCF Margin % 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.
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a FCF Margin % of -9.68% as of Apr. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. According to the industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1164 out of 1496 companies in the Banks industry, placing it in the top 77.8%.
Is Nirdhan Utthan Laghubitta Bittiyanstha's FCF Margin % too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current FCF Margin % is -9.68%. Based on the distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1164 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #1164 out of 1496 companies for FCF Margin %. This places Nirdhan Utthan Laghubitta Bittiyanstha in the lower half of its industry. The industry median FCF Margin % is 27.15. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.15, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median FCF Margin % is 27.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nirdhan Utthan Laghubitta Bittiyanstha's current FCF Margin % is -9.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR616.61, compared to a current price of NPR574.00 — trading 6.9% below its estimated fair value. The current FCF Margin % is -9.68%. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current FCF Margin % is -9.68% 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61.
GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:NUBL:
FCF Margin %: -9.68%
GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
No single metric tells the full story. See the XNEP:NUBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
79GF Score
Get the complete analysis for XNEP:NUBL
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:NUBL has been successfully added to your 
