Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Margin of Safety % (DCF Dividends Based): -196.92% (As of Aug. 29, 2026)

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XNEP:NUBL Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
79 GF Score
Price NPR574.00
GF Value NPR616.61
Valuation Fairly Valued
! 2 Warning Signs
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What is Nirdhan Utthan Laghubitta Bittiyanstha Margin of Safety % (DCF Dividends Based)?

Nirdhan Utthan Laghubitta Bittiyanstha XNEP:NUBL 79 Margin of Safety % (DCF Dividends Based) is -196.92% as of Aug. 29, 2026. GuruFocus rates XNEP:NUBL with a GF Score™ of 79/100 and a GF Value™ of NPR616.61 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-29), Nirdhan Utthan Laghubitta Bittiyanstha's Predictability Rank is 3-Stars. Nirdhan Utthan Laghubitta Bittiyanstha's intrinsic value calculated from the Discounted Dividend model is NPR214.81 and current share price is NPR574.00. Consequently,

Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is -196.92%.


Nirdhan Utthan Laghubitta Bittiyanstha Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) falls into.


XNEP:NUBL
79GF Score
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Nirdhan Utthan Laghubitta Bittiyanstha Margin of Safety % (DCF Dividends Based) Calculation

Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(193.32-574.00)/193.32
=-196.92 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of -196.92% mean?
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a Margin of Safety % (DCF Dividends Based) of -196.92% as of Aug. 29, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha.
Is Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current Margin of Safety % (DCF Dividends Based) is -196.92%. 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 Margin of Safety % (DCF Dividends Based) compare to competitors?
Nirdhan Utthan Laghubitta Bittiyanstha's Margin of Safety % (DCF Dividends Based) of -196.92% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha. Nirdhan Utthan Laghubitta Bittiyanstha's current Margin of Safety % (DCF Dividends Based) is -196.92%. 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 Margin of Safety % (DCF Dividends Based) is -196.92%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current Margin of Safety % (DCF Dividends Based) is -196.92% as of Aug. 29, 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:

  • Margin of Safety % (DCF Dividends Based): -196.92%
  • GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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 Bittiyanstha Business Description

Address Nirdhan Bhawan Bhagwatibahal, Naxal -01, Kathmandu, NPL
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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR574.00
Price
NPR616.61
GF Value