Excel Development Bank (XNEP:EDBL) Moat Score: 0/10 (As of Aug. 04, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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:EDBL Excel Development Bank Ltd XNEP:EDBL
53 GF Score
Price NPR583.00
GF Value NPR380.64
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Excel Development Bank Moat Score?

Excel Development Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Excel Development Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Excel Development Bank might have No Moat - No discernible moat.

Excel Development Bank  (XNEP:EDBL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Excel Development Bank Moat Score Related Terms

XNEP:EDBL
53GF Score
Excel Development Bank Ltd XNEP:EDBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Excel Development Bank (XNEP:EDBL) Overvalued in 2026?

Based on GuruFocus' analysis, Excel Development Bank stock appears to be overvalued. The current stock price of NPR583.00 is trading 53.2% above its estimated GF Value™ of NPR380.64. GuruFocus considers Excel Development Bank to be Significantly Overvalued.

Key valuation signals for XNEP:EDBL:

  • Moat Score: 0
  • GF Value™: NPR380.64 vs. price of NPR583.00 (53.2% above fair value)
  • GF Score™: 53/100 with 1 warning sign

No single metric tells the full story. See the XNEP:EDBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Excel Development Bank Business Description

Address Bhadrapur Road, Mukti Chowk, Ward No. 4, Birtamode Municipality, Birtamode, Jhapa, NPL
Excel Development Bank Ltd is a banking company. It offers savings accounts, fixed deposits, current accounts, loans, and other services. The bank provides services to g individuals, corporates, large public sector companies, government corporations, etc.
53GF Score

Get the complete analysis for XNEP:EDBL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR583.00
Price
NPR380.64
GF Value