Guheshwori Merchant Bank & Finance (XNEP:GMFIL) Moat Score: 0/10 (As of Sep. 14, 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.
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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:GMFIL Guheshwori Merchant Bank & Finance Ltd XNEP:GMFIL
67 GF Score
Price NPR413.80
GF Value NPR498.15
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Guheshwori Merchant Bank & Finance Moat Score?

Guheshwori Merchant Bank & Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Guheshwori Merchant Bank & Finance 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 Guheshwori Merchant Bank & Finance might have No Moat - No discernible moat.

Guheshwori Merchant Bank & Finance  (XNEP:GMFIL) 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

Guheshwori Merchant Bank & Finance Moat Score Related Terms

XNEP:GMFIL
67GF Score
Guheshwori Merchant Bank & Finance Ltd XNEP:GMFIL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Guheshwori Merchant Bank & Finance (XNEP:GMFIL) Overvalued in 2026?

Based on GuruFocus' analysis, Guheshwori Merchant Bank & Finance stock appears to be undervalued. The current stock price of NPR413.80 is trading 16.9% below its estimated GF Value™ of NPR498.15. GuruFocus considers Guheshwori Merchant Bank & Finance to be Modestly Undervalued.

Key valuation signals for XNEP:GMFIL:

  • Moat Score: 0
  • GF Value™: NPR498.15 vs. price of NPR413.80 (16.9% below fair value)
  • GF Score™: 67/100 with 1 warning sign

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

Guheshwori Merchant Bank & Finance Business Description

Address Pulchowk. Guheswori Bhawan, Harihar Bhawan, Lalitpur, NPL
Guheshwori Merchant Bank & Finance Ltd is engaged in mortgage financing, corporate financing, merchant banking, e-banking, and other financial services. Its products and services include Loans & Advances; Guarantee; Remittance; Card Service; Locker Service; and other ancillary services.
67GF Score

Get the complete analysis for XNEP:GMFIL

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

NPR413.80
Price
NPR498.15
GF Value