Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Moat Score: 0/10 (As of Aug. 15, 2026)

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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
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:JBLB Jeevan Bikas Laghubitta Bittiya Sanstha Ltd XNEP:JBLB
91 GF Score
Price NPR1,263.40
GF Value NPR1,284.96
Valuation Fairly Valued
! 2 Warning Signs
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What is Jeevan Bikas Laghubitta Bittiyanstha Moat Score?

Jeevan Bikas Laghubitta Bittiyanstha has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Jeevan Bikas Laghubitta Bittiyanstha 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 Jeevan Bikas Laghubitta Bittiyanstha might have No Moat - No discernible moat.

Jeevan Bikas Laghubitta Bittiyanstha  (XNEP:JBLB) 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

Jeevan Bikas Laghubitta Bittiyanstha Moat Score Related Terms

XNEP:JBLB
91GF Score
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd XNEP:JBLB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?

Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR1,263.40 is trading 1.7% below its estimated GF Value™ of NPR1,284.96. GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.

Key valuation signals for XNEP:JBLB:

  • Moat Score: 0
  • GF Value™: NPR1,284.96 vs. price of NPR1,263.40 (1.7% below fair value)
  • GF Score™: 91/100 with 2 warning signs

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

Jeevan Bikas Laghubitta Bittiyanstha Business Description

Comparable Companies
Address Katahari-1, Morang, NPL
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
91GF Score

Get the complete analysis for XNEP:JBLB

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

NPR1,263.40
Price
NPR1,284.96
GF Value