Kumari Bank (XNEP:KBL) Moat Score: 0/10 (As of Jul. 30, 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:KBL Kumari Bank Ltd XNEP:KBL
76 GF Score
Price NPR221.00
GF Value NPR232.24
Valuation Fairly Valued
! 3 Warning Signs
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What is Kumari Bank Moat Score?

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

Kumari 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 Kumari Bank might have No Moat - No discernible moat.

Kumari Bank  (XNEP:KBL) 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

Kumari Bank Moat Score Related Terms

XNEP:KBL
76GF Score
Kumari Bank Ltd XNEP:KBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Kumari Bank (XNEP:KBL) Overvalued in 2026?

Based on GuruFocus' analysis, Kumari Bank stock appears to be undervalued. The current stock price of NPR221.00 is trading 4.8% below its estimated GF Value™ of NPR232.24. GuruFocus considers Kumari Bank to be Fairly Valued.

Key valuation signals for XNEP:KBL:

  • Moat Score: 0
  • GF Value™: NPR232.24 vs. price of NPR221.00 (4.8% below fair value)
  • GF Score™: 76/100 with 3 warning signs

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

Kumari Bank Business Description

Address Thirbam Sadak, Tangal, Kathmandu, NPL
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
76GF Score

Get the complete analysis for XNEP:KBL

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

NPR221.00
Price
NPR232.24
GF Value