Nepal Bank (XNEP:NBL) Moat Score: 0/10 (As of Aug. 02, 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:NBL Nepal Bank Ltd XNEP:NBL
81 GF Score
Price NPR270.30
GF Value NPR290.75
Valuation Fairly Valued
! 2 Warning Signs
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What is Nepal Bank Moat Score?

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

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

Nepal Bank  (XNEP:NBL) 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

Nepal Bank Moat Score Related Terms

XNEP:NBL
81GF Score
Nepal Bank Ltd XNEP:NBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Nepal Bank (XNEP:NBL) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal Bank stock appears to be undervalued. The current stock price of NPR270.30 is trading 7% below its estimated GF Value™ of NPR290.75. GuruFocus considers Nepal Bank to be Fairly Valued.

Key valuation signals for XNEP:NBL:

  • Moat Score: 0
  • GF Value™: NPR290.75 vs. price of NPR270.30 (7% below fair value)
  • GF Score™: 81/100 with 2 warning signs

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

Nepal Bank Business Description

Address Dharmapath, Newroad, G.P.O, Box: 36, Kathmandu, NPL
Nepal Bank Ltd is engaged in providing banking products and services. It offers products and services such as deposits and accounts services, loans and advances to corporate and consumers, remittance services, and products. The bank operates in the segments of Banking, Treasury, Remittance, and Government. It derives maximum revenue from the Banking segment, which involves functions like collecting deposits and lending activities, among other similar activities. It provides banking through its branch offices in different geographical locations within the country.
81GF Score

Get the complete analysis for XNEP:NBL

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

NPR270.30
Price
NPR290.75
GF Value