Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Moat Score: 0/10 (As of Aug. 29, 2026)

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Director of Data and Quant Analytics at GuruFocus
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XNEP:NUBL Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
79 GF Score
Price NPR574.00
GF Value NPR616.61
Valuation Fairly Valued
! 2 Warning Signs
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What is Nirdhan Utthan Laghubitta Bittiyanstha Moat Score?

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

Nirdhan Utthan 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 Nirdhan Utthan Laghubitta Bittiyanstha might have No Moat - No discernible moat.

Nirdhan Utthan Laghubitta Bittiyanstha  (XNEP:NUBL) 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

Nirdhan Utthan Laghubitta Bittiyanstha Moat Score Related Terms

XNEP:NUBL
79GF Score
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd XNEP:NUBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?

Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61. GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.

Key valuation signals for XNEP:NUBL:

  • Moat Score: 0
  • GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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

Nirdhan Utthan Laghubitta Bittiyanstha Business Description

Address Nirdhan Bhawan Bhagwatibahal, Naxal -01, Kathmandu, NPL
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
79GF Score

Get the complete analysis for XNEP:NUBL

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

NPR574.00
Price
NPR616.61
GF Value