Sikhar Insurance Co.Ltd (XNEP:SICL) Moat Score: 0/10 (As of Aug. 12, 2026)

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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
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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:SICL Sikhar Insurance Co.Ltd XNEP:SICL
87 GF Score
Price NPR615.00
GF Value NPR760.79
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Sikhar Insurance Co.Ltd Moat Score?

Sikhar Insurance Co.Ltd has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Sikhar Insurance Co.Ltd 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 Sikhar Insurance Co.Ltd might have No Moat - No discernible moat.

Sikhar Insurance Co.Ltd  (XNEP:SICL) 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

Sikhar Insurance Co.Ltd Moat Score Related Terms

XNEP:SICL
87GF Score
Sikhar Insurance Co.Ltd XNEP:SICL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Sikhar Insurance Co.Ltd (XNEP:SICL) Overvalued in 2026?

Based on GuruFocus' analysis, Sikhar Insurance Co.Ltd stock appears to be undervalued. The current stock price of NPR615.00 is trading 19.2% below its estimated GF Value™ of NPR760.79. GuruFocus considers Sikhar Insurance Co.Ltd to be Modestly Undervalued.

Key valuation signals for XNEP:SICL:

  • Moat Score: 0
  • GF Value™: NPR760.79 vs. price of NPR615.00 (19.2% below fair value)
  • GF Score™: 87/100 with 5 warning signs

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

Sikhar Insurance Co.Ltd Business Description

Address Shikhar Biz Centre, P.O. Box 10692, Thapathali, Kathmandu, NPL
Sikhar Insurance Co.Ltd is engaged in providing non-life insurance services. The company's operating segments include fire; marine; motor; engineering; micro; aviation; cattle and crop and miscellaneous. It generates maximum revenue from the motor segment. The company offers Agri Insurance; Aviation Insurance; Banker's Indemnity Insurance; Cash in Transit; Duty Insurance; Fidelity Guarantee; Fire and Allied Peril; Group Medical; Group Personal Accident; Household Insurance; Secure Mind Insurance and others.
87GF Score

Get the complete analysis for XNEP:SICL

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

NPR615.00
Price
NPR760.79
GF Value