Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) GF Value Rank: 4 (As of Sep. 03, 2026) — 33% Above Median

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:KMCDB Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
72 GF Score
Price NPR763.00
GF Value NPR1,384.73
Valuation Significantly Undervalued
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What is Kalika Laghubitta Bittiyanstha GF Value Rank?

Kalika Laghubitta Bittiyanstha XNEP:KMCDB +0.12% 72 GF Value Rank is 4 as of Sep. 03, 2026, which is 33% above its 10-year median of 3.00. GuruFocus rates XNEP:KMCDB with a GF Score™ of 72/100 and a GF Value™ of NPR1,384.73 (Significantly Undervalued).

Kalika Laghubitta Bittiyanstha has the GF Value Rank of 4.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Kalika Laghubitta Bittiyanstha GF Value Rank Related Terms

Kalika Laghubitta Bittiyanstha GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Kalika Laghubitta Bittiyanstha's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Kalika Laghubitta Bittiyanstha GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Kalika Laghubitta Bittiyanstha's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Kalika Laghubitta Bittiyanstha's GF Value Rank falls into.


XNEP:KMCDB
72GF Score
Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 4 mean?
Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) has a GF Value Rank of 4 as of Sep. 03, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Kalika Laghubitta Bittiyanstha and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Kalika Laghubitta Bittiyanstha's GF Value Rank has ranged from 1.00 to 10.00.
Is Kalika Laghubitta Bittiyanstha's GF Value Rank too high?
Kalika Laghubitta Bittiyanstha's current GF Value Rank of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Kalika Laghubitta Bittiyanstha has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kalika Laghubitta Bittiyanstha's GF Value Rank compare to competitors?
Kalika Laghubitta Bittiyanstha's GF Value Rank of 4 can be compared against companies in the Banks industry. Historically, Kalika Laghubitta Bittiyanstha's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Kalika Laghubitta Bittiyanstha and its competitors. Kalika Laghubitta Bittiyanstha's current GF Value Rank is 4, which is 33% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kalika Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR1,384.73, compared to a current price of NPR763.00 — trading 44.9% below its estimated fair value. The current GF Value Rank is 4, which is 33% above median its 10-year median of 3.00. Kalika Laghubitta Bittiyanstha's overall GF Score™ is 72/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Kalika Laghubitta Bittiyanstha (XNEP:KMCDB), the current GF Value Rank is 4 as of Sep. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Overvalued in 2026?

Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR763.00 is trading 44.9% below its estimated GF Value™ of NPR1,384.73. GuruFocus considers Kalika Laghubitta Bittiyanstha to be Significantly Undervalued.

Key valuation signals for XNEP:KMCDB:

  • GF Value Rank: 4 (33% above median its 10-year median of 3.00)
  • GF Value™: NPR1,384.73 vs. price of NPR763.00 (44.9% below fair value)
  • GF Score™: 72/100

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

Kalika Laghubitta Bittiyanstha Business Description

Address Buddhachowk, Pokhara-10, Kaski, NPL
Kalika Laghubitta Bittiya Sanstha Ltd is a licensed bank in Nepal. It provides retail microfinance services to the economically and socially disadvantaged and deprived people. It offers saving products including compulsory saving, personal saving, pension saving, festival saving, and optional saving. It also offers loan products including general loans, collateral loans, emergency loans, micro-entrepreneur loans, and group agricultural loans.
72GF Score

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

NPR763.00
Price
NPR1,384.73
GF Value