Kumari Bank (XNEP:KBL) Quality Rank

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
68 GF Score
Price NPR215.00
GF Value NPR192.20
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Kumari Bank Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Kumari Bank Quality Rank Related Terms

XNEP:KBL
68GF Score
Kumari Bank Ltd XNEP:KBL
Quality Rank 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 overvalued. The current stock price of NPR215.00 is trading 11.9% above its estimated GF Value™ of NPR192.20. GuruFocus considers Kumari Bank to be Modestly Overvalued.

Key valuation signals for XNEP:KBL:

  • Quality Rank:
  • GF Value™: NPR192.20 vs. price of NPR215.00 (11.9% above fair value)
  • GF Score™: 68/100 with 2 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.
68GF Score

Get the complete analysis for XNEP:KBL

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

NPR215.00
Price
NPR192.20
GF Value