NMB Microfinance Bittiyanstha (XNEP:NMBMF) Risk Assessment

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:NMBMF NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
52 GF Score
Price NPR594.00
GF Value NPR2,170.65
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is NMB Microfinance Bittiyanstha Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of NMB Microfinance Bittiyanstha is: High Risk: High uncertainty.

NMB Microfinance Bittiyanstha  (XNEP:NMBMF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

NMB Microfinance Bittiyanstha Risk Assessment Related Terms

XNEP:NMBMF vs V, MA, AXP: Risk Assessment Comparison

For the Credit Services subindustry, NMB Microfinance Bittiyanstha's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

NMB Microfinance Bittiyanstha Risk Assessment vs Credit Services Industry

For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Risk Assessment distribution charts can be found below:

* The bar in red indicates where NMB Microfinance Bittiyanstha's Risk Assessment falls into.


XNEP:NMBMF
52GF Score
NMB Microfinance Bittiya Sanstha Ltd XNEP:NMBMF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued. The current stock price of NPR594.00 is trading 72.6% below its estimated GF Value™ of NPR2,170.65. GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:NMBMF:

  • Risk Assessment:
  • GF Value™: NPR2,170.65 vs. price of NPR594.00 (72.6% below fair value)
  • GF Score™: 52/100 with 2 warning signs

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

NMB Microfinance Bittiyanstha Business Description

Address Street 3, New Road, Zenex Plaza, Kaski, Pokhara, NPL
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
52GF Score

Get the complete analysis for XNEP:NMBMF

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

NPR594.00
Price
NPR2,170.65
GF Value