Kumari Bank (XNEP:KBL) Altman Z2-Score

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
77 GF Score
Price NPR210.00
GF Value NPR232.08
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Kumari Bank Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

XNEP:KBL
77GF Score
Kumari Bank Ltd XNEP:KBL
Altman Z2-Score 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 undervalued. The current stock price of NPR210.00 is trading 9.5% below its estimated GF Value™ of NPR232.08. GuruFocus considers Kumari Bank to be Modestly Undervalued.

Key valuation signals for XNEP:KBL:

  • Altman Z2-Score:
  • GF Value™: NPR232.08 vs. price of NPR210.00 (9.5% below fair value)
  • GF Score™: 77/100 with 1 warning sign

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.
77GF Score

Get the complete analysis for XNEP:KBL

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR210.00
Price
NPR232.08
GF Value