Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) Altman Z-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:AVYAN Aviyan Laghubitta Bittiya Sanstha Ltd XNEP:AVYAN
55 GF Score
Price NPR1,060.00
GF Value NPR1,788.91
Valuation Possible Value Trap
! 1 Warning Sign
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What is Aviyan Laghubitta Bittiyanstha Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

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

XNEP:AVYAN
55GF Score
Aviyan Laghubitta Bittiya Sanstha Ltd XNEP:AVYAN
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) Overvalued in 2026?

Based on GuruFocus' analysis, Aviyan Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR1,060.00 is trading 40.7% below its estimated GF Value™ of NPR1,788.91. GuruFocus considers Aviyan Laghubitta Bittiyanstha to be Possible Value Trap.

Key valuation signals for XNEP:AVYAN:

  • Altman Z-Score:
  • GF Value™: NPR1,788.91 vs. price of NPR1,060.00 (40.7% below fair value)
  • GF Score™: 55/100 with 1 warning sign

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

Aviyan Laghubitta Bittiyanstha Business Description

Address Panauti-4, kavre, NPL
Aviyan Laghubitta Bittiya Sanstha Ltd provides retail microfinance in Nepal. It offers various loans, such as general, alternate energy, seasonal, discipline, emergency, micro entrepreneur, foreign employment, education, home construction, agro equipment, business loans, and SRG loans.
55GF Score

Get the complete analysis for XNEP:AVYAN

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

NPR1,060.00
Price
NPR1,788.91
GF Value