Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) 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:JBLB Jeevan Bikas Laghubitta Bittiya Sanstha Ltd XNEP:JBLB
92 GF Score
Price NPR1,255.10
GF Value NPR1,283.28
Valuation Fairly Valued
! 2 Warning Signs
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What is Jeevan Bikas 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:JBLB
92GF Score
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd XNEP:JBLB
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?

Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR1,255.10 is trading 2.2% below its estimated GF Value™ of NPR1,283.28. GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.

Key valuation signals for XNEP:JBLB:

  • Altman Z-Score:
  • GF Value™: NPR1,283.28 vs. price of NPR1,255.10 (2.2% below fair value)
  • GF Score™: 92/100 with 2 warning signs

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

Jeevan Bikas Laghubitta Bittiyanstha Business Description

Comparable Companies
Address Katahari-1, Morang, NPL
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
92GF Score

Get the complete analysis for XNEP:JBLB

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

NPR1,255.10
Price
NPR1,283.28
GF Value