Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) 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:KMCDB Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
74 GF Score
Price NPR760.00
GF Value NPR1,165.42
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Kalika 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:KMCDB
74GF Score
Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Overvalued in 2026?

Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR760.00 is trading 34.8% below its estimated GF Value™ of NPR1,165.42. GuruFocus considers Kalika Laghubitta Bittiyanstha to be Significantly Undervalued.

Key valuation signals for XNEP:KMCDB:

  • Altman Z-Score:
  • GF Value™: NPR1,165.42 vs. price of NPR760.00 (34.8% below fair value)
  • GF Score™: 74/100 with 2 warning signs

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

Kalika Laghubitta Bittiyanstha Business Description

Address Buddhachowk, Pokhara-10, Kaski, NPL
Kalika Laghubitta Bittiya Sanstha Ltd is a licensed bank in Nepal. It provides retail microfinance services to the economically and socially disadvantaged and deprived people. It offers saving products including compulsory saving, personal saving, pension saving, festival saving, and optional saving. It also offers loan products including general loans, collateral loans, emergency loans, micro-entrepreneur loans, and group agricultural loans.
74GF Score

Get the complete analysis for XNEP:KMCDB

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

NPR760.00
Price
NPR1,165.42
GF Value