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Unilever NepalXNEP:UNL 99 Altman Z-Score is 13.18 as of Jul. 19, 2026, which is 2% below its 10-year median of 13.42. GuruFocus rates XNEP:UNL with a GF Score™ of 99/100 and a GF Value™ of NPR41,178.55 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,932 Consumer Packaged Goods companies, Unilever Nepal ranks better than 94.15% on this metric.
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.
Good Sign:
Altman Z-score of 13.18 is strong.
Unilever Nepal has a Altman Z-Score of 13.18, indicating it is in Safe Zones. This implies the Altman Z-Score is strong.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for Unilever Nepal's Altman Z-Score or its related term are showing as below:
XNEP:UNL'
s Altman Z-Score Range Over the Past 10 Years
Min: 7.97 Med: 13.42 Max: 23.08
Current: 13.18
During the past 10 years, Unilever Nepal's highest Altman Z-Score was 23.08. The lowest was 7.97. And the median was 13.42.
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
Altman Z-Score does not apply to financial companies.
Unilever Nepal Altman Z-Score Related Terms
Unilever Nepal Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Unilever Nepal's Altman Z-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XNEP:UNL vs PG, CL, KVUE: Altman Z-Score Comparison
For the Household & Personal Products subindustry, Unilever Nepal's Altman Z-Score, along with its competitors' market caps and Altman Z-Score 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.
Unilever Nepal Altman Z-Score vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, Unilever Nepal's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Unilever Nepal's Altman Z-Score falls into.
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
Unilever Nepal's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
0.4523
+
1.4
*
0.556
+
3.3
*
0.3147
+
0.6
*
16.2858
+
1.0
*
1.0444
=
13.18
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
Unilever Nepal (XNEP:UNL) has a Altman Z-Score of 13.18 as of Jul. 19, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Unilever Nepal and its competitors. This is near median its historical median of 13.42. Over the past decade, Unilever Nepal's Altman Z-Score has ranged from 7.97 to 23.08. According to the industry distribution chart, Unilever Nepal ranks #113 out of 1932 companies in the Consumer Packaged Goods industry, placing it in the top 5.8%.
Is Unilever Nepal's Altman Z-Score too high?
Unilever Nepal's current Altman Z-Score of 13.18 is near median its 10-year median of 13.42. Over the past 10 years, this metric has ranged from a low of 7.97 to a high of 23.08. The Consumer Packaged Goods industry median Altman Z-Score is 2.86. Unilever Nepal's value of 13.18 is 361.6% above this industry median. Based on the distribution chart, Unilever Nepal ranks #113 out of 1932 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, Unilever Nepal has a GF Score™ of 99/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unilever Nepal's Altman Z-Score compare to PG and CL?
According to the Consumer Packaged Goods industry distribution chart, Unilever Nepal ranks #113 out of 1932 companies for Altman Z-Score. This places Unilever Nepal in the top 6% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.86. Unilever Nepal's value of 13.18 is 361.6% above this benchmark. Historically, Unilever Nepal's own Altman Z-Score has ranged from 7.97 to 23.08 over the past decade. While the company's 10-year median is 13.42 vs. the industry median of 2.86, Unilever Nepal has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Altman Z-Score for a Consumer Packaged Goods company?
The median Altman Z-Score among Consumer Packaged Goods companies is 2.86, based on 1,932 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unilever Nepal's current Altman Z-Score of 13.18 is 361.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Unilever Nepal and its competitors. For the Consumer Packaged Goods industry, the median Altman Z-Score is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unilever Nepal's current Altman Z-Score is 13.18, which is near median its own 10-year median of 13.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unilever Nepal stock overvalued right now?
Based on GuruFocus' analysis, Unilever Nepal (XNEP:UNL) is currently considered Modestly Overvalued. The stock's GF Value™ is NPR41,178.55, compared to a current price of NPR47,200.00 — trading 14.6% above its estimated fair value. The current Altman Z-Score is 13.18, which is near median its 10-year median of 13.42 and 361.6% above the Consumer Packaged Goods industry median of 2.86. Unilever Nepal's overall GF Score™ is 99/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Unilever Nepal (XNEP:UNL), the current Altman Z-Score is 13.18 as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Unilever Nepal (XNEP:UNL) Overvalued in 2026?
Based on GuruFocus' analysis, Unilever Nepal stock appears to be overvalued.
The current stock price of NPR47,200.00 is trading 14.6% above its estimated GF Value™ of NPR41,178.55.
GuruFocus considers Unilever Nepal to be Modestly Overvalued.
Key valuation signals for XNEP:UNL:
Altman Z-Score: 13.18 (near median its 10-year median of 13.42)
GF Value™: NPR41,178.55 vs. price of NPR47,200.00 (14.6% above fair value)
Industry Position: 361.6% above the Consumer Packaged Goods median (#113 of 1932)
No single metric tells the full story. See the XNEP:UNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unilever Nepal Ltd is engaged in manufacturing and selling personal products for the domestic market and exports to India. The company operates in a single segment namely Fast-moving consumer goods (FMCG) which mainly consist of products like detergents, scourers, laundry soaps, toilet soaps, Personal and Beauty Care Products and Food Products.
99GF Score
Get the complete analysis for XNEP:UNL
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