Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,165.10

NPR -29.9-2.50%

09:14 AM NPT · Oct 13, 2026

Est. 2063 B.S. (as per registration under BFIA, Nepal) · Sanga, Banepa-13, Kavrepalanchok, Nepal · CEO: Badri Prasad Dulal

Asha Laghubitta Bittiya Sanstha Limited (ALBSL) is a Nepal-based microfinance institution that aims to provide financial services to underserved and deprived communities. Established under microfinance regulation, ALBSL started operations to deliver small loans, savings products, and other microfinance services to low-income groups, often with emphasis on financial inclusion of marginalized segments. Over time, it grew to become a listed company on the Nepal Stock Exchange (NEPSE) its shares trade under the symbol “ALBSL”. ALBSL has a paid-up capital of NPR 73,30,46,300 (i.e. 73.30 crore) and total listed shares amounting to ~ 73.3 lakh units. The institution’s business focus includes micro-loans, savings, and other microfinance operations with the objective to foster financial inclusion and provide access to credit for underserved populations across Nepal.

www.ashamicrofinance.com.np/facebook

Trading

Open

1,167.00

High

1,197.90

Low

1,165.10

Prev Close

1,195.00

Volume

11,870

Turnover

Rs 13,881,043.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

32.63

EPS TTM

32.63

BVPS

174.67

P/E Ann.

35.71

P/E TTM

35.71

Graham #

358.10

Capital

Mkt Cap

8.54 Arab

Total

73.3 Lakh

Public

23.46 Lakh

Promoter

49.85 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

49.02

ADX

57.24

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1189.07

SMA 50

1138.95

Bands & Channels

BB Width %

3.78%

Volume & Flow

OBV

1,991,940

Flow Analysis

[ Live 2026-10-13 ]

Total Buy

44,860

Shares Bought

Total Sell

44,860

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 25%

Distribution 75%

Accumulators

Quantity

10,755

Amount

12,574,098

Avg Rate

1169.14

Rank

Brokers

#50#58

Distributors

Quantity

32,347

Amount

37,900,430

Avg Rate

1171.68

Rank

Brokers

#38#86#74#54#98

Net Flow Impact:

-21,592units

(Rs. -25,326,333)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 54,966 ]

Buy Side

Total: 16,351

Broker

QTY

AVG

NET

5,540

1167.46

+5,480

12.3%

5,215

1170.93

+4,543

11.6%

1,612

1168.68

+199

3.6%

1,372

1168.43

+661

3.1%

478

1172.45

+416

1.1%

470

1169.20

+97

1.1%

427

1169.85

+327

0.9%

350

1166.60

+267

0.8%

343

1172.21

+301

0.8%

176

1188.01

+153

0.4%

150

1171.76

+150

0.3%

120

1171.82

+120

0.3%

1166.05

+52

0.1%

1172.00

+10

0.0%

1146.82

0.0%

Sell Side

Total: 38,615

Broker

QTY

AVG

NET

13,432

1170.95

-2,606

29.9%

13,276

1173.05

-1,003

29.6%

3,068

1172.61

-1,083

6.8%

2,477

1170.32

-5

5.5%

1,500

1168.59

-1,500

3.3%

1,071

1165.56

-1,071

2.4%

842

1176.16

-782

1.9%

550

1169.18

-550

1.2%

443

1179.38

-353

1.0%

435

1184.96

-435

1.0%

363

1174.61

-354

0.8%

344

1184.82

-234

0.8%

316

1174.94

-124

0.7%

261

1176.58

-261

0.6%

237

1169.21

-225

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	733,046	641,616	0	+14.25%
Reserves and Surplus	0	534,394	400,853	0	+33.31%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	6,862,871	6,454,107	6,394,637	0	+6.33%
Deposits	0	3,211,170	2,803,572	0	+14.54%
Income Tax Liabilities	0	11,652	570	0	+1944.03%
Other Liabilities	236,179	215,646	116,467	0	+9.52%
Total Capital & Liabilities	0	11,160,015	10,357,715	0	+7.75%
Assets
Cash and Bank Balance	0	599,869	806,968	0	-25.66%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	2,046	0	0	-
Loan and Advances	0	10,449,350	9,488,039	0	+10.13%
Fixed Assets	0	35,757	35,741	0	+0.04%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	42,741	56,292	11,490	0	-24.07%
Total Assets	12,314,836	11,160,015	10,357,715	0	+10.35%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	852	-1.02	-0.12%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ANLB	4,774	-44.81	-0.93%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,013	-4.99	-0.49%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	962	+11.41	+1.2%	0.03	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,478.6	-1.33	-0.09%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	853	+1.53	+0.18%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,097	-162.04	-12.87%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	727	-1.02	-0.14%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	882	+4.04	+0.46%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	650	+0.13	+0.02%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,096	-8.95	-0.81%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,640	-10.07	-0.61%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,040	-29.08	-2.72%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	860	+1.97	+0.23%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	900	-5.98	-0.66%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,260	+5.02	+0.4%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	934.9	-0.84	-0.09%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	788.9	+12.88	+1.66%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	815	+5.02	+0.62%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	701.3	-12.56	-1.76%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	575	-4.87	-0.84%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	924	-5.02	-0.54%	0	0.12	167.93	237.58%	7.88	20.07	20.07	275.38	7.03	6.92	11.91	9.89%	6.65	55.66	-	49.48	6.63	1.38	1.38%	11.97	11.97%

AVG	1,128.35	-11.39	-0.81%	0.01	0.124	209.9	136.15%	7.23	39.03	38.88	419.63	7.68	7.17	19.51	11%	6.014	40.28	2.618	38.042	7.185	2.35	2.34%	18.83	18.78%
MED	912	-1.18	-0.13%	0	0.125	179.82	114.29%	6.85	33.59	33.59	363.24	8.13	7.19	18.83	9.84%	4.92	28.01	0.865	30.22	4.99	2.34	2.34%	17.58	17.58%
MAX	4,774	12.88	1.66%	0.03	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	575	-162.04	-12.87%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%