Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,125.00

NPR +11+0.99%

09:14 AM NPT · Aug 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

1,071.00

High

1,165.00

Low

1,071.00

Prev Close

1,114.00

Volume

13,675

Turnover

Rs 15,266,312.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

29.28

EPS TTM

39.86

BVPS

163.92

P/E Ann.

38.42

P/E TTM

28.22

Graham #

328.62

Capital

Mkt Cap

8.25 Arab

Total

73.3 Lakh

Public

23.46 Lakh

Promoter

49.85 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

62.7

ADX

50.5

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1096.83

SMA 50

1087.54

Bands & Channels

BB Width %

4.68%

Volume & Flow

OBV

1,764,671

Flow Analysis

[ Live 2026-08-13 ]

Total Buy

58,703

Shares Bought

Total Sell

58,703

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

23,849

Amount

26,095,441

Avg Rate

1094.19

Rank

Brokers

#62#38#74

Distributors

Quantity

18,859

Amount

20,577,015

Avg Rate

1091.10

Rank

Brokers

#96#57#35#50#60

Net Flow Impact:

+4,990units

(Rs. 5,518,426)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 76,304 ]

Buy Side

Total: 36,041

Broker

QTY

AVG

NET

11,490

1085.02

+8,410

19.6%

7,740

1104.01

+4,122

13.2%

4,619

1100.59

+1,565

7.9%

2,533

1094.89

+71

4.3%

2,300

1101.35

+834

3.9%

1,500

1102.30

+1,490

2.6%

1,255

1116.40

+1,193

2.1%

1,005

1106.77

+596

1.7%

988

1099.85

+840

1.7%

580

1101.36

+240

1.0%

510

1102.78

+476

0.9%

500

1081.10

+490

0.8%

401

1104.46

+173

0.7%

346

1120.39

+244

0.6%

274

1104.41

+221

0.5%

Sell Side

Total: 40,263

Broker

QTY

AVG

NET

10,277

1098.81

-219

17.5%

9,843

1086.12

-9,843

16.8%

6,010

1118.99

-10

10.2%

5,050

1095.94

-1,150

8.6%

1,615

1098.34

-1,547

2.8%

1,196

1108.64

-1,196

2.0%

1,155

1084.09

-1,155

2.0%

1,019

1104.63

-1,019

1.7%

994

1107.45

-548

1.7%

844

1105.15

-407

1.4%

709

1096.49

-709

1.2%

428

1105.37

-319

0.7%

403

1104.39

-203

0.7%

370

1089.65

-370

0.6%

350

1072.69

-332

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	802,686	733,046	641,616	0	+9.50%
Reserves and Surplus	513,095	391,270	378,462	0	+31.14%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	6,840,014	6,379,388	6,032,622	0	+7.22%
Deposits	3,660,512	3,112,046	2,859,002	0	+17.62%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	224,078	206,925	149,504	0	+8.29%
Total Capital & Liabilities	12,040,385	10,822,676	10,061,206	0	+11.25%
Assets
Cash and Bank Balance	555,796	539,998	265,673	0	+2.93%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	710.00	710.00	0.00	0	0.00%
Loan and Advances	11,367,705	10,150,472	9,734,646	0	+11.99%
Fixed Assets	44,895	32,790	32,684	0	+36.91%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	71,279	98,705	28,202	0	-27.79%
Total Assets	12,040,385	10,822,676	10,061,206	0	+11.25%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	943	0	0%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ANLB	5,400	+94.96	+1.79%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,089	+29.04	+2.74%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	935	+1.96	+0.21%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,300	+62.97	+5.09%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	855	+5.01	+0.59%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,163.2	+16.17	+1.41%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	776	-12.7	-1.61%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	939	+4.02	+0.43%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	743.6	-6.3	-0.84%	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	1,110	+32.02	+2.97%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,757	+4.03	+0.23%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,180	+27.99	+2.43%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	879	+4.02	+0.46%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	893	+18.02	+2.06%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,260	-10.03	-0.79%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	960	-7.06	-0.73%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	780	-16.32	-2.05%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	885	0	0%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	805	+3.93	+0.49%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	662	-1.13	-0.17%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,062.5	-4.48	-0.42%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	5.34	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,198.97	11.19	0.65%	0.01	0.122	204.07	136.73%	7.44	31.67	34.73	388.59	7.61	7.52	16.48	11.74%	8.475	55.53	1.299	46.615	13.047	1.99	2.2%	16.43	18.07%
MED	941	3.97	0.33%	0	0.13	178.61	111.22%	7.08	32.55	34.99	381.86	7.86	7.79	16.7	10.61%	7.8	45.99	0.595	31.655	9.97	2.17	2.38%	14.54	18.6%
MAX	5,400	94.96	5.09%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	662	-16.32	-2.05%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%