Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,063.00

NPR -7-0.65%

09:14 AM NPT · Jun 29, 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

1,056.00

High

1,080.00

Low

1,055.00

Prev Close

1,070.00

Volume

865

Turnover

Rs 921,663

Txns

Valuation · Q3 FY25/26

EPS Ann.

29.28

EPS TTM

39.86

BVPS

163.92

P/E Ann.

36.30

P/E TTM

26.67

Graham #

328.62

Capital

Mkt Cap

7.79 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

27.75

ADX

12.69

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1094.24

SMA 50

1108.12

Bands & Channels

BB Width %

4.67%

Volume & Flow

OBV

1,697,373

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

24,621

Shares Bought

Total Sell

24,621

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

4,404

Amount

4,725,368

Avg Rate

1072.97

Rank

#15

Brokers

#38#88#83

Distributors

Quantity

5,693

Amount

6,081,261

Avg Rate

1068.20

Rank

#11

Brokers

#33#54#62#44#57

Net Flow Impact:

-1,289units

(Rs. -1,355,893)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 31,582 ]

Buy Side

Total: 9,815

Broker

QTY

AVG

NET

1,800

1075.80

+1,388

7.3%

1,342

1066.33

+1,342

5.5%

1,262

1076.00

+1,262

5.1%

1,216

1067.99

+1,181

4.9%

1,084

1072.96

+1,012

4.4%

897

1056.00

+717

3.6%

512

1066.29

+512

2.1%

437

1065.58

+425

1.8%

353

1071.74

+318

1.4%

239

1069.12

+19

1.0%

167

1065.30

+119

0.7%

153

1071.99

+133

0.6%

129

1070.31

+129

0.5%

120

1065.61

+57

0.5%

104

1067.86

+104

0.4%

Sell Side

Total: 21,767

Broker

QTY

AVG

NET

10,352

1077.91

-10

42.0%

1,693

1065.41

-1,692

6.9%

1,508

1076.29

-129

6.1%

1,500

1076.16

-1,050

6.1%

1,091

1088.60

-356

4.4%

1,067

1067.43

-1,067

4.3%

961

1072.80

-382

3.9%

774

1056.61

-644

3.1%

659

1072.11

-649

2.7%

485

1067.03

-485

2.0%

440

1066.20

-415

1.8%

358

1067.28

-358

1.4%

325

1072.00

-325

1.3%

310

1068.10

-210

1.3%

244

1074.62

-218

1.0%

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	938	-1.03	-0.11%	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	5,884.9	-8.84	-0.15%	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	1,043	-16.96	-1.6%	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	910.6	-0.09	-0.01%	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	1,385	-47.86	-3.34%	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	820	-9.96	-1.2%	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	1,420	+185	+14.98%	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	761	-9.01	-1.17%	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	980.1	-9.9	-1%	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	750	-17.58	-2.29%	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	1,095	-7.05	-0.64%	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	1,798	-1.98	-0.11%	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	1,211	-15.2	-1.24%	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	874.5	-0.53	-0.06%	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	892	+1.87	+0.21%	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	1,251	-9.96	-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	1,029.9	-1.13	-0.11%	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	823	+1.97	+0.24%	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	920	-3.05	-0.33%	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	854.1	+4.08	+0.48%	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	707.1	-3.77	-0.53%	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	1,160	-7.94	-0.68%	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	1,250.37	0.96	0.02%	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	959.05	-5.41	-0.43%	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	5,884.9	185	14.98%	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	707.1	-47.86	-3.34%	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%