Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,169.60

NPR -2.4-0.20%

09:14 AM NPT · Nov 6, 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

1,150.00

High

1,184.00

Low

1,143.00

Prev Close

1,172.00

Volume

19,668

Turnover

Rs 22,884,529.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

32.63

EPS TTM

32.63

BVPS

174.67

P/E Ann.

35.84

P/E TTM

35.84

Graham #

358.10

Capital

Mkt Cap

9.39 Arab

Total

80.27 Lakh

Public

25.69 Lakh

Promoter

54.58 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

46.4

ADX

36.95

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1185.31

SMA 50

1161.09

Bands & Channels

BB Width %

4.06%

Volume & Flow

OBV

2,029,806

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

73,278

Shares Bought

Total Sell

73,278

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

14,011

Amount

16,390,210

Avg Rate

1169.81

Rank

Brokers

#34#49#74

Distributors

Quantity

17,521

Amount

20,403,002

Avg Rate

1164.49

Rank

Brokers

#32#39#60#45

Net Flow Impact:

-3,510units

(Rs. -4,012,792)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 91,718 ]

Buy Side

Total: 46,703

Broker

QTY

AVG

NET

21,626

1170.96

+1,170

29.5%

8,231

1173.41

+8,167

11.2%

3,388

1176.53

+1,988

4.6%

3,075

1179.48

+289

4.2%

2,392

1147.88

+2,318

3.3%

1,720

1144.60

+1,473

2.4%

1,100

1171.20

+1,100

1.5%

1,010

1143.12

+1,010

1.4%

700

1179.86

+700

1.0%

675

1174.19

+675

0.9%

639

1145.06

+167

0.9%

598

1167.14

+588

0.8%

526

1169.87

+526

0.7%

523

1173.72

+503

0.7%

500

1175.20

+500

0.7%

Sell Side

Total: 45,015

Broker

QTY

AVG

NET

10,656

1166.33

-76

14.5%

7,816

1158.98

-7,776

10.7%

7,298

1157.95

-1,335

10.0%

4,994

1166.42

-1,608

6.8%

2,500

1180.31

-1,434

3.4%

2,490

1167.39

-2,410

3.4%

2,221

1176.28

-1,549

3.0%

1,640

1174.69

-1,310

2.2%

1,560

1174.77

-764

2.1%

1,050

1175.17

-1,050

1.4%

912

1177.48

-912

1.2%

802

1175.20

-802

1.1%

377

1166.35

-367

0.5%

350

1165.00

-350

0.5%

349

1183.75

-325

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	817.5	-15.66	-1.88%	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	4,899.3	+30.19	+0.62%	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	1,020	+2.04	+0.2%	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	987	-2.77	-0.28%	0.04	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	1,362	+10.41	+0.77%	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	862.5	-4.51	-0.52%	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	1,039	0	0%	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	718	+2	+0.28%	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	900.1	+5.1	+0.57%	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	641.3	-10.23	-1.57%	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	1,127.6	+17.54	+1.58%	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	1,440	-39.05	-2.64%	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	1,039	+9.98	+0.97%	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	870	-8.97	-1.02%	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	965	+24.91	+2.65%	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	1,289	+7.94	+0.62%	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	923.4	+10.41	+1.14%	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	775.1	+0.08	+0.01%	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	813.9	+0.89	+0.11%	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	709.8	+9.18	+1.31%	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	631.9	+2.02	+0.32%	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	920	0	0%	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	1,125.06	2.34	0.15%	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	921.7	2.01	0.24%	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	4,899.3	30.19	2.65%	0.04	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	631.9	-39.05	-2.64%	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%