Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,105.50

NPR -1.9-0.17%

09:14 AM NPT · May 14, 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

1,080.00

High

1,107.40

Low

1,080.00

Prev Close

1,107.40

Volume

3,006

Turnover

Rs 3,295,392.3

Txns

Valuation · Q2 FY25/26

EPS Ann.

31.29

EPS TTM

38.77

BVPS

158.08

P/E Ann.

35.33

P/E TTM

28.51

Graham #

333.60

Capital

Mkt Cap

8.1 Arab

Total

73.3 Lakh

Public

23.46 Lakh

Promoter

49.85 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

35.2

ADX

14.38

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1123.03

SMA 50

1163.78

Bands & Channels

BB Width %

6.3%

Volume & Flow

OBV

1,718,219

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

34,311

Shares Bought

Total Sell

34,311

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 32%

Distribution 68%

Accumulators

Quantity

5,167

Amount

5,675,776

Avg Rate

1098.47

Rank

#14

Brokers

#74#58#88#59

Distributors

Quantity

10,829

Amount

11,898,483

Avg Rate

1098.76

Rank

Brokers

#38#33#6#54

Net Flow Impact:

-5,662units

(Rs. -6,222,707)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 40,379 ]

Buy Side

Total: 14,389

Broker

QTY

AVG

NET

2,311

1096.96

+1,660

6.7%

1,855

1098.99

+422

5.4%

1,708

1105.02

+30

5.0%

1,254

1099.29

+1,080

3.6%

1,100

1102.95

+180

3.2%

802

1097.66

+185

2.3%

802

1100.00

+802

2.3%

800

1100.00

+776

2.3%

751

1094.64

+416

2.2%

600

1096.00

+217

1.8%

580

1106.87

+13

1.7%

538

1100.85

+537

1.6%

510

1090.00

+510

1.5%

398

1098.97

+134

1.2%

380

1117.75

+379

1.1%

Sell Side

Total: 25,990

Broker

QTY

AVG

NET

12,349

1098.98

-19

36.0%

7,115

1100.57

-3,451

20.7%

2,060

1095.26

-2,040

6.0%

1,180

1092.01

-1,180

3.4%

870

1104.33

-233

2.5%

474

1103.62

-444

1.4%

280

1106.88

-280

0.8%

280

1093.24

-280

0.8%

270

1099.90

-270

0.8%

253

1114.50

-53

0.7%

198

1100.34

-91

0.6%

181

1101.55

-44

0.5%

174

1114.62

-174

0.5%

160

1108.77

-150

0.5%

146

1099.28

-146

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	802,685,677	733,046,280	641,616,000	333,914,000	+9.50%
Reserves and Surplus	466,163,281	351,475,966	250,320,497	326,806,898	+32.63%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	6,718,285,186	6,312,182,122	6,139,345,440	2,704,437,455	+6.43%
Deposits	3,556,434,978	2,981,867,123	2,817,074,699	1,878,894,602	+19.27%
Income Tax Liabilities	0.00	0.00	0.00	15832270.10	-
Other Liabilities	199,141,642	186,205,037	121,117,680	142,744,411	+6.95%
Total Capital & Liabilities	11,742,710,764	10,564,776,528	9,969,474,316	5,402,629,636	+11.15%
Assets
Cash and Bank Balance	714,625,407	568,689,529	405,294,472	165,435,322	+25.66%
Money at Call & Short Notice	51,430,519	0	0	0	-
Investments	710,000	710,000	10,000	0	0.00%
Loan and Advances	10,809,556,595	9,862,821,512	9,479,205,199	5,039,793,186	+9.60%
Fixed Assets	34,662,911	34,146,159	21,694,362	10,627,684	+1.51%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	131,725,332	98,409,328	63,270,284	186,773,444	+33.85%
Total Assets	11,742,710,764	10,564,776,528	9,969,474,316	5,402,629,636	+11.15%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	952	-2	-0.21%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ANLB	6,005	-44.77	-0.74%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,120	+15.03	+1.36%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	911.5	-7.54	-0.82%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,472	0	0%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	847	+0.76	+0.09%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,323	-5.05	-0.38%	-	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	795.9	+2.93	+0.37%	-	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,050	-0.11	-0.01%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	771.9	+9.68	+1.27%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,111	-5.47	-0.49%	-	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,780	0	0%	-	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,327	-5.86	-0.44%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	-	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	935	0	0%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,315	+14.95	+1.15%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,090	-10.01	-0.91%	-	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	866	-18.76	-2.12%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	954	-5.95	-0.62%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	894	-16.02	-1.76%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	715.1	+0.07	+0.01%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,180	-12.04	-1.01%	-	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,286.61	-4.1	-0.24%	-	0.12	201.71	131.63%	30.86	33.76	382.09	7.15%	7.59%	9.52%	15.87%	12.72	29.62	44.411	29.349	44.462	28.425	1.82%	2.03%	16.2%	18.02%
MED	1,002	-1.05	-0.11%	-	0.13	182.2	111.28%	29.92	33.79	363.3	7.89%	7.44%	8.94%	15.18%	11.575	35.725	0.405	34.705	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,005	15.03	1.36%	-	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	715.1	-44.77	-2.12%	-	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%