Asha Laghubitta Bittiya Sanstha Ltd

MicrofinanceHigh Cap

NPR 1,174.40

NPR -19.6-1.64%

09:12 AM NPT · Sep 24, 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

1,165.30

High

1,198.00

Low

1,161.00

Prev Close

1,194.00

Volume

1,642

Turnover

Rs 1,933,979.4

Txns

Valuation · Q4 FY25/26

EPS Ann.

32.63

EPS TTM

32.63

BVPS

174.67

P/E Ann.

35.99

P/E TTM

35.99

Graham #

358.10

Capital

Mkt Cap

8.61 Arab

Total

73.3 Lakh

Public

23.46 Lakh

Promoter

49.85 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

58.47

ADX

57.08

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1146.34

SMA 50

1113.17

Bands & Channels

BB Width %

16.81%

Volume & Flow

OBV

1,940,357

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

56,241

Shares Bought

Total Sell

56,241

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 65%

Distribution 35%

Accumulators

Quantity

23,927

Amount

28,454,882

Avg Rate

1189.24

Rank

Brokers

#96#60#59

Distributors

Quantity

13,121

Amount

15,604,274

Avg Rate

1189.26

Rank

Brokers

#45#62#95#25

Net Flow Impact:

+10,806units

(Rs. 12,850,608)

Net Flow by Timeframe

ALBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 74,999 ]

Buy Side

Total: 49,019

Broker

QTY

AVG

NET

12,819

1213.00

+335

22.8%

11,142

1192.10

+11,142

19.8%

10,920

1185.83

+2,158

19.4%

3,054

1195.22

+265

5.4%

1,865

1192.12

+1,735

3.3%

1,804

1194.30

+476

3.2%

1,301

1206.97

+460

2.3%

1,159

1203.18

+1,159

2.1%

1,100

1194.39

+826

2.0%

900

1192.92

+827

1.6%

700

1185.10

+200

1.2%

669

1191.07

+539

1.2%

614

1201.38

+549

1.1%

500

1190.00

+500

0.9%

472

1189.66

+288

0.8%

Sell Side

Total: 25,980

Broker

QTY

AVG

NET

7,200

1192.44

-7,200

12.8%

2,720

1189.39

-2,450

4.8%

2,605

1188.49

-1,350

4.6%

2,598

1192.85

-80

4.6%

1,701

1179.78

-1,620

3.0%

1,500

1184.50

-1,438

2.7%

1,234

1196.00

-1,234

2.2%

1,172

1190.58

-1,042

2.1%

1,012

1184.67

-1,012

1.8%

1,009

1184.60

-518

1.8%

952

1178.17

-952

1.7%

656

1192.61

-646

1.2%

595

1185.32

-437

1.1%

526

1186.64

-433

0.9%

500

1190.15

-500

0.9%

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	877	-0.97	-0.11%	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	4,987	+48.89	+0.99%	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	1,060	+0.95	+0.09%	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	956.8	+7.78	+0.82%	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	1,630	+99.05	+6.47%	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	861	+4.97	+0.58%	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	1,205.1	-136.73	-10.19%	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	759.5	+9.52	+1.27%	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	+6.97	+0.78%	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	692	-0.48	-0.07%	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	1,139.5	+11.39	+1.01%	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	1,700	-9.92	-0.58%	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	1,124	+23.98	+2.18%	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	869	+3.81	+0.44%	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	950	-18	-1.86%	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	1,278.8	+3.7	+0.29%	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	969	-0.97	-0.1%	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	828	+17.98	+2.22%	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	860	+5.98	+0.7%	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	727.1	-21.79	-2.91%	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	607	+3.02	+0.5%	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	978.9	+9.88	+1.02%	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	1,179.99	3.14	0.16%	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	953.4	4.39	0.54%	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	4,987	99.05	6.47%	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	607	-136.73	-10.19%	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%