Central Finance Co. Ltd.

FinanceHigh Cap

NPR 660.00

NPR -15-2.22%

09:14 AM NPT · Aug 7, 2026

Est. 2017-06-15 (Listed on NEPSE; earlier incorporated under Nepal’s finance company licensing framework) · Kupondole, Lalitpur, Nepal · CEO: Rajoj Shrestha

Central Finance Limited completed 27 years of its glorious and successful years of operation as a national-level financial institution licensed by Nepal Rastra Bank on April 14, 1997. It is one of the prominent financial institutions among NRB-licensed C-category BFIs. Since its inception, it has been actively catering to the financial service needs of small, medium, and high-net-worth individuals, business enterprises, industries, and trading houses. It has been mobilizing financial resources through various accounts, depositing products and services, and facilitating financing needs from individuals to corporate entities.On March 22, 2017, Bhaktapur Finance Limited was merged with Central Finance Limited. It has Nineteen chapters, one extension counter, six ATM outlets, and technology-based omnichannel delivery channels such as Central Smart Mobile Banking, QR Tellers and Merchant Payments, SCT/Union Pay card services, and many more.

www.centralfinance.com.np/

Trading

Open

642.00

High

675.00

Low

642.00

Prev Close

675.00

Volume

45,130

Turnover

Rs 29,942,884.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.19

EPS TTM

11.50

BVPS

114.62

P/E Ann.

127.17

P/E TTM

57.39

Graham #

115.69

Capital

Mkt Cap

6.26 Arab

Total

94.89 Lakh

Public

43.65 Lakh

Promoter

51.24 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

61.01

ADX

48.09

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

645.15

SMA 50

633.61

Bands & Channels

BB Width %

15.04%

Volume & Flow

OBV

9,159,668

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

827,408

Shares Bought

Total Sell

827,408

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

219,550

Amount

147,406,688

Avg Rate

671.40

Rank

Brokers

#81#88#70#45

Distributors

Quantity

330,591

Amount

221,949,909

Avg Rate

671.37

Rank

Brokers

#63#62#34#64#58#42

Net Flow Impact:

-111,041units

(Rs. -74,543,221)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 941,469 ]

Buy Side

Total: 458,138

Broker

QTY

AVG

NET

87,789

673.63

+28,527

10.6%

83,091

677.45

+40,083

10.0%

48,330

665.81

+14,237

5.8%

46,697

668.10

+30,799

5.6%

45,232

667.59

+32,497

5.5%

44,530

667.46

+44,130

5.4%

27,441

670.36

+24,411

3.3%

13,945

668.66

+1,406

1.7%

13,665

673.75

+1,965

1.6%

12,420

673.31

+11,528

1.5%

8,864

674.83

+1,114

1.1%

7,673

668.44

+5,673

0.9%

6,706

667.19

+5,970

0.8%

6,040

673.41

+3,880

0.7%

5,715

672.03

+2,545

0.7%

Sell Side

Total: 483,331

Broker

QTY

AVG

NET

133,126

667.43

-45,851

16.1%

87,383

673.42

-17,827

10.6%

57,282

668.56

-6,647

6.9%

39,324

681.08

-25,625

4.8%

28,949

671.65

-23,344

3.5%

21,879

673.08

-16,210

2.6%

21,601

676.29

-1,471

2.6%

19,930

667.30

-17,830

2.4%

13,661

664.06

-12,161

1.6%

12,181

684.67

-9,481

1.5%

10,600

667.89

-332

1.3%

10,047

671.29

-6,522

1.2%

9,751

670.03

-7,451

1.2%

8,959

671.70

-8,959

1.1%

8,658

670.79

-4,974

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	480,119	531,337	1,257,940	0	-9.64%
Money at Call & Short Notice	3,070,918	353,938	328,716	0	+767.64%
Due from NRB	3,070,918	353,938	328,716	0	+767.64%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	4,543,090	4,492,704	4,688,519	0	+1.12%
Loans & Advances to B/FIs	61,670	171,621	157,229	0	-64.07%
Loans & Advances to Customers	4,481,420	4,321,084	4,531,289	0	+3.71%
Investments
Investment Securities	1,481,198	2,790,003	2,047,583	0	-46.91%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	87,727	61,272	17,086	0	+43.18%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	64,503	64,080	59,494	0	+0.66%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	1,805	1,553	2,549	0	+16.23%
Property & Equipment	164,761	181,384	193,950	0	-9.16%
Other Assets	119,224	114,852	97,622	0	+3.81%
Total Assets	9,947,036	8,525,491	8,631,417	0	+16.67%
Liabilities
Borrowings & Funding
Borrowings	230,521	140,412	153,859	0	+64.17%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	230,521	140,412	153,859	0	+64.17%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,479,635	7,233,425	7,187,492	0	+17.23%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	44,734	44,347	10,868	0	+0.87%
Other Liabilities	104,528	104,375	99,541	0	+0.15%
Other Liabilities & Provisions	149,262	148,722	110,409	0	+0.36%
Total Liabilities	8,859,418	7,522,559	7,451,760	0	+17.77%
Equity
Paid Up Capital	948,875	948,875	948,875	0	0.00%
Share Premium	442.55	442.55	442.55	0	0.00%
Reserves & Surpluses
Reserves	426,409	416,748	384,692	0	+2.32%
Reserves & Surpluses	138,743	54,056	230,781	0	+156.67%
Retained Earnings	-288,108	-363,135	-154,353	0	+20.66%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,087,619	1,002,931	1,179,657	0	+8.44%
Total Liabilities & Equity	9,947,036	8,525,491	8,631,417	0	+16.67%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)%
BFC	494	-7.98	-1.59%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	0.33	33.64	15.16	1.11	1.93%	7.87	13.66%
GFCL	605	+1.99	+0.33%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	211.98	4.06	4.93	11.79	9.86%	4.14	45.04	0.08	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	456.3	+1	+0.22%	0	0.07	168.38	66.08%	4.95	6	4.05	123.87	4.59	4.49	9.33	6.37%	3.77	79.33	2.05	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	569.9	-5.99	-1.04%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	0.09	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	603	-2	-0.33%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	291.48	4.48	3.32	7.75	2.68%	4.9	55.85	-	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	384.5	-6.49	-1.66%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	775	-9.97	-1.27%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	1.33	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	613	+2.02	+0.33%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	-	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	567.4	-0.62	-0.11%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	364	0	0%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	29.48	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	420	-3.09	-0.73%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	452.6	-4.39	-0.96%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	243.57	4.28	3.73	6.34	10.34%	5.24	101	0.9	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	370	-4.99	-1.33%	0	0.07	60.3	76.56%	6.62	0.12	8.35	106.44	4.58	3.56	0.38	8.09%	8.78	3,308.33	32.34	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	505.5	-4.49	-0.88%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	-	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	512.87	-3.21	-0.64%	0.01	0.068	120.99	73.19%	-0.14	5.52	7.75	178.79	4.37	3.96	4.54	13.11%	6.068	304.04	8.325	-13.104	15.296	0.35	0.66%	1.74	0.79%
MED	499.75	-3.74	-0.8%	0	0.07	120.86	70.74%	6.73	5.26	7.88	162.13	4.51	3.67	7.05	7.77%	5.51	48.98	1.115	35.18	13.16	0.52	0.57%	4	4.78%
MAX	775	2.02	0.33%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.78	3,308.33	32.34	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	364	-9.97	-1.66%	0	0.05	-6.46	59.04%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	2.68%	3.77	-116.97	0.08	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%