Central Finance Co. Ltd.

FinanceHigh Cap

NPR 650.00

NPR -8-1.22%

09:14 AM NPT · Aug 12, 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

625.10

High

697.00

Low

625.10

Prev Close

658.00

Volume

343,174

Turnover

Rs 224,849,937.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.19

EPS TTM

11.50

BVPS

114.62

P/E Ann.

125.24

P/E TTM

56.52

Graham #

115.69

Capital

Mkt Cap

6.17 Arab

Total

94.89 Lakh

Public

43.65 Lakh

Promoter

51.24 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

58.13

ADX

48.38

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

650.65

SMA 50

635.9

Bands & Channels

BB Width %

11.96%

Volume & Flow

OBV

9,152,233

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

626,521

Shares Bought

Total Sell

626,521

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

159,016

Amount

106,902,882

Avg Rate

672.28

Rank

Brokers

#71#81#74#88

Distributors

Quantity

177,841

Amount

119,531,082

Avg Rate

672.12

Rank

Brokers

#62#58#21#42#70

Net Flow Impact:

-18,825units

(Rs. -12,628,200)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 710,447 ]

Buy Side

Total: 359,598

Broker

QTY

AVG

NET

59,228

670.71

+13,308

9.4%

58,325

682.98

+15,817

9.3%

47,750

663.48

+30,947

7.6%

37,054

669.75

+189

5.9%

27,331

669.04

+18,345

4.4%

26,517

669.27

+10,095

4.2%

25,610

667.75

+24,710

4.1%

16,107

666.02

+4,994

2.6%

14,930

671.70

+13,330

2.4%

12,400

667.23

+2,894

2.0%

10,391

656.76

+5,079

1.7%

6,680

665.24

+6,510

1.1%

5,850

669.81

+1,170

0.9%

5,715

672.03

+470

0.9%

5,710

665.62

+3,026

0.9%

Sell Side

Total: 350,849

Broker

QTY

AVG

NET

82,020

671.65

-16,439

13.1%

81,293

665.61

-1,141

13.0%

40,954

679.88

-35,426

6.5%

19,685

664.74

-12,153

3.1%

19,014

674.01

-4,033

3.0%

17,767

669.65

-12,968

2.8%

17,415

666.99

-15,240

2.8%

16,174

674.09

-11,434

2.6%

15,978

664.61

-12,138

2.5%

12,181

684.67

-5,491

1.9%

8,558

671.04

-8,033

1.4%

5,650

657.96

-5,559

0.9%

5,551

665.24

-4,551

0.9%

4,561

666.95

-1,471

0.7%

4,048

672.08

-1,248

0.7%

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	493.9	+1.92	+0.39%	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	598	-3.97	-0.66%	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	449.1	-7.91	-1.73%	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	576	+2.98	+0.52%	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	595	-2.03	-0.34%	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	388	+1.08	+0.28%	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	783	+21.99	+2.89%	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	624	+0.37	+0.06%	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	565	+4.82	+0.86%	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	417.2	+1.21	+0.29%	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	448.9	+2.9	+0.65%	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	503.2	-2.38	-0.47%	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	512.52	1.14	0.1%	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	498.55	0.73	0.17%	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	783	21.99	2.89%	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	-7.91	-1.73%	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%