Central Finance Co. Ltd.

FinanceMid Cap

NPR 492.00

NPR -6-1.20%

09:08 AM NPT · May 14, 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

522.90

High

522.90

Low

485.00

Prev Close

498.00

Volume

11,473

Turnover

Rs 5,644,636.8

Txns

Valuation · Q2 FY25/26

EPS Ann.

8.26

EPS TTM

13.16

BVPS

113.65

P/E Ann.

59.56

P/E TTM

37.39

Graham #

145.33

Capital

Mkt Cap

4.67 Arab

Total

94.89 Lakh

Public

43.65 Lakh

Promoter

51.24 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.57

ADX

23.01

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

502.94

SMA 50

526.54

Bands & Channels

BB Width %

8.07%

Volume & Flow

OBV

6,185,263

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

55,809

Shares Bought

Total Sell

55,809

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

23,434

Amount

11,726,079

Avg Rate

500.39

Rank

Brokers

#21#65#58#42#70

Distributors

Quantity

26,472

Amount

13,213,936

Avg Rate

499.17

Rank

Brokers

#50#71

Net Flow Impact:

-3,038units

(Rs. -1,487,857)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 87,586 ]

Buy Side

Total: 38,705

Broker

QTY

AVG

NET

8,290

506.34

+8,152

14.8%

7,120

496.66

+7,120

12.8%

3,378

497.92

+3,154

6.0%

2,860

496.69

+1,724

5.1%

2,606

495.42

+2,466

4.7%

2,180

500.17

+1,474

3.9%

2,040

499.65

+2,040

3.7%

1,716

493.22

+1,716

3.1%

1,652

491.74

+1,302

3.0%

1,392

506.09

+1,392

2.5%

1,250

502.27

+1,200

2.2%

1,202

492.54

+429

2.1%

1,044

494.79

+1,014

1.9%

1,000

491.15

+1,000

1.8%

975

497.22

+425

1.8%

Sell Side

Total: 48,881

Broker

QTY

AVG

NET

21,208

500.63

-21,208

38.0%

5,264

493.27

-5,264

9.4%

4,710

493.24

-3,283

8.4%

4,151

494.83

-1,881

7.4%

2,986

500.23

-2,161

5.3%

2,801

489.63

-2,686

5.0%

2,670

500.47

-2,270

4.8%

1,550

495.61

-10

2.8%

995

497.05

-795

1.8%

590

496.35

-570

1.1%

528

513.48

-418

0.9%

500

500.00

-500

0.9%

400

491.53

-400

0.7%

328

503.11

-38

0.6%

200

500.50

-200

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	511,482,494	533,671,208	907,241,900	646,648,106	-4.16%
Money at Call & Short Notice	2,630,927,392	345,411,607	331,436,762	284,297,171	+661.68%
Due from NRB	2,630,927,392	345,411,607	331,436,762	284,297,171	+661.68%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	4,585,454,342	4,674,066,499	4,838,293,431	5,086,777,435	-1.90%
Loans & Advances to B/FIs	48,388,857	149,998,467	199,507,836	177,108,535	-67.74%
Loans & Advances to Customers	4,537,065,485	4,524,068,032	4,638,785,595	4,909,668,900	+0.29%
Investments
Investment Securities	1,467,538,499	3,246,235,830	1,862,591,592	1,685,195,726	-54.79%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	83,232,618	39,778,568	16,328,479	681,270	+109.24%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	63,526,730	75,249,694	56,269,211	36,646,554	-15.58%
Deferred Tax Assets	0.00	0.00	0.00	0.00	-
Goodwill and Intangible Assets	2,336,345	1,949,646	2,039,709	1,777,867	+19.83%
Property & Equipment	167,613,492	187,482,019	252,096,964	207,881,870	-10.60%
Other Assets	49,619,076	33,926,603	51,518,106	51,240,617	+46.25%
Total Assets	9,561,730,988	9,137,771,674	8,317,816,154	8,001,146,617	+4.64%
Liabilities
Borrowings & Funding
Borrowings	424,775,590	170,844,559	153,858,996	521,316,747	+148.63%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	424,775,590	170,844,559	153,858,996	521,316,747	+148.63%
Due to NRB	0.00	0.00	0.00	0.00	-
Deposits	7,912,667,297	7,554,549,054	6,812,238,720	6,184,155,222	+4.74%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	39,824,981	47,702,790	17,607,732	2,656,621	-16.51%
Other Liabilities	106,045,065	97,976,091	151,242,268	84,296,402	+8.24%
Other Liabilities & Provisions	145,870,046	145,678,881	168,850,000	86,953,023	+0.13%
Total Liabilities	8,483,312,933	7,871,072,494	7,134,947,716	6,792,424,992	+7.78%
Equity
Paid Up Capital	948,875,459	948,875,459	948,875,459	948,875,459	0.00%
Share Premium	442,546	442,546	442,546	442,546	0.00%
Reserves & Surpluses
Reserves	405,147,560	472,618,838	347,588,936	248,970,902	-14.28%
Reserves & Surpluses	129,542,596	317,823,721	233,992,980	259,846,167	-59.24%
Retained Earnings	-276,047,510	-155,237,663	-114,038,502	10,432,719	-77.82%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	1,078,418,055	1,266,699,180	1,182,868,439	1,208,721,626	-14.86%
Total Liabilities & Equity	9,561,730,988	9,137,771,674	8,317,816,155	8,001,146,617	+4.64%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)%
BFC	455	-3.3	-0.72%	-	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
GFCL	615	-1.97	-0.32%	-	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GMFIL	455	-1.41	-0.31%	-	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	519.5	-3.5	-0.67%	-	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	621.9	+1.67	+0.27%	-	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	407	0	0%	-	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	793	-10.04	-1.25%	-	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	605	-4.02	-0.66%	-	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	564	-1.98	-0.35%	-	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PFL	367	-1.81	-0.49%	-	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	435	-5.02	-1.14%	-	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	430	-3.99	-0.92%	-	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	363.2	-7.79	-2.1%	-	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	525	-7.99	-1.5%	-	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	511.11	-3.65	-0.73%	-	0.069	122.93	73.71%	6.5	9.77	204.9	4.38%	3.71%	13.18%	6.84%	8.582	276.752	2.211	287.115	-58.509	41.694	0.43%	0.89%	6.15%	6.09%
MED	487.25	-3.4	-0.67%	-	0.07	119.91	72.58%	2.95	6.69	174.18	4.57%	3.49%	8.24%	4.33%	8.67	118.56	0.025	118.33	30.44	28.14	0.29%	0.67%	2.69%	4.56%
MAX	793	1.67	0.27%	-	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	363.2	-10.04	-2.1%	-	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	2.48%	3.51%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-4.91%	-18%	-120.61%