Central Finance Co. Ltd.

FinanceHigh Cap

NPR 567.90

NPR +0.9+0.16%

09:14 AM NPT · Sep 24, 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

565.00

High

567.90

Low

558.00

Prev Close

567.00

Volume

94,930

Turnover

Rs 53,376,581.8

Txns

169

Valuation · Q4 FY25/26

EPS Ann.

13.44

EPS TTM

13.44

BVPS

122.15

P/E Ann.

42.25

P/E TTM

42.25

Graham #

192.19

Capital

Mkt Cap

5.39 Arab

Total

94.89 Lakh

Public

43.65 Lakh

Promoter

51.24 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

46.48

ADX

41.53

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

582.23

SMA 50

615.81

Bands & Channels

BB Width %

11.19%

Volume & Flow

OBV

7,696,563

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

313,001

Shares Bought

Total Sell

313,001

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 65%

Distribution 35%

Accumulators

Quantity

194,552

Amount

110,461,476

Avg Rate

567.77

Rank

Brokers

#88#60#41

Distributors

Quantity

102,956

Amount

58,232,063

Avg Rate

565.60

Rank

Brokers

#35#70#92#71

Net Flow Impact:

+91,596units

(Rs. 52,229,413)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 421,220 ]

Buy Side

Total: 257,895

Broker

QTY

AVG

NET

96,778

568.41

+11,320

30.9%

50,276

564.14

+49,496

16.1%

47,498

570.32

+43,838

15.2%

15,122

565.86

+6,184

4.8%

10,500

570.71

+6,205

3.4%

5,897

567.31

+1,160

1.9%

5,890

570.85

+3,670

1.9%

5,383

568.87

+500

1.7%

101

4,790

567.24

+4,790

1.5%

3,860

567.37

+1,140

1.2%

2,790

564.81

+2,035

0.9%

2,685

568.21

+2,085

0.9%

2,500

568.23

+950

0.8%

2,148

564.41

+1,456

0.7%

1,778

562.57

+283

0.6%

Sell Side

Total: 163,325

Broker

QTY

AVG

NET

36,500

562.15

-34,980

11.7%

25,050

568.07

-22,131

8.0%

22,600

566.11

-21,504

7.2%

20,497

566.80

-13,297

6.5%

18,806

568.39

-14,306

6.0%

7,390

569.77

-5,581

2.4%

6,630

573.59

-4,580

2.1%

5,080

570.29

-2,895

1.6%

3,782

571.86

-610

1.2%

3,125

563.17

-525

1.0%

3,105

568.83

-1,537

1.0%

3,092

573.09

-1,174

1.0%

2,900

569.71

-1,106

0.9%

2,668

569.08

-348

0.8%

2,100

568.58

-1,929

0.7%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	600,130	607,076	710,411	0	-1.14%
Money at Call & Short Notice	1,203,130	356,043	335,094	0	+237.92%
Due from NRB	1,203,130	356,043	335,094	0	+237.92%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	4,752,576	4,643,313	4,844,720	0	+2.35%
Loans & Advances to B/FIs	105,880	164,381	215,634	0	-35.59%
Loans & Advances to Customers	4,646,696	4,478,932	4,629,086	0	+3.75%
Investments
Investment Securities	3,035,125	2,898,115	2,828,307	0	+4.73%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	87,727	83,233	249	0	+5.40%
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	25,878	33,299	64,525	0	-22.29%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	1,628	2,336	1,950	0	-30.31%
Property & Equipment	177,825	177,890	190,882	0	-0.04%
Other Assets	82,186	74,117	93,526	0	+10.89%
Total Assets	9,938,699	8,839,786	9,003,187	0	+12.43%
Liabilities
Borrowings & Funding
Borrowings	137,853	72,367	194,116	0	+90.49%
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	137,853	72,367	194,116	0	+90.49%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,467,144	7,524,680	7,507,392	0	+12.52%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	36,496	46,869	17,367	0	-22.13%
Other Liabilities	138,197	114,884	91,885	0	+20.29%
Other Liabilities & Provisions	174,694	161,753	109,253	0	+8.00%
Total Liabilities	8,779,690	7,758,801	7,810,761	0	+13.16%
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	426,488	434,190	359,777	0	-1.77%
Reserves & Surpluses	210,133	132,110	243,551	0	+59.06%
Retained Earnings	-216,798	-302,522	-116,668	0	+28.34%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,159,008	1,080,986	1,192,427	0	+7.22%
Total Liabilities & Equity	9,938,699	8,839,786	9,003,187	0	+12.43%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)%
BFC	447	+3.02	+0.68%	0	0.06	113.08	70.53%	6.46	7.84	7.84	141.23	4.1	2.83	15	10.7%	4.55	65.63	0.02	59.18	9.85	0.95	0.95%	6.58	6.58%
GFCL	577	+2.01	+0.35%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	266.51	4.21	3.45	13.78	6.27%	2.8	39.45	0.01	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	421	-4.98	-1.17%	0	0.06	157.55	66.24%	5.29	4.56	4.56	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	1.44	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	496.4	+0.4	+0.08%	0	0.06	167.43	72.62%	6.68	25.28	25.28	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	0.07	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	595	+3.08	+0.52%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	308.41	4.09	3.35	14.65	1.55%	3.11	26.38	-	27.14	3.87	1.06	1.06%	11.93	11.93%
JFL	285	+5.89	+2.11%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	2.06	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	764.8	-4.23	-0.55%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	348.33	4.39	4.44	17.93	3.43%	3.99	27.72	1.38	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	588	-2.01	-0.34%	0	0.06	121.76	64.49%	5.15	8.91	8.91	156.24	4.54	3.59	20.58	3.3%	4.88	66.67	0.5	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	495	+8.99	+1.85%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	-	4.55	3.42	-20.62	13.83%	4.51	-62.01	-	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PFL	351	-4.41	-1.24%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	145.12	4.16	2.92	46.28	20.84%	5.2	27.23	1.02	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	391	+7.7	+2.01%	0	0.06	83.84	69.6%	11.52	5.92	5.92	105.68	4.55	3.5	9.25	3.01%	5.16	73.14	-	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	424	+1.1	+0.26%	0	0.07	116.78	85.02%	8.56	4.51	4.51	108.86	4.15	3.11	6.44	6.55%	3.85	99.78	5.15	94.68	6.43	0.44	0.44%	3.97	3.97%
SFCL	370	0	0%	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	480.3	-0.72	-0.15%	0	0.07	139.82	71.39%	6.47	4.62	4.62	120.56	3.68	3.69	6.54	3.74%	3.64	110.17	-	104.85	7.21	0.45	0.45%	3.27	3.27%

AVG	477.54	1.13	0.31%	0	0.065	124.77	73.85%	-44.62	9.48	10.06	186.93	4.32	3.92	12.28	11.53%	4.351	299.02	4.399	59.444	9.135	0.78	0.92%	16.38	17.41%
MED	463.65	0.75	0.17%	0	0.065	122.47	70.96%	6.65	6.88	8.09	143.18	4.37	3.53	11.52	6.41%	3.99	66.15	1.2	53.31	7.32	0.75	0.93%	7.22	7.29%
MAX	764.8	8.99	2.11%	0.01	0.08	211.01	93.39%	11.52	27.85	27.85	348.33	4.6	7.93	46.28	61.55%	8.78	3,308.33	32.34	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	285	-4.98	-1.24%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	1.55%	2.8	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%