Central Finance Co. Ltd.

FinanceHigh Cap

NPR 598.00

NPR -7-1.16%

09:14 AM NPT · Nov 6, 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

595.00

High

635.20

Low

580.00

Prev Close

605.00

Volume

117,127

Turnover

Rs 70,120,709.4

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.44

EPS TTM

13.44

BVPS

122.15

P/E Ann.

44.49

P/E TTM

44.49

Graham #

192.19

Capital

Mkt Cap

5.35 Arab

Total

89.5 Lakh

Public

41.17 Lakh

Promoter

48.33 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

56.83

ADX

14.3

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

578.45

SMA 50

580.99

Bands & Channels

BB Width %

12.84%

Volume & Flow

OBV

8,470,861

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

750,743

Shares Bought

Total Sell

750,743

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 68%

Distribution 32%

Accumulators

Quantity

356,070

Amount

215,323,989

Avg Rate

604.72

Rank

Brokers

#39#63#41#35

Distributors

Quantity

168,440

Amount

102,133,454

Avg Rate

606.35

Rank

Brokers

#17#43#74#28#45

Net Flow Impact:

+187,630units

(Rs. 113,190,535)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 895,557 ]

Buy Side

Total: 474,689

Broker

QTY

AVG

NET

131,558

605.83

+48,626

17.5%

125,614

605.34

+53,735

16.7%

60,275

603.70

+53,467

8.0%

38,623

600.56

+12,931

5.1%

37,885

595.23

+6,723

5.0%

17,790

592.83

+9,590

2.4%

15,605

598.44

+10,185

2.1%

12,318

597.66

+878

1.6%

7,540

595.15

+5,670

1.0%

6,448

598.67

+1,098

0.9%

4,759

596.22

+2,249

0.6%

4,300

598.83

+3,607

0.6%

4,270

607.29

+290

0.6%

101

4,200

602.01

+3,900

0.6%

3,504

600.17

+1,944

0.5%

Sell Side

Total: 420,868

Broker

QTY

AVG

NET

87,716

599.67

-926

11.7%

68,481

606.25

-68,041

9.1%

50,675

608.42

-49,925

6.8%

49,890

591.96

-6,618

6.7%

25,884

605.39

-201

3.5%

21,495

613.43

-7,678

2.9%

20,864

603.05

-11,773

2.8%

14,705

606.44

-9,554

2.0%

14,380

604.10

-910

1.9%

13,715

604.14

-8,755

1.8%

13,141

604.99

-4,752

1.8%

12,052

617.70

-2,655

1.6%

11,940

610.17

-4,463

1.6%

8,910

608.23

-5,860

1.2%

7,020

604.19

-4,342

0.9%

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	455	+0.09	+0.02%	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	560.1	+2.29	+0.41%	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	418	-0.8	-0.19%	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	498	-3.01	-0.6%	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	610	+4	+0.66%	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	274.2	-3.81	-1.37%	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	680	+2.98	+0.44%	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	570	+0.4	+0.07%	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	479	+1	+0.21%	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	324.5	-0.49	-0.15%	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	375	+2.2	+0.59%	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	412	+0.08	+0.02%	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	467	+2	+0.43%	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	463.77	0.5	0.04%	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	461	0.24	0.05%	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	680	4	0.66%	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	274.2	-3.81	-1.37%	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%