Central Finance Co. Ltd.

FinanceHigh Cap

NPR 619.50

NPR -5.3-0.85%

09:14 AM NPT · Jun 26, 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

593.60

High

643.00

Low

593.60

Prev Close

624.80

Volume

62,869

Turnover

Rs 39,182,933.45

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.19

EPS TTM

11.50

BVPS

114.62

P/E Ann.

119.36

P/E TTM

53.87

Graham #

115.69

Capital

Mkt Cap

5.88 Arab

Total

94.89 Lakh

Public

43.65 Lakh

Promoter

51.24 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

25.84

ADX

40.07

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

630.86

SMA 50

556.11

Bands & Channels

BB Width %

13.07%

Volume & Flow

OBV

8,775,261

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

491,307

Shares Bought

Total Sell

491,307

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 65%

Distribution 35%

Accumulators

Quantity

240,592

Amount

150,344,544

Avg Rate

624.89

Rank

Brokers

#88#41#80#58

Distributors

Quantity

129,544

Amount

80,717,570

Avg Rate

623.09

Rank

Brokers

#70#28#96#43#45

Net Flow Impact:

+111,048units

(Rs. 69,626,974)

Net Flow by Timeframe

CFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 574,924 ]

Buy Side

Total: 333,541

Broker

QTY

AVG

NET

99,491

622.33

+25,324

20.3%

68,846

627.65

+68,846

14.0%

45,995

626.18

+17,408

9.4%

26,260

625.16

+23,585

5.3%

22,529

624.19

+6,129

4.6%

11,975

628.25

+6,285

2.4%

8,779

622.48

+2,337

1.8%

8,007

623.99

+2,617

1.6%

7,171

624.29

+4,626

1.5%

101

7,000

618.98

+7,000

1.4%

6,650

626.98

+2,335

1.4%

5,587

620.11

+530

1.1%

5,350

621.94

+288

1.1%

5,219

622.76

+2,519

1.1%

4,682

627.10

+3,352

0.9%

Sell Side

Total: 241,383

Broker

QTY

AVG

NET

65,912

623.62

-48,165

13.4%

19,730

619.20

-19,505

4.0%

17,839

622.83

-6,581

3.6%

17,408

621.33

-10,218

3.5%

16,592

623.27

-10,468

3.4%

14,500

622.10

-12,365

3.0%

12,810

627.22

-12,210

2.6%

11,735

619.06

-776

2.4%

11,275

622.18

-3,437

2.3%

10,230

625.80

-1,620

2.1%

10,190

621.40

-9,120

2.1%

9,855

621.18

-7,220

2.0%

9,475

627.62

-170

1.9%

7,205

625.50

-4,095

1.5%

6,627

626.73

-1,664

1.4%

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	513	-2.01	-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	630	-2.91	-0.46%	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	471.4	-3.61	-0.76%	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	545	-6.4	-1.16%	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	625	+4.1	+0.66%	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	401	0	0%	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	790	+12.21	+1.57%	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	615.5	-1.48	-0.24%	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	580	-5.98	-1.02%	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	366	+2	+0.55%	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	443.3	-6.71	-1.49%	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	481.9	-7.09	-1.45%	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	366.1	-5.39	-1.45%	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	540	-6.01	-1.1%	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	526.3	-2.09	-0.48%	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	526.5	-3.26	-0.61%	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	790	12.21	1.57%	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	366	-7.09	-1.49%	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%