CYC Nepal Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,280.00

NPR -10-0.78%

09:13 AM NPT · Aug 7, 2026

Est. July 1, 2018 · Baglung Municipality-3, Baglung, Gandaki, Nepal · CEO: Not Explicitly Mentioned

CYC Nepal Laghubitta Bittiya Sanstha Limited is headquartered in Baglung Municipality-3, Baglung, Gandaki Province, Nepal. The head office serves as the central administrative and operational hub of the institution, overseeing branch coordination, regulatory compliance, customer service operations, microfinance activities, and strategic planning. Located in the western hilly region of Nepal, the headquarters plays a vital role in managing the organization’s nationwide microfinance services, ensuring efficient service delivery, financial inclusion initiatives, and outreach to rural and semi-urban communities across the country.

cycnlbsl.org.np/facebook

Trading

Open

1,282.00

High

1,308.00

Low

1,280.00

Prev Close

1,290.00

Volume

1,208

Turnover

Rs 1,552,896.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

26.74

EPS TTM

43.18

BVPS

269.54

P/E Ann.

47.87

P/E TTM

29.64

Graham #

402.70

Capital

Mkt Cap

3.41 Arab

Total

26.64 Lakh

Public

8.53 Lakh

Promoter

18.12 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

28.72

ADX

24.41

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1333.42

SMA 50

1392.31

Bands & Channels

BB Width %

9.76%

Volume & Flow

OBV

329,222

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

6,124

Shares Bought

Total Sell

6,124

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 33%

Distribution 67%

Accumulators

Quantity

1,327

Amount

1,728,351

Avg Rate

1302.45

Rank

#30

Brokers

#56#38#26#34

Distributors

Quantity

2,660

Amount

3,445,351

Avg Rate

1295.24

Rank

#20

Brokers

#33#47#58

Net Flow Impact:

-1,333units

(Rs. -1,717,000)

Net Flow by Timeframe

CYCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,793 ]

Buy Side

Total: 3,558

Broker

QTY

AVG

NET

417

1312.62

+414

6.8%

388

1294.09

+295

6.3%

325

1296.95

+215

5.3%

284

1293.32

+95

4.6%

270

1302.30

+255

4.4%

260

1294.29

+162

4.3%

252

1298.65

+232

4.1%

226

1303.75

+173

3.7%

215

1284.67

+215

3.5%

210

1288.97

+176

3.4%

210

1286.34

+210

3.4%

145

1287.37

+93

2.4%

123

1290.79

+123

2.0%

120

1288.18

+120

2.0%

113

1285.00

+96

1.9%

Sell Side

Total: 5,235

Broker

QTY

AVG

NET

1,537

1301.42

-1,537

25.1%

1,011

1285.56

-131

16.5%

623

1288.20

-353

10.2%

500

1285.06

-470

8.2%

310

1286.60

-239

5.1%

267

1311.52

-250

4.4%

207

1308.68

-83

3.4%

176

1292.26

-36

2.9%

153

1291.29

-23

2.5%

137

1305.23

-127

2.2%

102

1321.47

-52

1.7%

1309.08

-62

1.2%

1315.18

-56

0.9%

1307.18

-55

0.9%

1285.10

-20

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	266,424	266,424	266,424	0	0.00%
Reserves and Surplus	451,691	448,953	310,126	0	+0.61%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	2,870,054	2,770,476	2,720,907	0	+3.59%
Deposits	2,859,412	2,539,416	2,265,841	0	+12.60%
Income Tax Liabilities	73,220	23,941	12,003	0	+205.84%
Other Liabilities	860,833	760,443	614,258	0	+13.20%
Total Capital & Liabilities	7,381,635	6,809,653	6,189,560	0	+8.40%
Assets
Cash and Bank Balance	386,151	356,511	142,003	0	+8.31%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	0.00	0.00	0.00	0	-
Loan and Advances	6,345,226	5,942,877	5,742,248	0	+6.77%
Fixed Assets	37,443	35,704	42,052	0	+4.87%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	612,815	474,561	263,257	0	+29.13%
Total Assets	7,381,635	6,809,653	6,189,560	0	+8.40%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	917	-3.04	-0.33%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,091	+5.97	+0.55%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,996	+471.77	+8.54%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,053	+11.04	+1.06%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	929	-0.93	-0.1%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	26.32	8.96	2.25	2.36%	14.47	15.16%
DDBL	829	-6.01	-0.72%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,165	-17.14	-1.45%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	781	+22.97	+3.03%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	930	+2.87	+0.31%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	738	+1.03	+0.14%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,070	-19.95	-1.83%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,795.9	-5.04	-0.28%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,154	-29.1	-2.46%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	870	-10.03	-1.14%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	876.9	-2.11	-0.24%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,260.8	+0.76	+0.06%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	-10	-1.01%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	777	+16.8	+2.21%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	885	-9.84	-1.1%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	811	-1.22	-0.15%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	661.2	-4.8	-0.72%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,119	-2.02	-0.18%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,213.17	18.73	0.19%	0.01	0.123	199.27	136.85%	7.39	31.79	34.58	382.76	7.63	7.56	16.8	11.3%	8.549	54.66	46.345	13.138	2.04	2.26%	16.85	18.53%
MED	929.5	-2.06	-0.21%	0	0.13	174.46	111.88%	7.08	32.55	34.99	378.89	7.92	7.79	16.88	9.96%	8.12	41.76	28.705	10.16	2.17	2.41%	16.93	21.26%
MAX	5,996	471.77	8.54%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	661.2	-29.1	-2.46%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	18.6	6.63	0.36	0.4%	2.76	3.33%