CYC Nepal Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,237.00

NPR -28-2.21%

09:14 AM NPT · Aug 12, 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

1,265.10

High

1,266.00

Low

1,221.10

Prev Close

1,265.00

Volume

2,655

Turnover

Rs 3,302,401.6

Txns

Valuation · Q3 FY25/26

EPS Ann.

26.74

EPS TTM

43.18

BVPS

269.54

P/E Ann.

46.26

P/E TTM

28.65

Graham #

402.70

Capital

Mkt Cap

3.3 Arab

Total

26.64 Lakh

Public

8.53 Lakh

Promoter

18.12 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

15.18

ADX

24.03

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1323.2

SMA 50

1380.15

Bands & Channels

BB Width %

12.87%

Volume & Flow

OBV

325,009

Flow Analysis

[ Live 2026-08-12 ]

Total Buy

5,884

Shares Bought

Total Sell

5,884

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

2,842

Amount

3,595,350

Avg Rate

1265.08

Rank

#18

Brokers

#48#45#65

Distributors

Quantity

3,035

Amount

3,804,997

Avg Rate

1253.71

Rank

#19

Brokers

#1#8#81

Net Flow Impact:

-193units

(Rs. -209,647)

Net Flow by Timeframe

CYCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 9,098 ]

Buy Side

Total: 4,583

Broker

QTY

AVG

NET

2,286

1263.16

+1,802

38.9%

356

1265.88

+223

6.0%

318

1253.01

+132

5.4%

200

1285.60

+190

3.4%

179

1239.00

+169

3.0%

173

1268.98

+71

2.9%

156

1257.49

+127

2.6%

150

1281.93

+116

2.5%

121

1239.46

+121

2.1%

116

1300.69

+74

2.0%

115

1277.78

1.9%

113

1285.00

+113

1.9%

100

1285.00

+90

1.7%

100

1252.00

+100

1.7%

100

1252.20

+87

1.7%

Sell Side

Total: 4,515

Broker

QTY

AVG

NET

1,480

1245.51

-1,336

25.1%

1,055

1255.26

-875

17.9%

500

1274.67

-500

8.5%

360

1284.78

-210

6.1%

241

1263.08

-138

4.1%

200

1271.35

-200

3.4%

122

1277.45

-39

2.1%

116

1282.87

-116

2.0%

100

1300.40

-100

1.7%

1253.03

-90

1.5%

1233.39

-72

1.2%

1275.37

-19

1.0%

1271.53

-25

0.8%

1258.89

-45

0.8%

1284.00

-30

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	943	+15.12	+1.63%	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	1,114	+0.11	+0.01%	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	5,305	-133.24	-2.45%	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	1,060	+17	+1.63%	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	933	+2.98	+0.32%	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	850	+10	+1.19%	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	1,147	-12.99	-1.12%	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	788.7	-21.97	-2.71%	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	935	+5.02	+0.54%	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	749.9	+17.72	+2.42%	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	1,078	+7.6	+0.71%	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	1,753	-16.99	-0.96%	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	1,152	+19.03	+1.68%	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	875	-9.91	-1.12%	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	875	-2.99	-0.34%	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	1,270	+14.81	+1.18%	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	967.1	-12.94	-1.32%	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	796.3	-3.68	-0.46%	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	+0.97	+0.11%	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	801.1	-6.87	-0.85%	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	663.1	+0.13	+0.02%	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	1,067	-32.55	-2.96%	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	1,182.19	-6.53	-0.13%	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	939	0.12	0.02%	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	5,305	19.03	2.42%	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	663.1	-133.24	-2.96%	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%