CYC Nepal Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,432.90

NPR -29.7-2.03%

09:10 AM NPT · Jun 26, 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

1,420.00

High

1,444.00

Low

1,396.20

Prev Close

1,462.60

Volume

2,241

Turnover

Rs 3,147,333.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

26.74

EPS TTM

43.18

BVPS

269.54

P/E Ann.

53.59

P/E TTM

33.18

Graham #

402.70

Capital

Mkt Cap

3.82 Arab

Total

26.64 Lakh

Public

8.53 Lakh

Promoter

18.12 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

49.14

ADX

43.53

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1447.93

SMA 50

1471.88

Bands & Channels

BB Width %

12.05%

Volume & Flow

OBV

335,048

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

14,774

Shares Bought

Total Sell

14,774

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 60%

Distribution 40%

Accumulators

Quantity

8,319

Amount

12,198,045

Avg Rate

1466.29

Rank

Brokers

#48#8#49

Distributors

Quantity

5,535

Amount

7,984,962

Avg Rate

1442.63

Rank

Brokers

#34#33#58

Net Flow Impact:

+2,784units

(Rs. 4,213,082)

Net Flow by Timeframe

CYCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 20,048 ]

Buy Side

Total: 11,984

Broker

QTY

AVG

NET

6,175

1473.07

+1,283

41.8%

1,189

1450.01

+1,189

8.1%

955

1442.70

+647

6.5%

590

1423.21

+527

4.0%

533

1425.64

+353

3.6%

387

1410.90

+82

2.6%

374

1421.65

+323

2.5%

302

1397.86

+95

2.0%

301

1400.00

+301

2.0%

300

1400.00

+300

2.0%

218

1413.72

+218

1.5%

210

1414.38

+190

1.4%

200

1436.00

+124

1.4%

140

1431.20

+140

0.9%

110

1423.18

+100

0.7%

Sell Side

Total: 8,064

Broker

QTY

AVG

NET

1,921

1404.24

-1,886

13.0%

1,841

1477.21

-1,829

12.5%

1,773

1448.32

-620

12.0%

471

1505.26

-370

3.2%

327

1446.31

-239

2.2%

294

1459.12

-284

2.0%

284

1462.50

-77

1.9%

260

1476.77

-250

1.8%

177

1454.18

-87

1.2%

154

1451.48

-104

1.0%

152

1453.42

-132

1.0%

140

1485.00

-120

0.9%

111

1459.86

-11

0.8%

1479.64

-83

0.6%

1454.42

-66

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	939	-16.04	-1.68%	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	1,070	-14.97	-1.38%	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	5,894	-5.9	-0.1%	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	+0.11	+0.01%	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	910.7	-0.27	-0.03%	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	830	-3.42	-0.41%	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	1,235	-42.15	-3.3%	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	770	-2.01	-0.26%	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	990	-5.98	-0.6%	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	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	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	1,800	-35.05	-1.91%	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	1,226.2	-16.78	-1.35%	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	0	0%	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	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	1,031	+13.03	+1.28%	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	821	-98.99	-10.76%	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	923	0	0%	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	850	-9.02	-1.05%	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	710.9	-1.07	-0.15%	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	1,167.9	-0.12	-0.01%	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	1,232.93	-11.4	-1.05%	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	964.5	-2.71	-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	5,894	13.03	1.28%	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	710.9	-98.99	-10.76%	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%