First Micro Finance Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 727.10

NPR +4.4+0.61%

09:14 AM NPT · Sep 11, 2026

Est. January 8, 2010 · Block No. 483, Charter Tower, Gyaneshwor, Opposite to Sano Gaucharan, Kathmandu, Central Region, Nepal · CEO: Numanath Poudel

First Microfinance Laghu Bitta Bittiya Sanstha Ltd. began its operations on January 8, 2010 (2066 Poush 24 B.S.) as a national-level microfinance institution licensed by Nepal Rastra Bank under the Bank and Financial Institution Act, 2073. Headquartered in Kathmandu, the institution works to uplift economically and socially disadvantaged communities by providing microfinance services through a wide network of partner microfinance institutions (MFIs). First Microfinance is dedicated to improving the livelihoods of low-income families, with a special focus on supporting agriculture, micro-enterprise development, and income-generating activities. The organization promotes financial inclusion by offering accessible financial products and by empowering underserved populations with opportunities for economic growth. Committed to strengthening Nepal’s microfinance ecosystem, First Microfinance emphasizes sustainability, responsible lending practices, and the long-term development of rural and semi-urban communities. Through its strategic partnerships and inclusive approach, it continues to play a key role in expanding access to finance and improving the quality of life of its target beneficiaries across the country.

Trading

Open

720.10

High

733.80

Low

715.00

Prev Close

722.70

Volume

10,084

Turnover

Rs 7,335,882.5

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

14.18

EPS TTM

14.18

BVPS

137.26

P/E Ann.

51.28

P/E TTM

51.28

Graham #

209.27

Capital

Mkt Cap

9.78 Arab

Total

1.34 Crore

Public

65.9 Lakh

Promoter

68.59 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

28.88

ADX

36.14

Overall Score

16
Below Line

Technical Score

Moving Averages

SMA 20

748.65

SMA 50

762.87

Bands & Channels

BB Width %

15.66%

Volume & Flow

OBV

6,053,995

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

25,453

Shares Bought

Total Sell

25,453

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

54

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

3

Quantity

7,172

Amount

5,212,902

Avg Rate

726.84

Rank

#14

Brokers

#49#44#33

Distributors

3

Quantity

5,780

Amount

4,203,205

Avg Rate

727.20

Rank

#19

Brokers

#58#5#35

Net Flow Impact:

+1,392units
(Rs. 1,009,698)

Net Flow by Timeframe

FMDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 36,856 ]

Buy Side

Total: 16,865

Broker

QTY

AVG

NET

%

44

2,514

724.97

+2,304

9.9%

49

2,480

728.25

+2,335

9.7%

33

2,178

727.40

+2,078

8.6%

17

1,725

727.30

+1,032

6.8%

53

1,435

726.00

+1,435

5.6%

34

1,056

730.48

+846

4.2%

95

915

725.97

+705

3.6%

3

863

729.11

+777

3.4%

36

740

722.30

+740

2.9%

4

650

727.04

+50

2.5%

50

589

729.04

+89

2.3%

52

500

730.00

+500

2.0%

39

430

722.45

+288

1.7%

74

400

733.88

+400

1.6%

8

390

724.82

+360

1.5%

Sell Side

Total: 19,991

Broker

QTY

AVG

NET

%

45

3,150

726.41

-721

12.4%

58

2,689

727.22

-2,048

10.6%

25

1,915

725.95

-1,025

7.5%

5

1,700

727.31

-1,700

6.7%

57

1,611

725.38

-1,037

6.3%

35

1,391

727.03

-1,284

5.5%

42

1,192

726.40

-102

4.7%

22

1,099

729.00

-1,099

4.3%

21

1,024

730.84

-974

4.0%

62

930

728.33

-766

3.6%

48

880

726.91

-840

3.5%

96

800

729.87

-800

3.1%

91

619

733.29

-619

2.4%

6

550

731.37

-550

2.2%

56

441

728.38

-231

1.7%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital01,344,8711,233,8270+9.00%
Reserves and Surplus0420,298428,8980-2.01%
Debentures and Bonds00.000.000-
Borrowings3,760,4274,909,6816,968,5410-23.41%
Deposits00.000.000-
Income Tax Liabilities05,8498,1870-28.56%
Other Liabilities88,46084,15573,7920+5.12%
Total Capital & Liabilities06,764,8558,713,2450-22.36%
Assets
Cash and Bank Balance0565,3331,176,5050-51.95%
Money at Call & Short Notice00.000.000-
Investments01,3061,30600.00%
Loan and Advances06,118,9807,472,0140-18.11%
Fixed Assets05,6796,7520-15.89%
Non Banking Assets00.000.000-
Other Assets64,11173,55856,6690-12.84%
Total Assets5,694,7966,764,8558,713,2450-15.82%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

880+1.93+0.22%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.544.0732.784.171.681.68%16.4816.48%

ADLB

------------------------

AKBSL

------------------------

ALBSL

1,156+47.23+4.26%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.3133.075.482.232.23%19.6219.62%

ANLB

4,930+90.97+1.88%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.3373.7327.673.073.07%19.9419.94%

AVYAN

1,091+99.99+10.09%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.235.023.863.86%39.9239.92%

BPW

------------------------

CBBL

942.1+0.09+0.01%0.030.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.164.962.372.37%14.9614.96%

CYCL

1,513-6.99-0.46%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.254.074.024.02%34.8534.85%

DDBL

837.6-1.43-0.17%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5817.444.743.483.48%23.123.1%

DLBS

983+27.98+2.93%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.911.7465.335.450.820.82%9.829.82%

FOWAD

878.9+0.97+0.11%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.613.962.692.69%19.7419.74%

GBLBS

635+13+2.09%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

------------------------

GILB

1,090.5-12.46-1.13%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.2817.624.393.63.6%27.6127.61%

GLBSL

1,629+28.02+1.75%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.617.581.871.87%20.2820.28%

GMFBS

1,154-10.01-0.86%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.7240.415.771.681.68%17.0917.09%

HLBSL

85900%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1227.834.171.81.8%18.0618.06%

ILBS

870+13.03+1.52%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.2523.435.332.892.89%23.0323.03%

JALPA

------------------------

JBLB

1,255.8+5.75+0.46%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7220.335.183.343.34%24.4224.42%

JSLBB

95900%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.7290.376.040.750.75%6.426.42%

KLBS

------------------------

KLBSL

------------------------

KMCDB

807+7.52+0.94%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.28.4128.254.662.212.21%15.7315.73%

LLBS

880-4.51-0.51%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0836.244.681.591.59%13.2413.24%

MATRI

725+10.01+1.4%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0317.463.472.32.3%27.4627.46%

MERO

618+27.8+4.71%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-75.094.920.690.69%5.635.63%

MKLB

------------------------

MLBBL

939+0.09+0.01%00.12167.93237.58%7.8820.0720.07275.387.036.9211.919.89%6.6555.66-49.686.631.381.38%11.9711.97%
AVG1,165.1315.411.33%0.010.127211.6135.68%7.4939.8739.72426.398.027.3218.1411.26%6.00238.992.64636.4166.1352.322.31%19.2419.19%
MED940.553.840.34%00.13179.82114%7.1234.2734.27363.248.37.2317.869.84%4.9228.010.8628.044.992.262.26%18.8418.84%
MAX4,93099.9910.09%0.030.14362.38352.61%12.35110.66110.66943.799.549.3633.926.61%19.87103.2917.7290.3727.674.024.02%39.9239.92%
MIN618-12.46-1.13%00.11145.4225.3%4.498.478.471695.315.326.222.3%3.51120.0213.253.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum