First Micro Finance Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 761.00

NPR -9-1.17%

09:14 AM NPT · Jun 29, 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

760.00

High

772.00

Low

757.20

Prev Close

770.00

Volume

4,951

Turnover

Rs 3,762,794.7

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

11.27

EPS TTM

13.00

BVPS

131.53

P/E Ann.

67.52

P/E TTM

58.54

Graham #

182.63

Capital

Mkt Cap

10.23 Arab

Total

1.34 Crore

Public

65.9 Lakh

Promoter

68.59 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

37.68

ADX

19.97

Overall Score

36
Below Line

Technical Score

Moving Averages

SMA 20

775.91

SMA 50

790.97

Bands & Channels

BB Width %

4.03%

Volume & Flow

OBV

6,199,610

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

53,059

Shares Bought

Total Sell

53,059

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

64

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

3

Quantity

22,895

Amount

17,531,634

Avg Rate

765.74

Rank

#3

Brokers

#39#40#17

Distributors

4

Quantity

17,171

Amount

13,181,828

Avg Rate

767.68

Rank

#7

Brokers

#96#37#60#71

Net Flow Impact:

+5,724units
(Rs. 4,349,806)

Net Flow by Timeframe

FMDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 75,633 ]

Buy Side

Total: 34,136

Broker

QTY

AVG

NET

%

39

16,395

766.17

+15,895

30.9%

40

3,400

763.53

+2,980

6.4%

17

3,100

765.87

+2,229

5.8%

28

2,000

775.00

+1,874

3.8%

62

1,635

765.02

+1,545

3.1%

6

1,015

767.93

+856

1.9%

54

1,000

762.17

+970

1.9%

74

873

764.98

+853

1.6%

32

871

760.69

+795

1.6%

14

762

760.81

+387

1.4%

41

676

763.58

+506

1.3%

81

629

771.15

+629

1.2%

57

620

761.53

+470

1.2%

65

600

770.00

+500

1.1%

16

560

766.33

+242

1.1%

Sell Side

Total: 41,497

Broker

QTY

AVG

NET

%

96

7,530

767.20

-7,530

14.2%

58

4,726

764.07

-26

8.9%

49

4,137

765.32

-1,713

7.8%

37

4,090

764.02

-4,090

7.7%

60

3,051

770.00

-2,831

5.8%

45

2,746

764.84

-996

5.2%

51

2,584

769.66

-1,680

4.9%

71

2,500

772.27

-2,500

4.7%

42

2,090

765.42

-554

3.9%

26

1,930

769.83

-1,765

3.6%

43

1,838

760.37

-1,738

3.5%

56

1,206

760.68

-1,006

2.3%

35

1,130

767.69

-405

2.1%

4

1,010

768.06

-375

1.9%

36

929

763.53

-829

1.8%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital1,344,8711,344,8711,233,82700.00%
Reserves and Surplus424,022359,283392,7010+18.02%
Debentures and Bonds0.000.000.000-
Borrowings3,909,5555,409,4085,970,0420-27.73%
Deposits0.000.000.000-
Income Tax Liabilities8,24201,3630-
Other Liabilities89,52563,38465,8510+41.24%
Total Capital & Liabilities5,776,2157,176,9457,663,7850-19.52%
Assets
Cash and Bank Balance965,043976,959169,5670-1.22%
Money at Call & Short Notice0.000.000.000-
Investments33,2961,3061,3060+2450.21%
Loan and Advances4,693,4356,105,3367,419,4740-23.13%
Fixed Assets4,2366,1916,9880-31.57%
Non Banking Assets0.000.000.000-
Other Assets80,20687,15466,4500-7.97%
Total Assets5,776,2157,176,9457,663,7850-19.52%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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

938-1.03-0.11%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.30.5327.88.062.082.11%20.8421.15%

ADLB

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

AKBSL

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

ALBSL

1,063-6.95-0.65%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.20.2627.7511.072.052.79%19.2526.22%

ANLB

5,884.9-8.84-0.15%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.370.5764.8840.763.213.57%19.6321.79%

AVYAN

1,043-16.96-1.6%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.140.0619.6210.113.724.02%38.3241.45%

BPW

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

CBBL

910.6-0.09-0.01%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.3-26.328.962.252.36%14.4715.16%

CYCL

1,385-47.86-3.34%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

820-9.96-1.2%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.060.4518.68.533.273.39%22.6323.43%

DLBS

1,420+185+14.98%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.540.2859.7510.470.951.11%11.7513.61%

FOWAD

980.1-9.9-1%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.230.1664.748.620.950.84%7.366.5%

GBLBS

750-17.58-2.29%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,095-7.05-0.64%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.330.6324.018.522.732.85%22.1723.11%

GLBSL

1,798-1.98-0.11%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.311.4845.4714.112.452.41%27.3626.86%

GMFBS

1,211-15.2-1.24%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.690.1524.5211.043.163.12%32.1231.67%

HLBSL

874.5-0.53-0.06%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.20.6825.728.051.962.17%19.3621.37%

ILBS

892+1.87+0.21%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.66-26.9811.831.652.77%14.6124.44%

JALPA

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

JBLB

1,251-9.96-0.79%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.380.522.459.832.653.22%20.7325.09%

JSLBB

1,029.9-1.13-0.11%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.530.6255.513.280.591.45%5.1212.49%

KLBS

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

KLBSL

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

KMCDB

823+1.97+0.24%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.38-71.2810.210.361.03%2.767.74%

LLBS

920-3.05-0.33%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.393.91156.729.231.160.4%9.573.33%

MATRI

854.1+4.08+0.48%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.59630.2399.788.040.730.44%9.155.47%

MERO

707.1-3.77-0.53%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.045.6546.1610.261.161.39%8.9510.63%

MKLB

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

MLBBL

1,160-7.94-0.68%00.13199.67235.28%5.8938.3640.85428.396.987.8822.8812.03%8.5933.555.3429.6113.652.893.09%21.8823.3%
AVG1,264.11.050.05%0.010.125205.55136.45%7.7132.4935.95397.117.947.6315.5311.99%8.5253.991.2545.11811.3791.982.21%16.9118.81%
MED1,005-5.36-0.43%00.13178.61111.22%7.132.5535.86386.397.927.7915.6810.61%7.841.760.5528.7059.972.072.38%16.9321.26%
MAX5,884.918514.98%0.030.15484.74379.35%14.482.4991.55999.258.99.3729.2523.93%17.78209.385.65156.7240.763.724.02%38.3241.45%
MIN707.1-47.86-3.34%00.1132.325.3%4.494.376.03161.786.225.112.742.32%3.5519.060.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum