First Micro Finance Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 795.90

NPR +2.9+0.37%

09:14 AM NPT · May 14, 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.

fmdb.com.np/

Trading

Open

799.00

High

804.90

Low

785.00

Prev Close

793.00

Volume

9,871

Turnover

Rs 7,789,535.3

Txns

115

Valuation · Q2 FY25/26

EPS Ann.

10.47

EPS TTM

11.14

BVPS

128.31

P/E Ann.

76.02

P/E TTM

71.45

Graham #

173.86

Capital

Mkt Cap

10.7 Arab

Total

1.34 Crore

Public

65.9 Lakh

Promoter

68.59 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

47.85

ADX

28.16

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

808.04

SMA 50

827.79

Bands & Channels

BB Width %

13.86%

Volume & Flow

OBV

6,496,124

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

142,207

Shares Bought

Total Sell

142,207

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

Quantity

48,486

Amount

39,237,313

Avg Rate

809.25

Rank

Brokers

#21#101#45#17#42#14

Distributors

Quantity

88,896

Amount

71,867,234

Avg Rate

808.44

Rank

Brokers

#58#66

Net Flow Impact:

-40,410units

(Rs. -32,629,920)

Net Flow by Timeframe

FMDBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 183,938 ]

Buy Side

Total: 73,347

Broker

QTY

AVG

NET

12,550

810.05

+10,920

8.8%

10,696

808.71

+5,016

7.5%

7,955

810.12

+4,409

5.6%

101

7,606

818.63

+7,506

5.3%

5,714

803.22

+4,036

4.0%

4,016

809.87

+3,401

2.8%

3,965

797.12

+3,655

2.8%

3,240

805.25

+2,153

2.3%

2,755

813.70

+1,419

1.9%

2,733

808.23

+1,033

1.9%

2,655

815.53

+1,745

1.9%

2,592

800.97

+607

1.8%

2,343

811.28

+2,343

1.6%

2,327

805.45

+2,027

1.6%

2,200

812.49

+1,950

1.6%

Sell Side

Total: 110,591

Broker

QTY

AVG

NET

80,396

810.45

-53,353

56.5%

8,500

789.41

-8,500

6.0%

4,970

815.31

-4,563

3.5%

3,595

795.10

-3,445

2.5%

1,778

826.86

-718

1.3%

1,724

828.42

-875

1.2%

1,691

828.61

-699

1.2%

1,310

809.35

-84

0.9%

1,265

811.28

-475

0.9%

1,161

833.32

-1,141

0.8%

1,009

813.40

-514

0.7%

1,000

814.12

-1,000

0.7%

920

825.22

-111

0.7%

772

807.06

-407

0.5%

500

795.29

-500

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	1,344,871,323	1,344,871,323	1,233,826,903	1,147,746,000	0.00%
Reserves and Surplus	380,760,844	340,637,253	348,187,520	381,853,000	+11.78%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	4,075,097,402	5,516,184,102	5,448,417,784	8,731,836,000	-26.12%
Deposits	0.00	0.00	0.00	0.00	-
Income Tax Liabilities	0.00	0.00	12044127.00	15108000.00	-
Other Liabilities	110,076,839	58,587,817	83,395,153	106,347,000	+87.88%
Total Capital & Liabilities	5,910,806,408	7,260,280,495	7,125,871,487	10,382,890,000	-18.59%
Assets
Cash and Bank Balance	1,057,073,605	1,096,290,716	681,164,485	106,542,000	-3.58%
Money at Call & Short Notice	18,318,475	0	0	100,000,000	-
Investments	33,295,600	1,305,600	1,305,600	1,306,000	+2450.21%
Loan and Advances	4,705,233,036	6,091,094,059	6,373,743,286	10,110,730,000	-22.75%
Fixed Assets	4,716,981	6,397,105	7,507,892	8,707,000	-26.26%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	92,168,711	65,193,015	62,150,226	55,605,000	+41.38%
Total Assets	5,910,806,408	7,260,280,495	7,125,871,489	10,382,890,000	-18.59%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	952	-2	-0.21%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,105.5	-1.88	-0.17%	-	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,005	-44.77	-0.74%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,120	+15.03	+1.36%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	911.5	-7.54	-0.82%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,472	0	0%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	847	+0.76	+0.09%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,323	-5.05	-0.38%	-	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FOWAD	1,050	-0.11	-0.01%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	771.9	+9.68	+1.27%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,111	-5.47	-0.49%	-	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,780	0	0%	-	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,327	-5.86	-0.44%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	-	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	935	0	0%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,315	+14.95	+1.15%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,090	-10.01	-0.91%	-	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	866	-18.76	-2.12%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	954	-5.95	-0.62%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	894	-16.02	-1.76%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	715.1	+0.07	+0.01%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,180	-12.04	-1.01%	-	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,300.68	-4.32	-0.26%	-	0.124	203.07	126.71%	31.8	35.02	390.82	7.47%	7.73%	9.78%	15.07%	12.837	27.885	44.317	27.585	42.59	24.78	1.82%	2.05%	16.8%	18.82%
MED	1,070	-1.94	-0.19%	-	0.13	182.2	110.26%	31.57	34.61	371.05	8.09%	7.44%	9.06%	15.18%	11.575	35.725	0.385	34.705	31.36	20.49	1.99%	2.08%	16.54%	17.52%
MAX	6,005	15.03	1.36%	-	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	29.02%	28.45	98.14	963	95.25	114.06	87.5	3.36%	4.16%	47.92%	43.25%
MIN	715.1	-44.77	-2.12%	-	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.96%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%