Goodwill Finance Limited

FinanceHigh Cap

NPR 625.80

NPR +10.8+1.76%

09:14 AM NPT · May 15, 2026

Est. 1995 · Hattisar, Kathmandu, Nepal · CEO: Saroj Kaji Tuladhar

Goodwill Finance Limited is one of Nepal’s leading financial institutions, known for delivering reliable financial solutions backed by dedication, expertise, and efficient execution. The company began its operations in 1995 after receiving a license from Nepal Rastra Bank and was established as a public limited company under the Financial Company Act 2042 in 2051 B.S. With a strong commitment to providing exceptional financial services, Goodwill Finance has played a significant role in supporting individuals, businesses, and entrepreneurs across the country. Over the years, the institution has built a reputation for trust, innovation, and customer-centered service delivery. The company has an Authorized Capital of NPR 1,000,000,000 and an Issued Capital of NPR 946,115,200, demonstrating solid financial backing. Ownership is structured with 51% promoter shareholding and 49% public shareholding, and its shares are actively traded on the Nepal Stock Exchange (NEPSE). Through its nationwide presence, Goodwill Finance continues to empower customers by offering a robust portfolio of financial services, promoting financial inclusion, and contributing to Nepal’s economic growth.

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Trading

Open

610.00

High

629.00

Low

607.20

Prev Close

615.00

Volume

3,946

Turnover

Rs 2,452,938

Txns

Valuation · Q2 FY25/26

EPS Ann.

23.61

EPS TTM

11.24

BVPS

256.65

P/E Ann.

26.51

P/E TTM

55.68

Graham #

369.24

Capital

Mkt Cap

5.92 Arab

Total

94.61 Lakh

Public

46.36 Lakh

Promoter

48.25 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

50.49

ADX

19.11

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

620.26

SMA 50

646.14

Bands & Channels

BB Width %

5.55%

Volume & Flow

OBV

4,184,033

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

42,808

Shares Bought

Total Sell

42,808

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

15,709

Amount

9,797,675

Avg Rate

623.70

Rank

Brokers

#83#54#57#21

Distributors

Quantity

22,364

Amount

13,946,903

Avg Rate

623.63

Rank

Brokers

#58#34#86

Net Flow Impact:

-6,655units

(Rs. -4,149,228)

Net Flow by Timeframe

GFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 60,261 ]

Buy Side

Total: 24,476

Broker

QTY

AVG

NET

10,780

623.55

+10,780

25.2%

2,230

620.79

+2,180

5.2%

1,572

628.57

+1,072

3.7%

1,188

619.03

+472

2.8%

1,150

626.34

+650

2.7%

1,142

625.00

+912

2.7%

1,127

624.09

+1,009

2.6%

927

626.17

+427

2.2%

830

628.14

+299

1.9%

780

625.00

+731

1.8%

629

621.46

+529

1.5%

606

627.18

+174

1.4%

560

626.25

+560

1.3%

510

618.59

+303

1.2%

445

625.64

+145

1.0%

Sell Side

Total: 35,785

Broker

QTY

AVG

NET

14,920

625.10

-4,602

34.9%

4,564

626.09

-4,264

10.7%

2,880

612.13

-2,880

6.7%

2,600

621.12

-2,136

6.1%

1,831

618.34

-1,358

4.3%

1,189

629.11

-1,189

2.8%

1,144

625.87

-627

2.7%

1,028

629.35

-970

2.4%

1,000

632.00

-555

2.3%

932

620.08

-922

2.2%

860

612.58

-275

2.0%

817

624.84

-538

1.9%

805

628.32

-805

1.9%

615

621.85

-285

1.4%

101

600

619.92

-600

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	573,896,690	1,479,930,011	785,416,564	418,920,011	-61.22%
Money at Call & Short Notice	2,271,126,877	605,723,762	530,831,836	543,419,806	+274.94%
Due from NRB	2,271,126,877	605,723,762	530,831,836	543,419,806	+274.94%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	8,655,191,589	8,411,813,621	8,815,776,232	9,921,965,282	+2.89%
Loans & Advances to B/FIs	219,914,353	290,000,000	300,000,000	520,000,000	-24.17%
Loans & Advances to Customers	8,435,277,236	8,121,813,621	8,515,776,232	9,401,965,282	+3.86%
Investments
Investment Securities	2,564,275,744	2,991,752,989	3,439,121,402	3,509,228,937	-14.29%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	522,365,164	582,146,481	109,011,058	104,121,522	-10.27%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	72,103,422	125,821,892	118,142,280	0	-42.69%
Deferred Tax Assets	0.00	0.00	0.00	0.00	-
Goodwill and Intangible Assets	0.00	0.00	0.00	7705204.00	-
Property & Equipment	637,125,402	656,603,684	494,212,375	447,968,544	-2.97%
Other Assets	866,106,370	595,861,869	238,446,144	330,183,574	+45.35%
Total Assets	16,162,191,258	15,449,654,309	14,530,957,891	15,283,512,881	+4.61%
Liabilities
Borrowings & Funding
Borrowings	260,441,537	258,355,469	313,744,123	1,400,426,261	+0.81%
Borrowing	0.00	0.00	0.00	160000000.00	-
Debt Securities Issued	249,158,147	248,730,839	248,351,353	247,754,951	+0.17%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	11,283,390	9,624,630	65,392,770	92,671,310	+17.23%
Due to NRB	0.00	0.00	0.00	900000000.00	-
Deposits	12,729,745,599	12,821,468,186	12,059,216,727	11,617,455,192	-0.72%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	51090623.00	-
Deferred Tax Liabilities	205,093,777	138,272,178	118,759,869	202,749,732	+48.33%
Other Liabilities	538,670,627	349,097,314	391,270,518	376,467,472	+54.30%
Other Liabilities & Provisions	743,764,404	487,369,492	510,030,387	630,307,827	+52.61%
Total Liabilities	13,733,951,540	13,567,193,147	12,882,991,237	13,648,189,279	+1.23%
Equity
Paid Up Capital	946,115,200	946,115,200	946,115,200	946,115,200	0.00%
Share Premium	2,475,548	2,475,548	2,475,548	2,475,548	0.00%
Reserves & Surpluses
Reserves	2,048,853,225	1,585,358,288	958,529,614	558,369,190	+29.24%
Reserves & Surpluses	1,482,124,518	936,345,962	701,851,455	689,208,401	+58.29%
Retained Earnings	-569,204,255	-651,487,874	-259,153,707	128,363,663	+12.63%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	2,428,239,718	1,882,461,162	1,647,966,654	1,635,323,601	+28.99%
Total Liabilities & Equity	16,162,191,258	15,449,654,309	14,530,957,891	15,283,512,881	+4.61%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)%
BFC	454.1	-0.91	-0.2%	0	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	494	+2.02	+0.41%	0	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GMFIL	452.4	-2.59	-0.57%	0	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	520.1	+0.62	+0.12%	0	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	620	-1.93	-0.31%	0.01	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	405.6	-1.38	-0.34%	0	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	797	+3.97	+0.5%	0.01	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	614	+9.01	+1.49%	0	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	562.9	-1.13	-0.2%	0	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PFL	369	+1.98	+0.54%	0	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	435	0	0%	0	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	431	+0.99	+0.23%	0	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	367	+3.81	+1.05%	0	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	530.9	+5.88	+1.12%	0.01	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	503.79	1.45	0.27%	0	0.067	112.71	72.9%	5.4	9.91	197.76	4.38%	3.53%	13.71%	6.54%	8.874	279.124	2.214	289.805	-59.672	42.549	0.39%	0.93%	5.89%	6.5%
MED	474.05	0.81	0.18%	0	0.07	116.12	71.63%	2.95	6.69	169.85	4.57%	3.49%	8.7%	4.33%	8.69	118.56	0.04	118.33	30.44	28.385	0.29%	0.67%	2.69%	4.59%
MAX	797	9.01	1.49%	0.01	0.08	175.29	94.01%	43.2	91.05	400.3	4.6%	4.46%	53.8%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	367	-2.59	-0.57%	0	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	2.48%	3.51%	-54.62%	5.54	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-4.91%	-18%	-120.61%