Goodwill Finance Limited

FinanceHigh Cap

NPR 627.00

NPR -3-0.48%

09:14 AM NPT · Jun 29, 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.

goodwillfinance.com.np/facebook

Trading

Open

623.00

High

634.00

Low

617.40

Prev Close

630.00

Volume

13,219

Turnover

Rs 8,227,168.6

Txns

Valuation · Q3 FY25/26

EPS Ann.

14.28

EPS TTM

9.64

BVPS

207.18

P/E Ann.

43.91

P/E TTM

65.04

Graham #

258.01

Capital

Mkt Cap

5.93 Arab

Total

94.61 Lakh

Public

46.36 Lakh

Promoter

48.25 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

37.27

ADX

26.51

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

639.54

SMA 50

630.56

Bands & Channels

BB Width %

8.27%

Volume & Flow

OBV

4,066,224

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

50,917

Shares Bought

Total Sell

50,917

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

22,287

Amount

13,961,804

Avg Rate

626.46

Rank

Brokers

#57#44#60#32

Distributors

Quantity

13,991

Amount

8,760,308

Avg Rate

626.14

Rank

Brokers

#88#95#77

Net Flow Impact:

+8,296units

(Rs. 5,201,496)

Net Flow by Timeframe

GFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 67,065 ]

Buy Side

Total: 37,209

Broker

QTY

AVG

NET

10,075

623.39

+1,835

19.8%

5,802

627.14

+5,542

11.4%

4,640

626.89

+3,120

9.1%

2,538

628.13

+1,553

5.0%

1,912

626.91

+422

3.8%

1,846

630.61

+1,416

3.6%

1,770

640.53

+1,670

3.5%

1,550

620.00

+1,550

3.0%

1,109

624.50

+78

2.2%

1,108

629.63

+393

2.2%

1,098

622.11

+757

2.2%

1,066

627.49

+1,006

2.1%

1,000

631.00

+986

2.0%

900

624.33

+310

1.8%

795

628.28

+595

1.6%

Sell Side

Total: 29,856

Broker

QTY

AVG

NET

8,391

624.09

-7,711

16.5%

3,600

627.22

-3,600

7.1%

2,000

632.78

-1,990

3.9%

1,795

625.34

-195

3.5%

1,750

621.20

-1,150

3.4%

1,593

624.69

-1,298

3.1%

1,582

628.40

-1,047

3.1%

1,456

624.40

-1,456

2.9%

1,350

629.76

-930

2.6%

1,330

635.47

-150

2.6%

1,240

627.42

-1,240

2.4%

101

1,100

625.51

-1,100

2.2%

1,019

627.48

-709

2.0%

850

621.73

-625

1.7%

800

630.16

-800

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	759,922	1,927,194	1,176,141	0	-60.57%
Money at Call & Short Notice	2,547,540	582,166	549,872	0	+337.60%
Due from NRB	2,547,540	582,166	549,872	0	+337.60%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	8,422,618	8,202,023	8,637,841	0	+2.69%
Loans & Advances to B/FIs	240,000	290,000	240,000	0	-17.24%
Loans & Advances to Customers	8,182,618	7,912,023	8,397,841	0	+3.42%
Investments
Investment Securities	3,794,038	2,691,753	2,673,643	0	+40.95%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	503,506	579,759	104,557	0	-13.15%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	113,452	79,299	127,695	0	+43.07%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	0.00	0.00	0.00	0	-
Property & Equipment	633,637	652,336	488,345	0	-2.87%
Other Assets	1,215,702	698,801	858,460	0	+73.97%
Total Assets	17,876,965	15,334,032	14,488,858	0	+16.58%
Liabilities
Borrowings & Funding
Borrowings	319,821	257,246	262,268	0	+24.33%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	249,158	248,731	248,351	0	+0.17%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	70,663	8,515	13,917	0	+729.86%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	13,076,777	12,705,764	12,419,682	0	+2.92%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	205,094	138,272	145,774	0	+48.33%
Other Liabilities	2,315,142	334,155	282,414	0	+592.84%
Other Liabilities & Provisions	2,520,236	472,427	428,188	0	+433.47%
Total Liabilities	15,916,834	13,435,437	13,110,138	0	+18.47%
Equity
Paid Up Capital	946,115	946,115	946,115	0	0.00%
Share Premium	2,476	2,476	2,476	0	0.00%
Reserves & Surpluses
Reserves	1,586,345	1,605,739	825,828	0	-1.21%
Reserves & Surpluses	1,014,016	952,480	432,605	0	+6.46%
Retained Earnings	-574,805	-655,735	-395,698	0	+12.34%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,960,131	1,898,595	1,378,721	0	+3.24%
Total Liabilities & Equity	17,876,965	15,334,032	14,488,858	0	+16.58%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	500	-12.98	-2.53%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	0.33	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	616.7	-2.79	-0.45%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	172.21	4.41	4.83	7.67	14.17%	6.14	101.75	1.04	54.78	13.89	0.52	1.18%	4.71	10.43%
GMFIL	465	-6.41	-1.36%	0	0.07	168.38	66.08%	4.95	6	4.05	123.87	4.59	4.49	9.33	6.37%	3.77	79.33	2.05	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	540	-5.01	-0.92%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	0.09	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	615	-10	-1.6%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	291.48	4.48	3.32	7.75	2.68%	4.9	55.85	-	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	400.2	-0.8	-0.2%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	775.5	-14.54	-1.84%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	1.33	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	613.9	-1.6	-0.26%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	-	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	576	-4	-0.69%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	365	-0.99	-0.27%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	29.48	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	438.3	-5.01	-1.13%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	469	-12.92	-2.68%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	243.57	4.28	3.73	6.34	10.34%	5.24	101	0.9	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	366	-0.11	-0.03%	0	0.07	60.3	76.56%	6.62	0.12	8.35	106.44	4.58	3.56	0.38	8.09%	8.78	3,308.33	32.34	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	534	-5.99	-1.11%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	-	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	519.61	-5.94	-1.08%	0.01	0.068	114.38	72.44%	-0.14	4.87	7.88	175.17	4.39	3.95	4.24	13.42%	6.222	308.09	8.445	-14.149	15.614	0.33	0.7%	1.57	1.2%
MED	517	-5.01	-1.02%	0	0.07	117.56	70.74%	6.73	4.85	7.88	162.13	4.51	3.67	7.01	7.77%	6.14	54.39	1.185	35.18	13.525	0.5	0.82%	4	7.63%
MAX	775.5	-0.11	-0.03%	0.01	0.08	182.2	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.78	3,308.33	32.34	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	365	-14.54	-2.68%	0	0.05	-6.46	58.1%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	2.68%	3.77	-116.97	0.09	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%