Goodwill Finance Limited

FinanceMid Cap

NPR 560.10

NPR +2.3+0.41%

09:13 AM NPT · Nov 6, 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

558.00

High

564.90

Low

557.00

Prev Close

557.80

Volume

1,035

Turnover

Rs 579,406.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

14.96

EPS TTM

14.96

BVPS

211.01

P/E Ann.

37.44

P/E TTM

37.44

Graham #

266.51

Capital

Mkt Cap

5.3 Arab

Total

94.61 Lakh

Public

46.36 Lakh

Promoter

48.25 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

46.2

ADX

29.2

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

560.25

SMA 50

569.08

Bands & Channels

BB Width %

6.2%

Volume & Flow

OBV

3,958,803

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

20,008

Shares Bought

Total Sell

20,008

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

4,885

Amount

2,786,172

Avg Rate

570.35

Rank

#14

Brokers

#34#63

Distributors

Quantity

4,975

Amount

2,818,013

Avg Rate

566.43

Rank

#13

Brokers

#5#74#33

Net Flow Impact:

-90units

(Rs. -31,841)

Net Flow by Timeframe

GFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 31,108 ]

Buy Side

Total: 13,651

Broker

QTY

AVG

NET

2,910

563.95

+2,880

14.5%

1,975

579.79

+1,975

9.9%

1,375

568.09

+1,375

6.9%

1,162

558.09

+1,162

5.8%

1,083

562.02

+1,083

5.4%

927

565.17

+927

4.6%

854

567.29

+614

4.3%

680

559.53

+680

3.4%

655

565.36

+400

3.3%

625

563.61

+375

3.1%

500

561.22

+500

2.5%

325

565.00

+325

1.6%

315

567.69

+315

1.6%

150

562.00

+150

0.8%

115

565.00

+65

0.6%

Sell Side

Total: 17,457

Broker

QTY

AVG

NET

2,755

561.97

-1,135

13.8%

1,800

566.51

-1,800

9.0%

1,725

566.46

-1,725

8.6%

1,625

573.62

-384

8.1%

1,520

570.93

-320

7.6%

1,450

566.32

-1,410

7.3%

1,238

565.90

-838

6.2%

1,000

555.23

-890

5.0%

919

562.98

-919

4.6%

883

563.04

-284

4.4%

693

570.00

-693

3.5%

632

565.76

-632

3.2%

510

570.22

-128

2.5%

101

357

563.76

-357

1.8%

350

566.03

-320

1.8%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	2,053,073	1,824,053	815,121	0	+12.56%
Money at Call & Short Notice	884,951	594,877	540,193	0	+48.76%
Due from NRB	884,951	594,877	540,193	0	+48.76%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	9,072,319	8,192,477	8,446,320	0	+10.74%
Loans & Advances to B/FIs	210,000	224,068	240,000	0	-6.28%
Loans & Advances to Customers	8,862,319	7,968,409	8,206,320	0	+11.22%
Investments
Investment Securities	2,752,281	2,206,753	3,024,802	0	+24.72%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	503,506	546,633	564,660	0	-7.89%
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	59,888	87,000	82,158	0	-31.16%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	0.00	0.00	0.00	0	-
Property & Equipment	630,902	652,148	500,691	0	-3.26%
Other Assets	283,114	701,862	1,207,157	0	-59.66%
Total Assets	16,180,145	14,718,802	15,098,943	0	+9.93%
Liabilities
Borrowings & Funding
Borrowings	352,189	263,423	269,456	0	+33.70%
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	103,031	14,692	21,105	0	+601.27%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	13,193,002	12,121,270	12,640,558	0	+8.84%
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	112,334	0	+48.33%
Other Liabilities	433,468	330,652	300,503	0	+31.09%
Other Liabilities & Provisions	638,562	468,924	412,838	0	+36.18%
Total Liabilities	14,183,752	12,853,617	13,322,852	0	+10.35%
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	1,412,061	1,336,006	1,310,765	0	+5.69%
Reserves & Surpluses	1,050,278	919,070	829,977	0	+14.28%
Retained Earnings	-364,259	-419,412	-483,263	0	+13.15%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,996,393	1,865,185	1,776,092	0	+7.03%
Total Liabilities & Equity	16,180,145	14,718,802	15,098,943	0	+9.93%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q4

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	455	+0.09	+0.02%	0	0.06	113.08	70.53%	6.46	7.84	7.84	141.23	4.1	2.83	15	10.7%	4.55	65.63	0.02	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	598	-7.02	-1.16%	0.01	0.07	122.15	59.89%	7.58	13.44	13.44	192.19	4.42	4.61	19.95	10.12%	4.98	45.31	1	43.15	9.04	1.35	1.35%	11.38	11.38%
GMFIL	418	-0.8	-0.19%	0	0.06	157.55	66.24%	5.29	4.56	4.56	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	1.44	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	498	-3.01	-0.6%	0	0.06	167.43	72.62%	6.68	25.28	25.28	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	0.07	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	610	+4	+0.66%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	308.41	4.09	3.35	14.65	1.55%	3.11	26.38	-	27.14	3.87	1.06	1.06%	11.93	11.93%
JFL	274.2	-3.81	-1.37%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	2.06	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	680	+2.98	+0.44%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	348.33	4.39	4.44	17.93	3.43%	3.99	27.72	1.38	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	570	+0.4	+0.07%	0	0.06	121.76	64.49%	5.15	8.91	8.91	156.24	4.54	3.59	20.58	3.3%	4.88	66.67	0.5	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	479	+1	+0.21%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	-	4.55	3.42	-20.62	13.83%	4.51	-62.01	-	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PFL	324.5	-0.49	-0.15%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	145.12	4.16	2.92	46.28	20.84%	5.2	27.23	1.02	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	375	+2.2	+0.59%	0	0.06	83.84	69.6%	11.52	5.92	5.92	105.68	4.55	3.5	9.25	3.01%	5.16	73.14	-	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	412	+0.08	+0.02%	0	0.07	116.78	85.02%	8.56	4.51	4.51	108.86	4.15	3.11	6.44	6.55%	3.85	99.78	5.15	94.68	6.43	0.44	0.44%	3.97	3.97%
SFCL	370	0	0%	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	467	+2	+0.43%	0	0.07	139.82	71.39%	6.47	4.62	4.62	120.56	3.68	3.69	6.54	3.74%	3.64	110.17	-	104.85	7.21	0.45	0.45%	3.27	3.27%

AVG	466.48	-0.17	-0.07%	0	0.065	118.43	73.18%	-44.58	9.37	9.96	180.73	4.34	4	12.72	11.8%	4.518	299.44	4.498	59.773	9.392	0.82	0.96%	16.67	17.7%
MED	461	0.09	0.02%	0	0.065	121.96	70.96%	6.65	6.88	8.09	143.18	4.4	3.58	11.95	7.32%	4.51	66.15	1.2	53.31	7.435	0.77	1.01%	7.22	9.32%
MAX	680	4	0.66%	0.01	0.08	193.63	93.39%	11.52	27.85	27.85	348.33	4.6	7.93	46.28	61.55%	8.78	3,308.33	32.34	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	274.2	-7.02	-1.37%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	1.55%	2.86	-62.01	0.02	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%