Gurans Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,440.00

NPR -39-2.64%

08:24 AM NPT · Nov 6, 2026

Est. 2073 BS (2016 AD) · Dhankuta 56800, Nepal · CEO: Bishnu Prasad Upadhyaya

Gurans Laghubitta Bittiya Sanstha Ltd. (GLBSL) is a rapidly growing microfinance institution in eastern Nepal, providing financial access to over 22,000 poor, landless, and marginalized individuals across 13 districts through 34 branches in Koshi Province. The institution was registered on 2073/02/02 and received its microfinance banking license from Nepal Rastra Bank on 2073/07/22. GLBSL is committed to delivering standard, reliable, and sustainable microfinance services, empowering underserved communities through credit, savings, and financial inclusion programs aimed at improving livelihoods and reducing poverty.

guranslaghubitta.com.np/

Trading

Open

1,470.00

High

1,470.00

Low

1,440.00

Prev Close

1,479.00

Volume

Turnover

Rs 138,678

Txns

Valuation · Q4 FY25/26

EPS Ann.

31.11

EPS TTM

31.11

BVPS

169.51

P/E Ann.

46.29

P/E TTM

46.29

Graham #

344.46

Capital

Mkt Cap

2.19 Arab

Total

15.19 Lakh

Public

4.86 Lakh

Promoter

10.33 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

31.95

ADX

51.49

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1545.26

SMA 50

1626.74

Bands & Channels

BB Width %

24.54%

Volume & Flow

OBV

446,941

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

2,178

Shares Bought

Total Sell

2,178

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

795

Amount

1,137,800

Avg Rate

1431.19

Rank

#35

Brokers

#17#13#38

Distributors

Quantity

1,000

Amount

1,439,550

Avg Rate

1439.55

Rank

#37

Brokers

#70

Net Flow Impact:

-205units

(Rs. -301,750)

Net Flow by Timeframe

GLBSL — Broker Breakdown (7D)

15 Buyers9 Sellers

[ Vol: 3,745 ]

Buy Side

Total: 1,919

Broker

QTY

AVG

NET

320

1429.28

+224

14.7%

275

1432.04

+275

12.6%

209

1438.49

+182

9.6%

200

1433.10

+189

9.2%

175

1448.37

+93

8.0%

112

1481.95

+98

5.1%

100

1400.00

+90

4.6%

100

1423.05

+80

4.6%

1478.33

+88

4.1%

1446.00

+82

3.8%

1453.75

+64

2.9%

1414.25

+63

2.9%

1424.00

+60

2.8%

1421.55

+30

1.8%

1421.00

+19

1.3%

Sell Side

Total: 1,826

Broker

QTY

AVG

NET

1,000

1439.55

-1,000

45.9%

572

1404.42

-572

26.3%

120

1471.67

-40

5.5%

1462.85

-47

2.6%

1480.00

-30

1.4%

1432.00

-17

0.8%

1440.00

-10

0.5%

1440.10

-10

0.5%

1450.00

-10

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	115,850	101,400	0	+14.25%
Reserves and Surplus	0	65,787	47,168	0	+39.47%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	1,382,500	1,302,508	1,183,618	0	+6.14%
Deposits	0	455,570	349,406	0	+30.38%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	74,262	123,448	101,684	0	-39.84%
Total Capital & Liabilities	0	2,063,163	1,783,277	0	+15.70%
Assets
Cash and Bank Balance	0	23,369	11,541	0	+102.48%
Money at Call & Short Notice	0	7,130	17,400	0	-59.02%
Investments	0	9,000	9,000	0	0.00%
Loan and Advances	0	1,947,825	1,681,733	0	+15.82%
Fixed Assets	0	11,702	12,041	0	-2.82%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	9,645	64,138	51,562	0	-84.96%
Total Assets	2,319,420	2,063,163	1,783,277	0	+12.42%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,127.6	+17.54	+1.58%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	18.4	4.39	3.6	3.6%	27.61	27.61%
GMFBS	1,039	+9.98	+0.97%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	920	0	0%	0	0.12	167.93	237.58%	7.88	20.07	20.07	275.38	7.03	6.92	11.91	9.89%	6.65	55.66	49.48	6.63	1.38	1.38%	11.97	11.97%

AVG	1,112.77	4.01	0.26%	0.01	0.123	210.13	124.78%	7.16	39.1	38.95	420.25	7.69	7.13	19.68	11.03%	5.814	39.17	37.179	7.09	2.37	2.36%	18.8	18.75%
MED	921.7	2.01	0.24%	0	0.125	179.82	114%	6.85	34.27	34.27	363.24	8.13	7.19	18.83	9.84%	4.92	28.01	30.22	4.99	2.34	2.34%	17.58	17.58%
MAX	4,899.3	30.19	2.65%	0.04	0.14	362.38	270.5%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-15.66	-1.88%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	13.46	3.47	0.69	0.69%	5.63	5.63%