Guheshowori Merchant Bank & Finance Co. Ltd.

FinanceMid Cap

NPR 421.00

NPR -5-1.17%

08:57 AM NPT · Sep 24, 2026

Est. 1937 · Hariharbhawan, Lalitpur, Bagmati Province, Nepal · CEO: Rajesh Kumar Shrestha

Guheswori Merchant Banking & Finance Ltd. is a financial institution promoted by a diverse group of respected business leaders, entrepreneurs, educationalists, intellectuals, seasoned bankers, and former bureaucrats. Built on strong local leadership and industry expertise, the institution is committed to expanding access to modern financial services across Nepal. Guided by its long-term vision to grow into a national-level commercial bank, the organization continuously works to strengthen its operational capacity, service quality, and financial products. Its mission focuses on making financing simple and accessible, especially for individuals and communities who have traditionally been excluded from the formal banking system. Beyond providing financial services, Guheswori Merchant Banking & Finance emphasizes financial education—teaching underserved populations about the value of banking, how to access financial facilities, and how these tools can improve their standard of living. Through customer-focused services, financial inclusion efforts, and community engagement, the institution aims to uplift lives and contribute to the nation’s economic development.

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Trading

Open

429.80

High

429.80

Low

420.60

Prev Close

426.00

Volume

2,016

Turnover

Rs 849,466.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.56

EPS TTM

4.56

BVPS

157.55

P/E Ann.

92.32

P/E TTM

92.32

Graham #

127.14

Capital

Mkt Cap

4.26 Arab

Total

1.01 Crore

Public

49.6 Lakh

Promoter

51.62 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

57.18

ADX

43.93

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

420.59

SMA 50

443.64

Bands & Channels

BB Width %

7.53%

Volume & Flow

OBV

5,053,977

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

29,815

Shares Bought

Total Sell

29,815

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

Quantity

5,898

Amount

2,536,268

Avg Rate

430.02

Rank

#14

Brokers

#54#40#29

Distributors

Quantity

10,013

Amount

4,283,814

Avg Rate

427.83

Rank

#11

Brokers

#13#39#58

Net Flow Impact:

-4,115units

(Rs. -1,747,546)

Net Flow by Timeframe

GMFIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 40,623 ]

Buy Side

Total: 20,584

Broker

QTY

AVG

NET

4,208

430.31

+793

14.1%

2,450

428.61

+2,450

8.2%

2,090

439.73

+676

7.0%

1,958

426.09

+1,458

6.6%

1,490

437.51

+1,390

5.0%

1,325

426.36

+1,325

4.4%

1,220

430.23

+390

4.1%

950

425.11

+840

3.2%

900

428.00

+900

3.0%

895

427.00

+895

3.0%

873

428.31

+174

2.9%

755

425.40

+755

2.5%

620

422.30

+490

2.1%

500

426.40

+500

1.7%

350

421.21

+150

1.2%

Sell Side

Total: 20,039

Broker

QTY

AVG

NET

3,630

431.01

-2,480

12.2%

3,540

426.21

-3,360

11.9%

2,843

425.78

-1,518

9.5%

1,590

438.34

-890

5.3%

1,430

437.25

-570

4.8%

1,230

427.99

-230

4.1%

900

425.34

-900

3.0%

850

423.01

-850

2.9%

666

428.25

-666

2.2%

600

434.08

-375

2.0%

600

428.80

-300

2.0%

580

425.22

-480

1.9%

580

425.55

-55

1.9%

500

425.09

-160

1.7%

500

427.00

-500

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	572,722	883,064	940,812	0	-35.14%
Money at Call & Short Notice	383,965	367,663	383,328	0	+4.43%
Due from NRB	383,965	367,663	383,328	0	+4.43%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	5,229,416	5,564,187	5,921,596	0	-6.02%
Loans & Advances to B/FIs	144,316	213,736	234,681	0	-32.48%
Loans & Advances to Customers	5,085,100	5,350,451	5,686,915	0	-4.96%
Investments
Investment Securities	3,370,065	2,448,060	2,147,204	0	+37.66%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	52,114	60,457	51,915	0	-13.80%
Investment Property	201,226	148,130	12,169	0	+35.84%
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	0.00	11372.00	18201.00	0	-100.00%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	2,250	908	0	0	+147.80%
Property & Equipment	196,617	210,245	196,200	0	-6.48%
Other Assets	25,973	182,619	237,650	0	-85.78%
Total Assets	10,032,097	9,864,425	9,890,874	0	+1.70%
Liabilities
Borrowings & Funding
Borrowings	21,476	111,555	172,417	0	-80.75%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	21,476	111,555	172,417	0	-80.75%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,279,841	8,044,094	8,157,055	0	+2.93%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	40.00	0.00	0.00	0	-
Deferred Tax Liabilities	65,216	72,689	35,232	0	-10.28%
Other Liabilities	70,819	81,055	93,314	0	-12.63%
Other Liabilities & Provisions	136,075	153,744	128,546	0	-11.49%
Total Liabilities	8,437,392	8,309,393	8,458,018	0	+1.54%
Equity
Paid Up Capital	1,012,176	1,012,176	1,012,176	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	572,494	528,563	391,808	0	+8.31%
Reserves & Surpluses	582,528	542,856	420,680	0	+7.31%
Retained Earnings	10,034	14,293	28,872	0	-29.80%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,594,704	1,555,032	1,432,856	0	+2.55%
Total Liabilities & Equity	10,032,097	9,864,425	9,890,874	0	+1.70%

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	447	+3.02	+0.68%	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	567.9	+0.91	+0.16%	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%
GFCL	577	+2.01	+0.35%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	266.51	4.21	3.45	13.78	6.27%	2.8	39.45	0.01	38.54	5.44	0.91	0.91%	7.33	7.33%
GUFL	496.4	+0.4	+0.08%	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	595	+3.08	+0.52%	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	285	+5.89	+2.11%	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	764.8	-4.23	-0.55%	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	588	-2.01	-0.34%	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	495	+8.99	+1.85%	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	351	-4.41	-1.24%	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	391	+7.7	+2.01%	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	424	+1.1	+0.26%	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	480.3	-0.72	-0.15%	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	488.03	1.55	0.41%	0	0.066	122.24	73.39%	-44.45	10.11	10.7	192.35	4.33	3.96	13.17	11.88%	4.514	295.2	4.355	55.807	9.25	0.85	0.99%	16.98	18.02%
MED	487.65	1	0.21%	0	0.07	121.96	70.96%	6.89	8.38	8.63	150.68	4.4	3.53	14.22	7.32%	4.51	55.47	1.01	45.295	7.325	0.93	1.01%	7.29	9.36%
MAX	764.8	8.99	2.11%	0.01	0.08	211.01	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	285	-4.41	-1.24%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	1.55%	2.8	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%