Guheshowori Merchant Bank & Finance Co. Ltd.

FinanceMid Cap

NPR 418.00

NPR -0.8-0.19%

09:14 AM NPT · Nov 6, 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

420.00

High

420.00

Low

418.00

Prev Close

418.80

Volume

380

Turnover

Rs 159,414

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.56

EPS TTM

4.56

BVPS

157.55

P/E Ann.

91.67

P/E TTM

91.67

Graham #

127.14

Capital

Mkt Cap

4.23 Arab

Total

1.01 Crore

Public

49.6 Lakh

Promoter

51.62 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

48.97

ADX

28.45

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

415.99

SMA 50

420.54

Bands & Channels

BB Width %

5.97%

Volume & Flow

OBV

5,040,924

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

23,213

Shares Bought

Total Sell

23,213

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

7,950

Amount

3,344,981

Avg Rate

420.75

Rank

#11

Brokers

#28#21

Distributors

Quantity

7,736

Amount

3,227,445

Avg Rate

417.20

Rank

#12

Brokers

#17#40#56

Net Flow Impact:

+214units

(Rs. 117,536)

Net Flow by Timeframe

GMFIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 36,065 ]

Buy Side

Total: 18,512

Broker

QTY

AVG

NET

5,640

421.65

+5,640

24.3%

2,317

412.73

+457

10.0%

2,310

418.57

+2,160

9.9%

2,020

416.97

+1,300

8.7%

1,180

417.89

+1,022

5.1%

1,150

423.89

+330

5.0%

920

416.21

+670

4.0%

500

414.00

+500

2.1%

500

416.00

+316

2.1%

475

414.00

+475

2.0%

465

415.38

+465

2.0%

300

416.00

+300

1.3%

300

418.00

+300

1.3%

260

419.88

+260

1.1%

175

416.06

+165

0.8%

Sell Side

Total: 17,553

Broker

QTY

AVG

NET

3,782

413.23

-3,282

16.3%

1,990

425.05

-1,990

8.6%

1,964

416.88

-1,752

8.5%

1,639

416.70

-279

7.1%

1,360

419.09

-560

5.9%

1,237

418.62

-562

5.3%

1,000

417.30

-756

4.3%

1,000

416.76

-1,000

4.3%

680

422.71

-340

2.9%

600

422.48

-600

2.6%

500

420.02

-500

2.1%

500

425.00

-500

2.1%

450

419.47

-450

1.9%

426

416.59

-351

1.8%

425

418.14

-400

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	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	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%
GFCL	560.1	+2.29	+0.41%	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	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	476.63	0.05	-0.03%	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	473	0.24	0.05%	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	680	4	0.66%	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	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%	2.8	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%