Guheshowori Merchant Bank & Finance Co. Ltd.

FinanceMid Cap

NPR 472.00

NPR +7+1.51%

09:14 AM NPT · May 11, 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

488.00

High

488.00

Low

466.50

Prev Close

465.00

Volume

6,883

Turnover

Rs 3,224,860.4

Txns

Valuation · Q2 FY25/26

EPS Ann.

3.33

EPS TTM

6.59

BVPS

164.67

P/E Ann.

141.74

P/E TTM

71.62

Graham #

111.08

Capital

Mkt Cap

4.78 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

47.72

ADX

14.07

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

468.24

SMA 50

482.17

Bands & Channels

BB Width %

8.42%

Volume & Flow

OBV

5,048,611

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

25,591

Shares Bought

Total Sell

25,591

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

8,864

Amount

4,074,946

Avg Rate

459.72

Rank

Brokers

#41#1#17

Distributors

Quantity

11,808

Amount

5,388,010

Avg Rate

456.30

Rank

Brokers

#74#21#26

Net Flow Impact:

-2,944units

(Rs. -1,313,064)

Net Flow by Timeframe

GMFIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 42,027 ]

Buy Side

Total: 20,343

Broker

QTY

AVG

NET

3,655

467.99

+3,155

14.3%

2,640

451.61

+2,640

10.3%

2,569

456.28

+2,569

10.0%

2,420

458.69

+365

9.5%

1,900

451.63

+1,900

7.4%

1,755

460.69

+1,630

6.9%

1,540

455.29

+1,290

6.0%

880

451.69

+855

3.4%

600

451.80

+500

2.3%

580

452.00

+580

2.3%

500

452.00

+500

1.9%

431

466.50

+331

1.7%

358

452.30

+348

1.4%

300

457.43

+90

1.2%

215

452.40

+130

0.8%

Sell Side

Total: 21,684

Broker

QTY

AVG

NET

5,608

460.88

-4,433

21.9%

3,200

451.86

-3,097

12.5%

3,000

452.49

-2,773

11.7%

1,536

470.42

-1,286

6.0%

1,410

453.46

-847

5.5%

1,230

463.54

-620

4.8%

1,010

451.40

-910

4.0%

1,000

455.49

-1,000

3.9%

1,000

450.10

-990

3.9%

735

456.30

-235

2.9%

550

459.63

-550

2.1%

518

450.02

-518

2.0%

477

467.08

-477

1.9%

250

452.44

-250

1.0%

160

454.00

-60

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	654,824,000	611,675,000	767,028,000	901,354,000	+7.05%
Money at Call & Short Notice	349,531,000	360,960,000	355,237,000	0	-3.17%
Due from NRB	349,531,000	360,960,000	355,237,000	0	-3.17%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	5,186,066,000	5,755,731,000	5,689,505,000	5,875,739,000	-9.90%
Loans & Advances to B/FIs	146,144,000	344,637,000	465,949,000	362,101,000	-57.59%
Loans & Advances to Customers	5,039,922,000	5,411,094,000	5,223,556,000	5,513,638,000	-6.86%
Investments
Investment Securities	3,284,874,000	3,005,701,000	2,478,617,000	1,939,773,000	+9.29%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	55,343,000	55,189,000	48,301,000	45,856,000	+0.28%
Investment Property	217,083,000	37,711,000	0	0	+475.65%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	5,922,000	24,831,000	15,854,000	20,264,000	-76.15%
Deferred Tax Assets	0.00	0.00	0.00	0.00	-
Goodwill and Intangible Assets	2,332,000	1,292,000	0	0	+80.50%
Property & Equipment	203,629,000	191,058,000	202,531,000	234,121,000	+6.58%
Other Assets	106,221,000	23,192,000	333,849,000	132,921,000	+358.01%
Total Assets	10,065,825,000	10,067,342,000	9,890,922,000	9,150,028,000	-0.02%
Liabilities
Borrowings & Funding
Borrowings	39,930,000	217,584,000	382,089,000	582,296,000	-81.65%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	39,930,000	217,584,000	382,089,000	382,296,000	-81.65%
Due to NRB	0.00	0.00	0.00	200000000.00	-
Deposits	8,168,734,000	8,178,595,000	7,864,976,000	7,049,543,000	-0.12%
Other Liabilities
Provisions	0.00	1029000.00	0.00	0.00	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	111,331,000	88,499,000	66,681,000	43,527,000	+25.80%
Other Liabilities	79,111,000	77,647,000	159,550,000	128,489,000	+1.89%
Other Liabilities & Provisions	190,442,000	167,175,000	226,231,000	172,016,000	+13.92%
Total Liabilities	8,399,106,000	8,563,354,000	8,473,296,000	7,803,855,000	-1.92%
Equity
Paid Up Capital	1,012,176,000	1,012,176,000	1,012,176,000	950,400,000	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	686,835,000	538,575,000	471,945,000	341,530,000	+27.53%
Reserves & Surpluses	654,543,000	491,812,000	405,450,000	395,772,000	+33.09%
Retained Earnings	-32,292,000	-46,763,000	-66,495,000	54,242,000	+30.95%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	1,666,719,000	1,503,988,000	1,417,626,000	1,346,172,000	+10.82%
Total Liabilities & Equity	10,065,825,000	10,067,342,000	9,890,922,000	9,150,028,000	-0.02%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
BFC	468	+13.98	+3.08%	0	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	534.3	+25.39	+4.99%	-	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GFCL	628	+8.3	+1.34%	0.01	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GUFL	537.9	+10.91	+2.07%	0	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	635.1	+0.13	+0.02%	0.01	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	415	+3.01	+0.73%	0	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	811	-7.04	-0.86%	-	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	643	0	0%	-	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	579	0	0%	-	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PFL	382.7	+8.71	+2.33%	0	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	448.9	+8.89	+2.02%	0	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	448	+6.1	+1.38%	-	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	385	+5.99	+1.58%	0	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	544	+8.99	+1.68%	0.01	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	532.85	6.67	1.45%	0	0.069	119.28	73.3%	6.85	10.24	207.62	4.37%	3.74%	13.7%	7.35%	8.824	271.243	2.16	281.939	-60.559	41.779	0.47%	0.93%	6.47%	6.55%
MED	536.1	7.2	1.48%	0	0.07	116.12	72.58%	3.25	9.02	187.77	4.53%	3.49%	8.7%	4.84%	8.69	89.055	0.025	91.545	30.44	28.245	0.33%	0.67%	3.22%	4.96%
MAX	811	25.39	4.99%	0.01	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	382.7	-7.04	-0.86%	0	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	2.48%	3.51%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-4.91%	-18%	-120.61%