Guheshowori Merchant Bank & Finance Co. Ltd.

FinanceMid Cap

NPR 456.30

NPR +1+0.22%

09:14 AM NPT · Aug 7, 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

457.20

High

461.00

Low

456.00

Prev Close

455.30

Volume

5,395

Turnover

Rs 2,469,656.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

6.00

EPS TTM

4.05

BVPS

168.38

P/E Ann.

76.05

P/E TTM

112.67

Graham #

150.77

Capital

Mkt Cap

4.62 Arab

Total

1.01 Crore

Public

49.6 Lakh

Promoter

51.62 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.04

ADX

22.76

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

464.17

SMA 50

471.5

Bands & Channels

BB Width %

7.99%

Volume & Flow

OBV

5,170,787

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

47,325

Shares Bought

Total Sell

47,325

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

12,733

Amount

5,866,973

Avg Rate

460.77

Rank

Brokers

#34#4#42#70

Distributors

Quantity

18,948

Amount

8,786,458

Avg Rate

463.71

Rank

Brokers

#26#17#68

Net Flow Impact:

-6,215units

(Rs. -2,919,486)

Net Flow by Timeframe

GMFIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 69,479 ]

Buy Side

Total: 32,159

Broker

QTY

AVG

NET

5,430

463.01

+632

11.5%

3,700

462.19

+2,824

7.8%

3,353

457.54

+3,033

7.1%

3,080

460.95

+3,080

6.5%

2,600

462.70

+2,600

5.5%

2,370

462.73

+2,370

5.0%

2,326

473.82

+2,326

4.9%

2,010

473.91

+1,893

4.3%

1,855

465.76

+1,472

3.9%

1,100

467.60

+704

2.3%

1,050

470.30

+1,050

2.2%

1,000

458.00

+1,000

2.1%

900

466.20

+900

1.9%

755

460.50

+755

1.6%

630

464.69

+130

1.3%

Sell Side

Total: 37,320

Broker

QTY

AVG

NET

7,688

463.48

-5,208

16.3%

7,100

466.40

-6,600

15.0%

5,073

464.42

-2,626

10.7%

4,160

459.57

-4,160

8.8%

2,510

466.18

-1,301

5.3%

2,003

472.89

-1,026

4.2%

1,702

464.46

-1,356

3.6%

1,500

458.37

-1,500

3.2%

1,379

456.65

-842

2.9%

1,305

461.80

-1,205

2.8%

700

468.57

-500

1.5%

630

464.92

-223

1.3%

550

460.00

-530

1.2%

520

456.00

-520

1.1%

500

460.00

-100

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	395,820	990,473	593,211	0	-60.04%
Money at Call & Short Notice	348,298	338,576	357,762	0	+2.87%
Due from NRB	348,298	338,576	357,762	0	+2.87%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	5,182,442	5,570,600	5,646,671	0	-6.97%
Loans & Advances to B/FIs	138,979	226,601	256,731	0	-38.67%
Loans & Advances to Customers	5,043,463	5,343,999	5,389,940	0	-5.62%
Investments
Investment Securities	3,647,752	2,370,289	2,465,870	0	+53.89%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	62,729	55,737	48,029	0	+12.54%
Investment Property	204,117	129,862	0	0	+57.18%
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	1,855	11,114	25,890	0	-83.31%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	2,435	888	0	0	+174.21%
Property & Equipment	198,449	210,709	197,104	0	-5.82%
Other Assets	108,507	63,321	361,974	0	+71.36%
Total Assets	10,148,112	9,729,567	9,670,621	0	+4.30%
Liabilities
Borrowings & Funding
Borrowings	27,148	235,669	222,731	0	-88.48%
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	27,148	235,669	222,731	0	-88.48%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	8,228,930	7,744,913	7,855,619	0	+6.25%
Other Liabilities
Provisions	0.00	1029.00	0.00	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	115,141	97,391	66,014	0	+18.23%
Other Liabilities	72,566	76,639	98,299	0	-5.31%
Other Liabilities & Provisions	187,707	175,059	164,313	0	+7.22%
Total Liabilities	8,443,785	8,155,641	8,242,663	0	+3.53%
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	699,455	605,717	477,541	0	+15.48%
Reserves & Surpluses	692,151	561,752	415,781	0	+23.21%
Retained Earnings	-7,304	-43,965	-61,760	0	+83.39%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,704,327	1,573,928	1,427,957	0	+8.28%
Total Liabilities & Equity	10,148,112	9,729,569	9,670,620	0	+4.30%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q3

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	494	-7.98	-1.59%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	0.33	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	660	-14.98	-2.22%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	172.21	4.41	4.83	7.67	14.17%	6.14	101.75	1.04	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	605	+1.99	+0.33%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	211.98	4.06	4.93	11.79	9.86%	4.14	45.04	0.08	69.4	9.45	0.81	0.54%	7	4.72%
GUFL	569.9	-5.99	-1.04%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	0.09	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	603	-2	-0.33%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	291.48	4.48	3.32	7.75	2.68%	4.9	55.85	-	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	384.5	-6.49	-1.66%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	775	-9.97	-1.27%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	1.33	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	613	+2.02	+0.33%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	-	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	567.4	-0.62	-0.11%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	364	0	0%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	29.48	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	420	-3.09	-0.73%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	452.6	-4.39	-0.96%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	243.57	4.28	3.73	6.34	10.34%	5.24	101	0.9	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	370	-4.99	-1.33%	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	505.5	-4.49	-0.88%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	-	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	527.42	-4.36	-0.82%	0.01	0.068	117.15	72.62%	0.09	5.47	8.28	183.18	4.36	3.98	4.42	13.67%	6.251	305.64	8.199	-17.931	15.349	0.35	0.71%	1.81	1.36%
MED	536.45	-4.44	-0.92%	0	0.07	117.56	70.74%	7.36	4.85	9	172.21	4.47	3.67	7.01	8.98%	6.14	48.98	0.97	35.18	13.525	0.5	0.82%	4.51	7.63%
MAX	775	2.02	0.33%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.78	3,308.33	32.34	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	364	-14.98	-2.22%	0	0.05	-6.46	58.1%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	2.68%	4.14	-116.97	0.08	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%