Guheshowori Merchant Bank & Finance Co. Ltd.

FinanceMid Cap

NPR 471.40

NPR -3.6-0.76%

09:14 AM NPT · Jun 26, 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

482.90

High

482.90

Low

465.50

Prev Close

475.00

Volume

10,003

Turnover

Rs 4,692,049

Txns

Valuation · Q3 FY25/26

EPS Ann.

6.00

EPS TTM

4.05

BVPS

168.38

P/E Ann.

78.57

P/E TTM

116.40

Graham #

150.77

Capital

Mkt Cap

4.77 Arab

Total

1.01 Crore

Public

49.6 Lakh

Promoter

51.62 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

21.34

ADX

30.68

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

483.58

SMA 50

472.49

Bands & Channels

BB Width %

9.18%

Volume & Flow

OBV

5,164,268

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

90,116

Shares Bought

Total Sell

90,116

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

24,146

Amount

11,638,180

Avg Rate

481.99

Rank

Brokers

#60#17#56

Distributors

Quantity

19,600

Amount

9,374,948

Avg Rate

478.31

Rank

Brokers

#6#34#54#35

Net Flow Impact:

+4,546units

(Rs. 2,263,233)

Net Flow by Timeframe

GMFIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 114,042 ]

Buy Side

Total: 64,217

Broker

QTY

AVG

NET

13,862

482.08

+13,862

15.4%

5,800

482.26

+5,190

6.4%

5,024

474.22

+4,474

5.6%

4,770

474.41

+1,557

5.3%

4,484

481.37

+4,484

5.0%

4,446

479.00

+815

4.9%

3,649

480.59

+2,590

4.0%

3,570

478.64

+124

4.0%

3,260

478.10

+83

3.6%

3,060

478.14

+1,420

3.4%

3,047

477.75

+121

3.4%

2,800

476.79

+1,705

3.1%

2,196

476.91

+1,696

2.4%

2,129

474.83

+1,096

2.4%

2,120

483.29

+2,120

2.4%

Sell Side

Total: 49,825

Broker

QTY

AVG

NET

5,706

477.86

-5,676

6.3%

5,030

481.66

-5,030

5.6%

4,703

482.05

-4,703

5.2%

4,674

477.54

-2,005

5.2%

4,161

470.67

-4,111

4.6%

4,000

477.16

-2,470

4.4%

3,325

476.12

-1,921

3.7%

2,787

483.47

-2,787

3.1%

2,593

475.65

-2,593

2.9%

2,434

480.14

-1,414

2.7%

2,431

484.44

-1,071

2.7%

2,310

482.93

-1,290

2.6%

2,092

479.68

-1,282

2.3%

1,850

483.21

-1,840

2.0%

1,729

483.00

-1,729

1.9%

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	513	-2.01	-0.39%	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	619.5	-5.31	-0.85%	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	630	-2.91	-0.46%	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	545	-6.4	-1.16%	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	625	+4.1	+0.66%	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	401	0	0%	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	790	+12.21	+1.57%	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	615.5	-1.48	-0.24%	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	580	-5.98	-1.02%	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	366	+2	+0.55%	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	443.3	-6.71	-1.49%	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	481.9	-7.09	-1.45%	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	366.1	-5.39	-1.45%	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	540	-6.01	-1.1%	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	536.88	-2.21	-0.49%	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	542.5	-4.11	-0.66%	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	790	12.21	1.57%	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	366	-7.09	-1.49%	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%