Gurkhas Finance Ltd.

FinanceMid Cap

NPR 498.00

NPR -3-0.60%

09:14 AM NPT · Nov 6, 2026

Est. 2051 B.S. · Kathmandu Metropolitan City-22, Kathmandu, Bagmati Province, Nepal · CEO: Gyanendra Ewahang

Gurkhas Finance Limited, one of Nepal’s leading financial institutions, has established a strong presence in the banking industry over its 30-year journey. The institution has achieved remarkable growth through consistent organic expansion and a commitment to serving diverse customer segments across the country. With a network of 26 branches, 1 extension counter, and 5 ATMs, Gurkhas Finance reaches customers nationwide and serves a base of more than 100,000 clients. This extensive footprint has positioned the finance company as a major player in terms of geographical coverage and customer access. Dedicated to fostering economic growth, Gurkhas Finance connects individuals and businesses to financial opportunities—empowering enterprises to thrive, enabling communities to prosper, and helping people achieve their goals. The institution offers a full suite of financial services tailored to personal, business, and corporate clients, all supported by a highly motivated, young, and dynamic professional team.

gurkhasfinance.com.np/facebook

Trading

Open

476.00

High

499.90

Low

476.00

Prev Close

501.00

Volume

3,697

Turnover

Rs 1,838,300.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

25.28

EPS TTM

25.28

BVPS

167.43

P/E Ann.

19.70

P/E TTM

19.70

Graham #

308.60

Capital

Mkt Cap

4.32 Arab

Total

86.8 Lakh

Public

42.53 Lakh

Promoter

44.27 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

50.08

ADX

15.64

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

493.18

SMA 50

500.92

Bands & Channels

BB Width %

4.6%

Volume & Flow

OBV

4,169,663

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

30,603

Shares Bought

Total Sell

30,603

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

10,005

Amount

5,002,414

Avg Rate

499.99

Rank

Brokers

#58#42#48

Distributors

Quantity

8,515

Amount

4,255,657

Avg Rate

499.78

Rank

Brokers

#49#57#56

Net Flow Impact:

+1,490units

(Rs. 746,757)

Net Flow by Timeframe

GUFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 44,295 ]

Buy Side

Total: 21,922

Broker

QTY

AVG

NET

5,152

498.22

+2,714

16.8%

3,014

500.56

+2,033

9.8%

2,180

501.38

+1,130

7.1%

1,839

504.03

+1,809

6.0%

1,336

498.94

+1,188

4.4%

1,274

503.80

+1,023

4.2%

1,000

500.60

+887

3.3%

1,000

493.00

+1,000

3.3%

916

499.59

+916

3.0%

880

498.82

+880

2.9%

865

499.19

+855

2.8%

776

495.36

+776

2.5%

640

496.37

+77

2.1%

550

500.51

+500

1.8%

500

495.20

+500

1.6%

Sell Side

Total: 22,373

Broker

QTY

AVG

NET

3,525

499.67

-915

11.5%

3,490

501.10

-3,015

11.4%

2,636

502.18

-2,406

8.6%

2,389

495.22

-2,360

7.8%

1,740

500.99

-1,081

5.7%

1,600

493.10

-1,600

5.2%

1,597

493.02

-1,337

5.2%

1,267

495.80

-1,217

4.1%

820

500.02

-700

2.7%

700

501.00

-700

2.3%

640

500.52

-630

2.1%

576

504.12

-536

1.9%

530

497.73

-430

1.7%

518

497.37

-18

1.7%

345

500.00

-145

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	736,177	2,642,682	2,078,791	0	-72.14%
Money at Call & Short Notice	1,970,256	392,500	379,828	0	+401.98%
Due from NRB	1,970,256	392,500	379,828	0	+401.98%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	6,177,969	5,984,318	7,019,907	0	+3.24%
Loans & Advances to B/FIs	189,035	107,445	679,842	0	+75.94%
Loans & Advances to Customers	5,988,934	5,876,872	6,340,065	0	+1.91%
Investments
Investment Securities	1,285,616	975,254	988,843	0	+31.82%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	565,241	435,454	390,435	0	+29.80%
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	44,439	110,037	68,227	0	-59.61%
Deferred Tax Assets	139,857	136,903	166,875	0	+2.16%
Goodwill and Intangible Assets	2,894	1,905	2,930	0	+51.89%
Property & Equipment	148,107	143,086	175,463	0	+3.51%
Other Assets	282,657	283,997	259,805	0	-0.47%
Total Assets	11,166,024	10,857,291	11,293,070	0	+2.84%
Liabilities
Borrowings & Funding
Borrowings	137,842	45,385	184,638	0	+203.72%
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	137,842	45,385	184,638	0	+203.72%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	9,381,823	9,429,107	9,525,533	0	-0.50%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	193,118	146,382	182,997	0	+31.93%
Other Liabilities & Provisions	193,118	146,382	182,997	0	+31.93%
Total Liabilities	9,712,782	9,620,874	9,893,168	0	+0.96%
Equity
Paid Up Capital	867,994	867,994	867,994	0	0.00%
Share Premium	22,399	22,399	22,399	0	0.00%
Reserves & Surpluses
Reserves	1,011,279	918,402	1,016,965	0	+10.11%
Reserves & Surpluses	585,247	368,424	531,908	0	+58.85%
Retained Earnings	-448,431	-572,378	-507,456	0	+21.65%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,453,241	1,236,417	1,399,902	0	+17.54%
Total Liabilities & Equity	11,166,024	10,857,291	11,293,070	0	+2.84%

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%
GMFIL	418	-0.8	-0.19%	0	0.06	157.55	66.24%	5.29	4.56	4.56	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	1.44	94.06	7.43	0.46	0.46%	2.93	2.93%
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	470.91	0.21	-0%	0	0.066	121.54	72.94%	-44.55	8.63	9.22	177.23	4.31	3.89	11.45	11.3%	4.485	300.73	4.492	61.085	9.299	0.74	0.88%	16.03	17.06%
MED	461	0.24	0.05%	0	0.07	121.96	70.07%	6.86	6.88	8.09	143.18	4.37	3.53	11.52	6.41%	4.51	66.15	1.2	53.31	7.435	0.75	0.93%	7.22	7.29%
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%