Himalayan Laghubitta Bittiya Sanstha Limited
NPR 870.00
09:14 AM NPT · Nov 6, 2026
Est. 2067-12-01 B.S. (Licensed by NRB in 2069 B.S. and began operations on 2069-03-21) · Chabahil, Kathmandu, Nepal · CEO: Binod Acharya
Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) is a Nepalese micro-finance institution (class D) established to provide financial services to underserved populations, especially in rural and semi-urban areas, with a focus on micro-credit, savings, and financial inclusion. HLBSL was incorporated as a public limited company under the Companies Act on 1st Chaitra 2067 B.S. (around March 2011 A.D.). The institution obtained its microfinance license from the central bank (as a “D-class financial institution”) in 2069 B.S., and began operations on 21 Ashad 2069 (5 July 2012). Its registered head office is located in Chabahil, Kathmandu, Nepal. HLBSL is a subsidiary of Himalayan Bank Limited leveraging the parent bank’s institutional strength while focusing on microfinance and financial inclusion. Over the years, HLBSL has grown its branch and client network significantly. As of the most recent disclosures, it serves tens of thousands of clients/members and has a broad network of branches across many districts offering micro-loans, savings, group lending, and services targeted at low-income households, rural entrepreneurs, women, and small businesses. The institution aims to support livelihoods, promote small-scale enterprise, and contribute to rural economic development by providing accessible credit and savings services to those often excluded from mainstream banking.
Trading
Open
853.10
High
877.00
Low
853.10
Prev Close
879.00
Volume
1,195
Turnover
Rs 1,021,162.9
Txns
0
Valuation · Q4 FY25/26
EPS Ann.
31.26
EPS TTM
31.26
BVPS
185.53
P/E Ann.
27.83
P/E TTM
27.83
Graham #
361.24
Capital
Mkt Cap
2.97 Arab
Total
34.11 Lakh
Public
16.71 Lakh
Promoter
17.4 Lakh
Technical Analysis
Indicator Signals
MACD
BuyRSI
NeutralSuperTrend
Strong SellTrend Analysis
Direction
UptrendStrength
Very StrongMomentum
RSI (14)
50.11
ADX
40.25
Overall Score
Technical Score
Moving Averages
SMA 20
867.27
SMA 50
868.45
Bands & Channels
BB Width %
4.08%
Volume & Flow
OBV
1,167,773
Flow Analysis
[ Live 2026-11-06 ]
Total Buy
9,927
Shares Bought
Total Sell
9,927
Shares Sold
Net Flow
0
Net Accumulation
Active Brokers
41
Participating
ACCUM/DIST
Accumulation 67%
Distribution 33%
Accumulators
2Quantity
5,063
Amount
4,378,696
Avg Rate
864.84
Rank
#14
Brokers
Distributors
2Quantity
2,501
Amount
2,158,978
Avg Rate
863.25
Rank
#31
Brokers
Net Flow Impact:
+2,562unitsNet Flow by Timeframe
HLBSL — Broker Breakdown (7D)
[ Vol: 18,403 ]
Buy Side
Total: 9,684Broker
QTY
AVG
NET
%
Sell Side
Total: 8,719Broker
QTY
AVG
NET
%
Financial Fundamentals
Sector Peers — Microfinance (30)
Peer Comparison
Microfinance 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)% | |
ACLBSL | 817.5 | -15.66 | -1.88% | 0 | 0.14 | 180.9 | 188.13% | 7.96 | 27.79 | 27.79 | 336.32 | 9.04 | 8.24 | 12.44 | 6.01% | 5.15 | 33.54 | 3.99 | 32.13 | 4.17 | 1.68 | 1.68% | 16.48 | 16.48% |
ADLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
AKBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ALBSL | 1,169.6 | -2.34 | -0.2% | 0.01 | 0.13 | 174.67 | 114% | 7.78 | 32.63 | 32.63 | 358.1 | 8.56 | 7.25 | 17.03 | 8.57% | 6.01 | 32.18 | 2.55 | 36.47 | 5.48 | 2.23 | 2.23% | 19.62 | 19.62% |
ANLB | 4,899.3 | +30.19 | +0.62% | 0 | 0.11 | 362.38 | - | 5.73 | 69.71 | 69.71 | 753.91 | - | 7.65 | 26.79 | 10.78% | 19.87 | 103.29 | 3.24 | 71.8 | 27.67 | 3.07 | 3.07% | 19.94 | 19.94% |
AVYAN | 1,020 | +2.04 | +0.2% | 0 | 0.14 | 158.75 | 111.65% | 8.35 | 57.04 | 57.04 | 451.38 | 8.37 | 8.5 | 27.5 | 7.41% | 6.56 | 18.27 | 0.16 | 18.65 | 5.02 | 3.86 | 3.86% | 39.92 | 39.92% |
BPW | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
CBBL | 987 | -2.77 | -0.28% | 0.04 | 0.12 | 251.06 | 95.51% | 5.35 | 35.91 | 35.91 | 450.39 | 6.23 | 5.32 | 19.33 | 2.3% | 3.67 | 25.68 | - | 26.73 | 4.96 | 2.37 | 2.37% | 14.96 | 14.96% |
CYCL | 1,362 | +10.41 | +0.77% | 0 | 0.12 | 357.75 | 112.53% | 6.62 | 110.66 | 110.66 | 943.79 | 7.91 | 6.61 | 33.9 | 14.04% | 3.71 | 12 | 0.09 | 13.46 | 4.07 | 4.02 | 4.02% | 34.85 | 34.85% |
DDBL | 862.5 | -4.51 | -0.52% | 0.02 | 0.13 | 226.87 | 112.67% | 5.38 | 48.15 | 48.15 | 495.77 | 7.76 | 7.42 | 26.83 | 6.49% | 3.75 | 17.65 | 0.59 | 17.94 | 4.74 | 3.48 | 3.48% | 23.1 | 23.1% |
DLBS | 1,039 | 0 | 0% | 0 | 0.12 | 150.57 | 45.18% | 11.27 | 15.72 | 15.72 | 230.77 | 7.98 | 6.58 | 7.08 | 20.52% | 8.03 | 76.91 | 2.01 | 75.32 | 5.45 | 0.82 | 0.82% | 9.82 | 9.82% |
FMDBL | 718 | +2 | +0.28% | 0.01 | 0.06 | 137.26 | 123.87% | 2.09 | 14.18 | 14.18 | 209.27 | 1.36 | 4.04 | 47.12 | 2.88% | 6.27 | 60.65 | 1.2 | 53.67 | 28.58 | 3.06 | 3.06% | 10.56 | 10.56% |
FOWAD | 900.1 | +5.1 | +0.57% | 0.01 | 0.13 | 278.57 | 115.92% | 6.23 | 52.14 | 52.14 | 571.67 | 7.56 | 6.59 | 21.07 | 16.17% | 3.51 | 18.78 | 0.02 | 17.51 | 3.96 | 2.69 | 2.69% | 19.74 | 19.74% |
GBLBS | 641.3 | -10.23 | -1.57% | 0.01 | 0.14 | 295.18 | 25.3% | 4.49 | 40 | 36.73 | 493.91 | 8.13 | 9.36 | 18.98 | 4.94% | 3.55 | 19.63 | 1 | 21.24 | 6.63 | 2.61 | 2.4% | 14 | 12.85% |
GGBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
GILB | 1,127.6 | +17.54 | +1.58% | 0.01 | 0.14 | 242.58 | 270.5% | 6.57 | 61.87 | 61.87 | 581.11 | 8.81 | 8.56 | 25.61 | 8.7% | 4.37 | 17.13 | 0.3 | 18.4 | 4.39 | 3.6 | 3.6% | 27.61 | 27.61% |
GLBSL | 1,440 | -39.05 | -2.64% | 0 | 0.14 | 169.51 | 352.61% | 9.34 | 31.11 | 31.11 | 344.46 | 8.49 | 8.14 | 13.37 | 8.09% | 10.41 | 56.7 | - | 55.45 | 7.58 | 1.87 | 1.87% | 20.28 | 20.28% |
GMFBS | 1,039 | +9.98 | +0.97% | 0 | 0.12 | 158 | 105.93% | 9.42 | 28.68 | 28.68 | 319.31 | 8.51 | 7.16 | 13.91 | 13.79% | 7.52 | 41.42 | 17.08 | 38.95 | 5.77 | 1.68 | 1.68% | 17.09 | 17.09% |
ILBS | 965 | +24.91 | +2.65% | 0 | 0.13 | 161.73 | 120.99% | 6.56 | 36.66 | 36.66 | 365.24 | 8.82 | 8.07 | 22.62 | 12.92% | 5.34 | 23.57 | 0.31 | 29.05 | 5.33 | 2.89 | 2.89% | 23.03 | 23.03% |
JALPA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
JBLB | 1,289 | +7.94 | +0.62% | 0.02 | 0.13 | 279.95 | 125.1% | 6 | 61.8 | 61.8 | 623.92 | 7.19 | 7.21 | 25.61 | 5.33% | 4.47 | 20.23 | 0.73 | 20.58 | 5.18 | 3.34 | 3.34% | 24.42 | 24.42% |
JSLBB | 923.4 | +10.41 | +1.14% | 0 | 0.12 | 175.1 | 110.76% | 7.07 | 10.7 | 10.7 | 205.32 | 5.31 | 6.51 | 6.47 | 17.14% | 5.71 | 93.36 | 3.8 | 92.34 | 6.04 | 0.75 | 0.75% | 6.42 | 6.42% |
KLBS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KLBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KMCDB | 775.1 | +0.08 | +0.01% | 0 | 0.13 | 178.73 | 114.65% | 6.22 | 27.4 | 27.4 | 331.94 | 8.66 | 8.3 | 16.52 | 9.78% | 4.32 | 28.2 | 9.34 | 31.39 | 4.66 | 2.21 | 2.21% | 15.73 | 15.73% |
LLBS | 813.9 | +0.89 | +0.11% | 0 | 0.13 | 204.16 | 194.11% | 7.17 | 24.2 | 24.2 | 333.41 | 9.54 | 7.1 | 12.32 | 11.93% | 4.51 | 38.01 | 0.08 | 35.99 | 4.68 | 1.59 | 1.59% | 13.24 | 13.24% |
MATRI | 709.8 | +9.18 | +1.31% | 0 | 0.12 | 145.42 | 114.29% | 12.35 | 45.13 | 45.13 | 384.27 | 7.95 | 6.32 | 18.68 | 26.61% | 5.77 | 18.59 | 0.03 | 16.37 | 3.47 | 2.3 | 2.3% | 27.46 | 27.46% |
MERO | 631.9 | +2.02 | +0.32% | 0.01 | 0.11 | 149.87 | 87.82% | 8.3 | 8.47 | 8.47 | 169 | 8.37 | 5.92 | 6.22 | 17.32% | 4.47 | 79.1 | - | 72.26 | 4.92 | 0.69 | 0.69% | 5.63 | 5.63% |
MKLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
MLBBL | 920 | 0 | 0% | 0 | 0.12 | 167.93 | 237.58% | 7.88 | 20.07 | 20.07 | 275.38 | 7.03 | 6.92 | 11.91 | 9.89% | 6.65 | 55.66 | - | 49.48 | 6.63 | 1.38 | 1.38% | 11.97 | 11.97% |
| AVG | 1,138.68 | 2.64 | 0.18% | 0.01 | 0.124 | 209.41 | 137.1% | 7.19 | 39.09 | 38.94 | 419.48 | 7.69 | 7.17 | 19.61 | 10.98% | 6.074 | 40.48 | 2.584 | 38.417 | 7.245 | 2.37 | 2.36% | 18.9 | 18.85% |
| MED | 944.2 | 2.01 | 0.24% | 0 | 0.13 | 176.92 | 114.29% | 6.85 | 34.27 | 34.27 | 361.67 | 8.13 | 7.19 | 18.83 | 9.84% | 5.245 | 30.19 | 0.865 | 31.76 | 5.1 | 2.34 | 2.34% | 18.36 | 18.36% |
| MAX | 4,899.3 | 30.19 | 2.65% | 0.04 | 0.14 | 362.38 | 352.61% | 12.35 | 110.66 | 110.66 | 943.79 | 9.54 | 9.36 | 47.12 | 26.61% | 19.87 | 103.29 | 17.08 | 92.34 | 28.58 | 4.02 | 4.02% | 39.92 | 39.92% |
| MIN | 631.9 | -39.05 | -2.64% | 0 | 0.06 | 137.26 | 25.3% | 2.09 | 8.47 | 8.47 | 169 | 1.36 | 4.04 | 6.22 | 2.3% | 3.51 | 12 | 0.02 | 13.46 | 3.47 | 0.69 | 0.69% | 5.63 | 5.63% |