Himalayan Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 870.00

NPR -9-1.02%

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

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

50.11

ADX

40.25

Overall Score

50
Below Line

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

2

Quantity

5,063

Amount

4,378,696

Avg Rate

864.84

Rank

#14

Brokers

#100#60

Distributors

2

Quantity

2,501

Amount

2,158,978

Avg Rate

863.25

Rank

#31

Brokers

#14#50

Net Flow Impact:

+2,562units
(Rs. 2,219,718)

Net Flow by Timeframe

HLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 18,403 ]

Buy Side

Total: 9,684

Broker

QTY

AVG

NET

%

60

2,652

862.22

+1,952

26.7%

100

2,411

867.73

+2,411

24.3%

47

959

859.95

+930

9.7%

66

623

866.95

+623

6.3%

45

600

848.33

+590

6.0%

38

594

862.53

+594

6.0%

42

530

854.57

+414

5.3%

58

290

863.80

+93

2.9%

6

273

871.98

+273

2.8%

28

202

845.94

+202

2.0%

43

170

853.09

+160

1.7%

29

150

856.25

+150

1.5%

52

100

853.10

+100

1.0%

41

70

855.31

+60

0.7%

44

60

863.32

+39

0.6%

Sell Side

Total: 8,719

Broker

QTY

AVG

NET

%

14

1,252

868.89

-1,252

12.6%

50

1,249

857.59

-1,249

12.6%

13

1,148

854.05

-1,148

11.6%

40

1,010

850.78

-1,010

10.2%

63

1,010

859.65

-1,010

10.2%

21

619

862.53

-604

6.2%

62

520

877.19

-520

5.2%

74

478

853.53

-478

4.8%

48

417

867.08

-417

4.2%

57

301

866.82

-301

3.0%

34

275

869.99

-219

2.8%

7

219

864.60

-219

2.2%

10

111

855.33

-92

1.1%

36

60

875.00

-60

0.6%

11

50

867.80

-38

0.5%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital0319,818319,81800.00%
Reserves and Surplus0227,977145,2300+56.98%
Debentures and Bonds00.000.000-
Borrowings4,008,5453,828,1042,602,6980+4.71%
Deposits01,104,751904,2800+22.17%
Income Tax Liabilities00.000.000-
Other Liabilities233,463208,743162,7430+11.84%
Total Capital & Liabilities05,689,3934,134,7680+37.60%
Assets
Cash and Bank Balance0662,587301,0150+120.12%
Money at Call & Short Notice00.000.000-
Investments01,20000-
Loan and Advances04,924,6903,765,7880+30.77%
Fixed Assets045,77440,6640+12.57%
Non Banking Assets00.000.000-
Other Assets42,41755,14127,3010-23.08%
Total Assets6,146,9835,689,3934,134,7680+8.04%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

817.5-15.66-1.88%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.543.9932.134.171.681.68%16.4816.48%

ADLB

------------------------

AKBSL

------------------------

ALBSL

1,169.6-2.34-0.2%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,899.3+30.19+0.62%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,020+2.04+0.2%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

------------------------

CBBL

987-2.77-0.28%0.040.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,362+10.41+0.77%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

862.5-4.51-0.52%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,03900%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

718+2+0.28%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900.1+5.1+0.57%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

641.3-10.23-1.57%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

------------------------

GILB

1,127.6+17.54+1.58%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,440-39.05-2.64%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,039+9.98+0.97%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

ILBS

965+24.91+2.65%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

------------------------

JBLB

1,289+7.94+0.62%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

923.4+10.41+1.14%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

------------------------

KLBSL

------------------------

KMCDB

775.1+0.08+0.01%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

813.9+0.89+0.11%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

709.8+9.18+1.31%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

631.9+2.02+0.32%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

------------------------

MLBBL

92000%00.12167.93237.58%7.8820.0720.07275.387.036.9211.919.89%6.6555.66-49.486.631.381.38%11.9711.97%
AVG1,138.682.640.18%0.010.124209.41137.1%7.1939.0938.94419.487.697.1719.6110.98%6.07440.482.58438.4177.2452.372.36%18.918.85%
MED944.22.010.24%00.13176.92114.29%6.8534.2734.27361.678.137.1918.839.84%5.24530.190.86531.765.12.342.34%18.3618.36%
MAX4,899.330.192.65%0.040.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN631.9-39.05-2.64%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum