Himalayan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 875.00

NPR 00.00%

08:58 AM NPT · Jun 26, 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.

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Trading

Open

884.00

High

884.80

Low

860.00

Prev Close

875.00

Volume

1,808

Turnover

Rs 1,557,184.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

31.68

EPS TTM

34.99

BVPS

178.01

P/E Ann.

27.62

P/E TTM

25.01

Graham #

356.21

Capital

Mkt Cap

2.8 Arab

Total

31.98 Lakh

Public

15.67 Lakh

Promoter

16.31 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

42.98

ADX

11.67

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

884.72

SMA 50

890.11

Bands & Channels

BB Width %

4.48%

Volume & Flow

OBV

1,180,260

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

4,239

Shares Bought

Total Sell

4,239

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

2,027

Amount

1,761,900

Avg Rate

869.22

Rank

#35

Brokers

#53#8

Distributors

Quantity

1,993

Amount

1,734,366

Avg Rate

870.23

Rank

#36

Brokers

#42#57#28

Net Flow Impact:

+34units

(Rs. 27,534)

Net Flow by Timeframe

HLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 7,266 ]

Buy Side

Total: 3,707

Broker

QTY

AVG

NET

1,359

861.31

+959

32.1%

668

885.29

+668

15.8%

100

485

862.10

+475

11.4%

400

885.39

+400

9.4%

232

867.82

+189

5.5%

152

866.00

+152

3.6%

130

881.68

+60

3.1%

866.28

+43

2.0%

870.00

+50

1.2%

873.00

+50

1.2%

863.00

+31

0.7%

888.00

+14

0.6%

862.50

+18

0.4%

860.00

+10

0.2%

870.00

+10

0.2%

Sell Side

Total: 3,559

Broker

QTY

AVG

NET

918

861.53

-918

21.7%

565

872.00

-565

13.3%

510

883.93

-480

12.0%

317

885.36

-240

7.5%

302

860.20

-130

7.1%

271

875.89

-271

6.4%

220

866.96

-13

5.2%

100

860.00

-90

2.4%

888.90

-83

2.0%

862.56

-64

1.8%

883.50

-70

1.6%

870.19

-43

1.3%

870.29

-24

0.7%

880.00

-24

0.6%

862.49

-21

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	341,086	319,818	319,818	0	+6.65%
Reserves and Surplus	266,064	189,469	150,461	0	+40.43%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	3,700,673	3,427,520	3,222,828	0	+7.97%
Deposits	1,220,663	1,039,652	929,477	0	+17.41%
Income Tax Liabilities	0.00	22924.96	0.00	0	-100.00%
Other Liabilities	222,418	204,142	160,678	0	+8.95%
Total Capital & Liabilities	5,750,905	5,203,527	4,783,263	0	+10.52%
Assets
Cash and Bank Balance	641,818	228,746	626,066	0	+180.58%
Money at Call & Short Notice	15,603	0	0	0	-
Investments	1,200	1,200	0	0	0.00%
Loan and Advances	5,016,963	4,871,517	4,094,427	0	+2.99%
Fixed Assets	41,412	49,866	34,040	0	-16.95%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	33,909	52,198	28,730	0	-35.04%
Total Assets	5,750,905	5,203,527	4,783,263	0	+10.52%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)%
ACLBSL	939	-16.04	-1.68%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,070	-14.97	-1.38%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,894	-5.9	-0.1%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,060	+0.11	+0.01%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	910.7	-0.27	-0.03%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,432.9	-29.69	-2.03%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	830	-3.42	-0.41%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,235	-42.15	-3.3%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	770	-2.01	-0.26%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	990	-5.98	-0.6%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,800	-35.05	-1.91%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,226.2	-16.78	-1.35%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
ILBS	890.1	-17.89	-1.97%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,261	+4.02	+0.32%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,031	+13.03	+1.28%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	821	-98.99	-10.76%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	923	0	0%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	850	-9.02	-1.05%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	710.9	-1.07	-0.15%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,167.9	-0.12	-0.01%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	5.34	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,258.29	-12.75	-1.15%	0.01	0.122	203.43	137.27%	7.42	31.56	34.95	389.01	7.59	7.47	16.49	11.73%	8.585	55.99	1.276	46.707	13.184	2	2.23%	16.42	18.29%
MED	1,010.5	-4.66	-0.33%	0	0.13	175.06	111.88%	7.08	31.35	35.86	386.39	7.86	7.66	16.88	10.53%	8.12	45.99	0.55	31.655	10.16	2.17	2.41%	14.54	18.6%
MAX	5,894	13.03	1.28%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	710.9	-98.99	-10.76%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%