ICFC Finance Limited

FinanceHigh Cap

NPR 595.00

NPR +3.1+0.52%

09:14 AM NPT · Sep 24, 2026

Est. 2003 · Bhatbhateni, Kathmandu, Nepal · CEO: Sunil Pant

ICFC Finance Limited is a national-level Class ‘C’ financial institution licensed by Nepal Rastra Bank. Registered in 2003 under the Company Act 2053 and Bank & Finance Ordinance 2060, the company formally commenced operations on July 15, 2004. Headquartered in Bhatbhateni, Kathmandu, ICFC Finance has been established with a strong commitment to supporting Nepal’s entrepreneurial ecosystem, particularly focusing on the financial needs of small and medium enterprises (SMEs). Over the years, ICFC Finance has expanded its offerings to include a broad range of financial services while maintaining its mission to foster business growth, promote financial accessibility, and deliver reliable, customer-centric banking solutions across the country.

www.icfcbank.com/

Trading

Open

590.00

High

597.00

Low

590.00

Prev Close

591.90

Volume

4,084

Turnover

Rs 2,422,994.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

22.33

EPS TTM

22.33

BVPS

189.32

P/E Ann.

26.65

P/E TTM

26.65

Graham #

308.41

Capital

Mkt Cap

7.04 Arab

Total

1.18 Crore

Public

57.99 Lakh

Promoter

60.36 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

58.52

ADX

54.07

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

590.5

SMA 50

599.44

Bands & Channels

BB Width %

5.53%

Volume & Flow

OBV

8,319,525

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

27,953

Shares Bought

Total Sell

27,953

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

9,668

Amount

5,743,568

Avg Rate

594.08

Rank

Brokers

#4#6#21

Distributors

Quantity

8,203

Amount

4,894,493

Avg Rate

596.67

Rank

Brokers

#29#38#32

Net Flow Impact:

+1,465units

(Rs. 849,075)

Net Flow by Timeframe

ICFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,239 ]

Buy Side

Total: 22,222

Broker

QTY

AVG

NET

6,323

593.88

+4,623

22.6%

2,300

599.20

+296

8.2%

1,800

592.62

+1,800

6.4%

1,545

596.61

+1,545

5.5%

1,540

602.70

+635

5.5%

1,500

596.33

+1,500

5.4%

1,375

604.29

+1,355

4.9%

1,189

600.90

+304

4.3%

1,167

600.83

+967

4.2%

930

600.40

+60

3.3%

725

600.48

+725

2.6%

700

597.01

+700

2.5%

420

597.36

+420

1.5%

408

604.00

+308

1.5%

300

603.83

+300

1.1%

Sell Side

Total: 19,017

Broker

QTY

AVG

NET

4,598

593.45

-3,901

16.4%

2,280

599.59

-2,242

8.2%

1,998

595.75

-1,032

7.2%

1,821

592.96

-1,221

6.5%

1,325

602.83

-1,325

4.7%

1,051

604.83

-1,051

3.8%

1,000

604.00

-800

3.6%

814

596.75

-629

2.9%

810

590.19

-810

2.9%

726

604.87

-726

2.6%

596

596.11

-296

2.1%

530

605.49

-490

1.9%

500

595.01

-500

1.8%

500

591.14

-185

1.8%

468

604.26

-388

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	834,694	1,183,674	876,224	0	-29.48%
Money at Call & Short Notice	2,682,707	1,356,869	982,515	0	+97.71%
Due from NRB	2,682,707	1,356,869	982,515	0	+97.71%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	19,251,253	17,509,500	14,808,401	0	+9.95%
Loans & Advances to B/FIs	555,566	630,486	578,981	0	-11.88%
Loans & Advances to Customers	18,695,687	16,879,014	14,229,421	0	+10.76%
Investments
Investment Securities	2,914,622	3,091,102	3,781,921	0	-5.71%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	162488.83	0	-
Investment Property	43,817	17,995	4,272	0	+143.49%
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	4,758	0	39,208	0	-
Deferred Tax Assets	3,287	0	0	0	-
Goodwill and Intangible Assets	3,951	5,581	2,653	0	-29.21%
Property & Equipment	323,647	360,989	379,654	0	-10.34%
Other Assets	136,776	135,723	164,227	0	+0.78%
Total Assets	26,187,516	23,655,853	21,159,704	0	+10.70%
Liabilities
Borrowings & Funding
Borrowings	1,499,848	1,169,755	485,278	0	+28.22%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	997,288	498,851	199,704	0	+99.92%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	298,350	266,654	285,574	0	+11.89%
Due to NRB	204,210	404,250	0	0	-49.48%
Deposits	22,232,745	19,990,293	18,496,098	0	+11.22%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	4449.69	0.00	0	-100.00%
Deferred Tax Liabilities	0.00	3985.62	5196.26	0	-100.00%
Other Liabilities	214,345	301,240	272,207	0	-28.85%
Other Liabilities & Provisions	214,345	309,675	277,403	0	-30.78%
Total Liabilities	23,946,937	21,469,723	19,258,779	0	+11.54%
Equity
Paid Up Capital	1,183,471	1,183,471	1,183,471	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	915,375	762,600	670,180	0	+20.03%
Reserves & Surpluses	1,057,108	1,002,659	717,453	0	+5.43%
Retained Earnings	141,732	240,059	47,274	0	-40.96%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	2,240,579	2,186,130	1,900,924	0	+2.49%
Total Liabilities & Equity	26,187,516	23,655,853	21,159,704	0	+10.70%

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	447	+3.02	+0.68%	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	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	567.9	+0.91	+0.16%	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	43.15	9.04	1.35	1.35%	11.38	11.38%
GFCL	577	+2.01	+0.35%	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	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	421	-4.98	-1.17%	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	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	496.4	+0.4	+0.08%	0	0.06	167.43	72.62%	6.68	25.28	25.28	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	20.17	6.74	1.99	1.99%	16.31	16.31%
JFL	285	+5.89	+2.11%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	764.8	-4.23	-0.55%	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	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	588	-2.01	-0.34%	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	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	495	+8.99	+1.85%	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	351	-4.41	-1.24%	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	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	391	+7.7	+2.01%	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	424	+1.1	+0.26%	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	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	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	480.3	-0.72	-0.15%	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	475.6	0.98	0.29%	0	0.065	119.98	72.01%	-44.84	8.84	9.43	177.24	4.35	4.01	12.66	12.14%	4.495	300.37	60.587	9.504	0.8	0.94%	16.34	17.37%
MED	463.65	0.65	0.12%	0	0.065	121.96	70.07%	6.65	6.88	8.09	143.18	4.4	3.58	11.52	7.32%	4.51	66.15	53.31	7.435	0.75	0.93%	7.22	7.29%
MAX	764.8	8.99	2.11%	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	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	285	-4.98	-1.24%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	3.01%	2.8	-62.01	-56.31	4.97	-1.27	-1.27%	-6.95	-6.95%