ICFC Finance Limited

FinanceHigh Cap

NPR 625.00

NPR +4.1+0.66%

09:14 AM NPT · Jun 26, 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

617.00

High

625.00

Low

615.00

Prev Close

620.90

Volume

2,028

Turnover

Rs 1,250,327

Txns

Valuation · Q3 FY25/26

EPS Ann.

11.62

EPS TTM

21.38

BVPS

176.61

P/E Ann.

53.79

P/E TTM

29.23

Graham #

214.88

Capital

Mkt Cap

7.4 Arab

Total

1.18 Crore

Public

57.99 Lakh

Promoter

60.36 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

34.54

ADX

51.26

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

630.02

SMA 50

627.99

Bands & Channels

BB Width %

5.64%

Volume & Flow

OBV

8,363,894

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

47,470

Shares Bought

Total Sell

47,470

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

25,409

Amount

15,729,422

Avg Rate

619.05

Rank

Brokers

#4#58#42

Distributors

Quantity

21,809

Amount

13,496,315

Avg Rate

618.84

Rank

Brokers

#49#33#25

Net Flow Impact:

+3,600units

(Rs. 2,233,107)

Net Flow by Timeframe

ICFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 76,074 ]

Buy Side

Total: 40,475

Broker

QTY

AVG

NET

15,906

618.53

+11,666

33.5%

5,633

622.07

+4,599

11.9%

3,870

616.78

+3,755

8.2%

2,970

622.77

+1,920

6.3%

2,357

618.47

+2,263

5.0%

2,020

616.69

+1,100

4.3%

2,000

613.90

+1,877

4.2%

1,200

619.96

+1,140

2.5%

1,099

626.09

+1,073

2.3%

700

616.07

+700

1.5%

660

619.80

+502

1.4%

600

624.02

+500

1.3%

500

615.10

+500

1.1%

500

628.00

+500

1.1%

460

620.44

+239

1.0%

Sell Side

Total: 35,599

Broker

QTY

AVG

NET

10,225

615.14

-9,899

21.5%

6,574

620.47

-6,474

13.8%

5,010

624.25

-4,605

10.6%

2,650

616.60

-2,150

5.6%

1,400

625.04

-1,400

3.0%

1,310

616.52

-810

2.8%

1,309

620.74

-1,259

2.8%

1,047

619.78

-947

2.2%

1,036

622.11

-886

2.2%

1,027

615.12

-27

2.2%

1,000

626.00

-1,000

2.1%

903

617.39

-603

1.9%

740

616.01

-405

1.6%

710

618.58

-710

1.5%

658

623.84

-657

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	997,070	1,212,059	806,503	0	-17.74%
Money at Call & Short Notice	1,610,772	1,305,900	836,466	0	+23.35%
Due from NRB	1,610,772	1,305,900	836,466	0	+23.35%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	18,159,256	15,974,671	14,604,021	0	+13.68%
Loans & Advances to B/FIs	617,469	688,741	534,069	0	-10.35%
Loans & Advances to Customers	17,541,787	15,285,930	14,069,952	0	+14.76%
Investments
Investment Securities	4,355,797	3,038,725	4,343,245	0	+43.34%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	50,857	33,835	4,272	0	+50.31%
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	35,751	13,710	35,272	0	+160.77%
Deferred Tax Assets	2,197	4,462	2,631	0	-50.76%
Goodwill and Intangible Assets	4,308	2,456	2,328	0	+75.41%
Property & Equipment	346,688	369,268	420,098	0	-6.11%
Other Assets	165,636	136,315	188,478	0	+21.51%
Total Assets	25,686,075	22,070,773	21,203,083	0	+16.38%
Liabilities
Borrowings & Funding
Borrowings	1,639,569	1,203,167	271,439	0	+36.27%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	998,831	499,862	199,570	0	+99.82%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	508,624	420,556	71,869	0	+20.94%
Due to NRB	132,113	282,750	0	0	-53.28%
Deposits	21,688,824	18,550,804	18,820,632	0	+16.92%
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	267,499	291,515	304,936	0	-8.24%
Other Liabilities & Provisions	267,499	291,515	304,936	0	-8.24%
Total Liabilities	23,595,893	20,045,486	19,397,006	0	+17.71%
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	890,423	750,035	704,470	0	+18.72%
Reserves & Surpluses	906,712	841,816	622,606	0	+7.71%
Retained Earnings	16,289	91,781	-81,864	0	-82.25%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	2,090,183	2,025,287	1,806,077	0	+3.20%
Total Liabilities & Equity	25,686,075	22,070,773	21,203,083	0	+16.38%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	513	-2.01	-0.39%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	619.5	-5.31	-0.85%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	172.21	4.41	4.83	7.67	14.17%	6.14	101.75	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	630	-2.91	-0.46%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	211.98	4.06	4.93	11.79	9.86%	4.14	45.04	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	471.4	-3.61	-0.76%	0	0.07	168.38	66.08%	4.95	6	4.05	123.87	4.59	4.49	9.33	6.37%	3.77	79.33	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	545	-6.4	-1.16%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	78.51	12	1.6	0.59%	12.97	4.83%
JFL	401	0	0%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	790	+12.21	+1.57%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	615.5	-1.48	-0.24%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	580	-5.98	-1.02%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	366	+2	+0.55%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	443.3	-6.71	-1.49%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	481.9	-7.09	-1.45%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	243.57	4.28	3.73	6.34	10.34%	5.24	101	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	366.1	-5.39	-1.45%	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	540	-6.01	-1.1%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	525.91	-2.76	-0.59%	0	0.068	116.56	71.38%	-0.36	5.06	7.04	167.95	4.36	4.06	4.53	13.93%	6.164	307.32	-11.36	15.739	0.35	0.66%	1.6	0.66%
MED	526.5	-4.46	-0.8%	0	0.07	117.56	68.76%	6.73	4.85	7.88	162.13	4.5	3.8	7.01	8.98%	6.14	48.98	42.08	13.525	0.5	0.57%	4	4.78%
MAX	790	12.21	1.57%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.78	3,308.33	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	366	-7.09	-1.49%	0	0.05	-6.46	58.1%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	3.99%	3.77	-116.97	-1,226.32	9.45	-1.96	-2.06%	-34.19	-95.25%