ICFC Finance Limited

FinanceHigh Cap

NPR 620.40

NPR -14.7-2.31%

09:14 AM NPT · May 12, 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

636.10

High

636.10

Low

620.40

Prev Close

635.10

Volume

12,376

Turnover

Rs 7,771,410

Txns

Valuation · Q2 FY25/26

EPS Ann.

5.41

EPS TTM

22.63

BVPS

170.19

P/E Ann.

114.68

P/E TTM

27.41

Graham #

143.93

Capital

Mkt Cap

7.34 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

Weak

Momentum

RSI (14)

48.81

ADX

17.78

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

628.99

SMA 50

646.57

Bands & Channels

BB Width %

6.02%

Volume & Flow

OBV

8,345,564

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

33,031

Shares Bought

Total Sell

33,031

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

11,110

Amount

6,955,840

Avg Rate

626.09

Rank

Brokers

#75#56#74#6

Distributors

Quantity

12,462

Amount

7,814,950

Avg Rate

627.10

Rank

Brokers

#49#71#53

Net Flow Impact:

-1,352units

(Rs. -859,110)

Net Flow by Timeframe

ICFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 46,156 ]

Buy Side

Total: 22,362

Broker

QTY

AVG

NET

4,526

629.01

+2,286

13.7%

3,060

623.07

+3,060

9.3%

2,465

629.09

+533

7.5%

2,070

624.71

+1,166

6.3%

2,024

620.82

+1,824

6.1%

1,500

630.53

+1,280

4.5%

1,086

634.87

+936

3.3%

811

626.37

+611

2.5%

757

632.05

+363

2.3%

751

630.05

+729

2.3%

740

622.70

+740

2.2%

720

631.07

+720

2.2%

632

624.36

+352

1.9%

630

624.68

+530

1.9%

590

629.56

+190

1.8%

Sell Side

Total: 23,794

Broker

QTY

AVG

NET

5,200

624.23

-4,281

15.7%

4,057

628.90

-3,957

12.3%

3,205

629.49

-2,905

9.7%

2,633

626.59

-1,524

8.0%

2,465

631.15

-853

7.5%

2,020

620.43

-1,825

6.1%

1,178

632.98

-1,178

3.6%

705

621.15

-605

2.1%

550

620.27

-550

1.7%

506

630.47

-83

1.5%

350

625.14

-350

1.1%

330

631.58

-310

1.0%

216

633.95

-56

0.7%

200

628.00

-35

0.6%

179

632.20

-179

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	916,290,156	855,784,849	734,757,846	1,126,796,513	+7.07%
Money at Call & Short Notice	2,092,042,378	2,862,378,411	805,663,176	809,049,670	-26.91%
Due from NRB	2,092,042,378	2,862,378,411	805,663,176	809,049,670	-26.91%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	17,371,930,836	15,524,010,797	14,323,804,034	14,265,562,171	+11.90%
Loans & Advances to B/FIs	669,764,578	642,944,087	549,288,454	418,054,932	+4.17%
Loans & Advances to Customers	16,702,166,258	14,881,066,710	13,774,515,580	13,847,507,239	+12.24%
Investments
Investment Securities	4,303,711,702	2,013,730,318	4,372,408,940	5,192,613,885	+113.72%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	50,856,686	22,266,811	4,271,523	4,271,523	+128.40%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	38,694,818	27,464,242	8,241,424	41,138,570	+40.89%
Deferred Tax Assets	1,736,262	0	2,419,574	0	-
Goodwill and Intangible Assets	4,690,630	2,181,090	2,709,382	4,093,341	+115.06%
Property & Equipment	347,882,003	373,121,923	424,898,928	470,391,369	-6.76%
Other Assets	120,999,286	123,788,501	147,125,182	126,949,995	-2.25%
Total Assets	25,248,834,757	21,804,726,943	20,826,300,009	22,040,867,038	+15.80%
Liabilities
Borrowings & Funding
Borrowings	1,513,253,583	576,250,535	360,069,027	773,196,453	+162.60%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	498,831,492	199,861,674	199,569,529	199,450,107	+149.59%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	740,922,091	376,388,861	160,499,498	173,746,346	+96.85%
Due to NRB	273,500,000	0	0	400,000,000	-
Deposits	21,464,593,324	18,898,071,620	18,283,268,942	18,819,839,659	+13.58%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	10239055.00	0.00	26713228.00	-100.00%
Other Liabilities	256,803,466	353,479,339	363,058,099	673,317,136	-27.35%
Other Liabilities & Provisions	256,803,466	363,718,394	363,058,099	700,030,364	-29.39%
Total Liabilities	23,234,650,373	19,838,040,549	19,006,396,068	20,293,066,475	+17.12%
Equity
Paid Up Capital	1,183,470,960	1,183,470,960	1,183,470,960	1,183,470,960	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	859,017,547	738,291,915	669,839,870	616,029,699	+16.35%
Reserves & Surpluses	830,713,424	783,215,435	636,432,981	564,329,603	+6.06%
Retained Earnings	-28,304,123	44,923,520	-33,406,889	-51,700,096	-163.01%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	2,014,184,384	1,966,686,394	1,819,903,941	1,747,800,563	+2.42%
Total Liabilities & Equity	25,248,834,757	21,804,726,943	20,826,300,009	22,040,867,038	+15.80%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
BFC	456	-11.98	-2.56%	0	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	502.9	-6.01	-1.18%	0	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GFCL	625	-3.01	-0.48%	0.01	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GMFIL	458.5	-13.5	-2.86%	0	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	522	-15.92	-2.96%	0	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
JFL	409	-6.02	-1.45%	0	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	796	-1.04	-0.13%	-	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	612	+2.01	+0.33%	-	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	574	-4.98	-0.86%	0	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PFL	378	-4.71	-1.23%	0	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	438	-10.91	-2.43%	0	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	430.5	-11.4	-2.58%	0	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	378	-2.01	-0.53%	-	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	537	-7.02	-1.29%	0.01	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	508.35	-6.89	-1.44%	0	0.068	118.89	72.34%	6.7	9.09	193.8	4.38%	3.79%	13.94%	7.47%	8.669	272.537	2.216	283.289	-57.626	42.608	0.47%	0.9%	6.4%	5.89%
MED	480.7	-6.01	-1.26%	0	0.07	116.12	71.29%	2.95	6.69	169.85	4.57%	3.53%	8.7%	5.67%	8.69	89.055	0.045	91.545	31.535	28.385	0.36%	0.67%	2.71%	4.56%
MAX	796	2.01	0.33%	0.01	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	378	-15.92	-2.96%	0	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	2.48%	3.64%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	17.49	-3.42%	-4.91%	-18%	-120.61%