ICFC Finance Limited

FinanceHigh Cap

NPR 597.00

NPR -2-0.33%

09:13 AM NPT · Aug 11, 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

614.90

High

614.90

Low

597.00

Prev Close

599.00

Volume

10,186

Turnover

Rs 6,093,437.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

11.62

EPS TTM

21.38

BVPS

176.61

P/E Ann.

51.38

P/E TTM

27.92

Graham #

214.88

Capital

Mkt Cap

7.07 Arab

Total

1.18 Crore

Public

57.99 Lakh

Promoter

60.36 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

32.5

ADX

20.46

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

610.23

SMA 50

616.16

Bands & Channels

BB Width %

6.3%

Volume & Flow

OBV

8,328,253

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

29,813

Shares Bought

Total Sell

29,813

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

12,097

Amount

7,254,141

Avg Rate

599.66

Rank

Brokers

#71#21#39#16

Distributors

Quantity

10,978

Amount

6,578,199

Avg Rate

599.22

Rank

Brokers

#58#42

Net Flow Impact:

+1,119units

(Rs. 675,941)

Net Flow by Timeframe

ICFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 48,083 ]

Buy Side

Total: 22,784

Broker

QTY

AVG

NET

5,000

597.00

+5,000

16.8%

3,770

601.57

+3,420

12.7%

2,021

599.03

+1,311

6.8%

1,780

599.61

+1,680

6.0%

1,547

603.70

+1,537

5.2%

1,200

601.64

+1,060

4.0%

1,190

601.00

+1,190

4.0%

1,180

601.04

+1,180

4.0%

1,005

603.79

+478

3.4%

847

601.13

+457

2.8%

830

604.01

+560

2.8%

786

599.37

+586

2.6%

600

608.00

+51

2.0%

515

602.83

+515

1.7%

513

604.84

+353

1.7%

Sell Side

Total: 25,299

Broker

QTY

AVG

NET

5,655

599.27

-4,285

19.0%

5,323

599.16

-4,768

17.9%

2,800

601.45

-2,800

9.4%

2,110

601.08

-1,810

7.1%

1,622

603.17

-1,432

5.4%

1,310

599.06

-1,165

4.4%

1,294

600.57

-943

4.3%

1,045

600.52

-675

3.5%

1,000

601.05

-902

3.4%

681

599.12

-681

2.3%

600

607.15

-600

2.0%

571

601.49

-261

1.9%

500

595.34

-500

1.7%

490

604.90

-490

1.6%

298

603.72

-278

1.0%

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	492	-2.62	-0.53%	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	658	+1.51	+0.23%	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	602	+1.98	+0.33%	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	457	0	0%	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	573	+12.61	+2.25%	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	386.9	-1.09	-0.28%	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	761	-10.96	-1.42%	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	623.6	+7.58	+1.23%	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	560.2	-3.89	-0.69%	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	364	0	0%	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	416	-3.02	-0.72%	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	446	-0.98	-0.22%	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	370	-4.99	-1.33%	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	505.6	+2.62	+0.52%	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	515.38	-0.09	-0.05%	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	498.8	-0.49	-0.11%	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	761	12.61	2.25%	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	364	-10.96	-1.42%	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%