Janaki Finance Company Limited

FinanceLow Cap

NPR 400.20

NPR -0.8-0.20%

09:14 AM NPT · Jun 29, 2026

Est. 1994 A.D. (2051 B.S.) · Janakpurdham, Dhanusha, Nepal · CEO: Dinesh Sharma

Janaki Finance Limited (JFL) is a national-level finance company in Nepal licensed by Nepal Rastra Bank (NRB) as a “C-class” financial institution. Established to provide accessible and customer-focused financial services, JFL has gradually expanded its footprint across Province-2 and other regions, becoming one of the more recognized finance companies in Nepal’s growing financial sector. Headquartered in Janakpur, Dhanusha, the company serves a diverse customer base, including small entrepreneurs, salaried individuals, traders, and rural communities.Janaki Finance offers a wide range of financial products such as savings deposits, fixed deposits, micro-enterprise loans, business loans, hire-purchase loans, housing loans, and digital-banking facilities designed to meet the financial needs of both urban and semi-urban populations. Over the years, JFL has strengthened its service quality by expanding branches, digital platforms, and customer-support systems to enhance accessibility and convenience.As a publicly listed company on the Nepal Stock Exchange (NEPSE) under the ticker JFL, it follows strict regulatory compliance, financial transparency, and corporate governance practices. The company’s strategic focus includes improving customer experience, promoting financial literacy, adopting new technologies, and supporting entrepreneurship and local economic development. JFL continues to play a key role in regional economic upliftment by bridging financial gaps and offering reliable, affordable financial solutions.

jfcjanakpur.com.np/facebook

Trading

Open

401.00

High

401.00

Low

399.00

Prev Close

401.00

Volume

7,025

Turnover

Rs 2,810,808

Txns

Valuation · Q3 FY25/26

EPS Ann.

-5.62

EPS TTM

-15.65

BVPS

-6.46

P/E Ann.

-71.21

P/E TTM

-25.57

Graham #

28.58

Capital

Mkt Cap

2.76 Arab

Total

69.05 Lakh

Public

33.83 Lakh

Promoter

35.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

26.04

ADX

30.57

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

410.29

SMA 50

411.32

Bands & Channels

BB Width %

8.4%

Volume & Flow

OBV

7,613,515

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

30,923

Shares Bought

Total Sell

30,923

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

10,909

Amount

4,379,793

Avg Rate

401.48

Rank

#12

Brokers

#58#6#57

Distributors

Quantity

6,890

Amount

2,765,256

Avg Rate

401.34

Rank

#13

Brokers

#60#43#42

Net Flow Impact:

+4,019units

(Rs. 1,614,537)

Net Flow by Timeframe

JFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 44,690 ]

Buy Side

Total: 23,096

Broker

QTY

AVG

NET

6,498

400.38

+5,642

21.0%

2,382

401.94

+1,272

7.7%

2,351

402.65

+1,992

7.6%

2,060

403.64

+2,010

6.7%

1,541

402.96

+1,541

5.0%

1,394

400.87

+444

4.5%

1,061

401.11

+631

3.4%

1,000

401.00

+700

3.2%

920

404.11

+820

3.0%

870

400.82

+870

2.8%

798

404.26

+498

2.6%

675

400.17

+525

2.2%

570

402.00

+404

1.8%

496

400.88

+296

1.6%

480

400.99

+480

1.6%

Sell Side

Total: 21,594

Broker

QTY

AVG

NET

2,793

400.66

-1,718

9.0%

2,201

400.50

-2,201

7.1%

1,896

403.32

-1,896

6.1%

1,699

399.93

-1,479

5.5%

1,630

403.23

-1,030

5.3%

1,591

400.73

-1,478

5.2%

1,527

404.35

-1,000

4.9%

1,400

402.71

-1,389

4.5%

1,200

400.64

-1,200

3.9%

1,168

400.45

-93

3.8%

972

401.04

-972

3.1%

907

400.57

-577

2.9%

900

401.22

-900

2.9%

897

403.06

-677

2.9%

813

404.20

-303

2.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	651,798	1,423,050	1,683,681	0	-54.20%
Money at Call & Short Notice	124,394	172,282	163,464	0	-27.80%
Due from NRB	124,394	172,282	163,464	0	-27.80%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,400,518	2,835,750	3,230,884	0	-15.35%
Loans & Advances to B/FIs	49,649	69,601	63,748	0	-28.67%
Loans & Advances to Customers	2,350,869	2,766,148	3,167,135	0	-15.01%
Investments
Investment Securities	39,497	39,497	44,032	0	0.00%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	128,660	83,247	968	0	+54.55%
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	44,514	43,507	46,151	0	+2.31%
Deferred Tax Assets	194,269	194,269	83,022	0	0.00%
Goodwill and Intangible Assets	3,128	3,128	2,902	0	0.00%
Property & Equipment	50,922	50,922	49,694	0	0.00%
Other Assets	1,202,441	1,264,191	645,559	0	-4.88%
Total Assets	4,598,229	5,868,937	5,818,280	0	-21.65%
Liabilities
Borrowings & Funding
Borrowings	49,730	70,238	97,589	0	-29.20%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	49,730	70,238	97,589	0	-29.20%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	2,440,780	3,584,552	3,848,255	0	-31.91%
Other Liabilities
Provisions	5,235	3,684	2,793	0	+42.11%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	2,147,071	1,939,024	1,338,362	0	+10.73%
Other Liabilities & Provisions	2,152,306	1,942,707	1,341,155	0	+10.79%
Total Liabilities	4,642,816	5,597,497	5,286,999	0	-17.06%
Equity
Paid Up Capital	690,473	690,473	690,473	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	430,911	430,911	298,608	0	0.00%
Reserves & Surpluses	-735,060	-419,032	-159,191	0	-75.42%
Retained Earnings	-1,165,971	-849,944	-457,799	0	-37.18%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	-44,587	271,441	531,281	0	-116.43%
Total Liabilities & Equity	4,598,229	5,868,937	5,818,280	0	-21.65%

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)	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/E (Annualized)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	500	-12.98	-2.53%	0	0.07	112.72	68.95%	6.42	8.8	15.28	4.19	3.43	16.11	13.08%	52.92	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	616.7	-2.79	-0.45%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	4.41	4.83	7.67	14.17%	101.75	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	627	-3.02	-0.48%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	4.06	4.93	11.79	9.86%	45.04	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	465	-6.41	-1.36%	0	0.07	168.38	66.08%	4.95	6	4.05	4.59	4.49	9.33	6.37%	79.33	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	540	-5.01	-0.92%	0	0.06	157.88	72.52%	6.85	19.89	7.4	4.53	5.08	25.09	4.28%	26.9	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	615	-10	-1.6%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	4.48	3.32	7.75	2.68%	55.85	30.36	7.7	0.57	1.05%	6.68	12.29%
MFIL	775.5	-14.54	-1.84%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	4.59	4.41	13.8	3.99%	38.84	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	613.9	-1.6	-0.26%	0	0.06	119.31	59.04%	5.09	1.16	1.15	4.58	3.28	2.83	7.44%	578.45	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	576	-4	-0.69%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	4.57	3.21	-31.78	14.32%	-45.64	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	365	-0.99	-0.27%	0	0.07	63.41	66.29%	10.86	9	10.62	3.86	4.96	16.94	34.34%	43.67	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	438.3	-5.01	-1.13%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	4.46	3.61	-6.13	5.58%	-116.97	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	469	-12.92	-2.68%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	4.28	3.73	6.34	10.34%	101	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	366	-0.11	-0.03%	0	0.07	60.3	76.56%	6.62	0.12	8.35	4.58	3.56	0.38	8.09%	3,308.33	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	534	-5.99	-1.11%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	3.78	3.49	4.76	4.02%	164.5	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	535.81	-6.1	-1.1%	0.01	0.069	129.64	70.45%	7.88	6.3	9.69	4.35	4.02	6.06	9.9%	316.71	-7.235	14.975	0.44	0.89%	4.51	8.34%
MED	537	-5.01	-1.02%	0	0.07	120.86	68.76%	7.36	5.6	9	4.47	3.67	7.71	7.77%	54.39	42.08	13.16	0.54	0.82%	4.51	7.63%
MAX	775.5	-0.11	-0.03%	0.01	0.08	207.18	84.99%	12.58	21.6	26.8	4.59	5.08	25.09	34.34%	3,308.33	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	365	-14.54	-2.68%	0	0.06	60.3	58.1%	4.94	-13.52	-7.55	3.78	3.21	-31.78	2.68%	-116.97	-1,226.32	7.7	-1.96	-1.09%	-10.75	-6%