Janaki Finance Company Limited

FinanceLow Cap

NPR 274.20

NPR -3.8-1.37%

09:14 AM NPT · Nov 6, 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

279.00

High

279.00

Low

272.00

Prev Close

278.00

Volume

928

Turnover

Rs 254,588.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

1.35

EPS TTM

1.35

BVPS

-0.89

P/E Ann.

203.11

P/E TTM

203.11

Graham #

N/A

Capital

Mkt Cap

1.89 Arab

Total

69.05 Lakh

Public

33.83 Lakh

Promoter

35.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

38.82

ADX

9.73

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

276.07

SMA 50

304.99

Bands & Channels

BB Width %

5.74%

Volume & Flow

OBV

7,403,643

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

25,468

Shares Bought

Total Sell

25,468

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

11,557

Amount

3,186,598

Avg Rate

275.73

Rank

#12

Brokers

#44#35

Distributors

Quantity

7,247

Amount

1,996,908

Avg Rate

275.55

Rank

#14

Brokers

#34#50#42

Net Flow Impact:

+4,310units

(Rs. 1,189,690)

Net Flow by Timeframe

JFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 38,500 ]

Buy Side

Total: 20,988

Broker

QTY

AVG

NET

9,531

275.46

+9,531

37.4%

3,966

276.57

+347

15.6%

2,250

276.34

+1,150

8.8%

2,026

277.00

+2,001

8.0%

1,100

276.61

+866

4.3%

500

276.26

+500

2.0%

367

273.99

+367

1.4%

320

277.40

+320

1.3%

300

277.12

+200

1.2%

200

278.00

+200

0.8%

179

274.28

+179

0.7%

100

277.00

+100

0.4%

275.00

+80

0.3%

277.51

+59

0.2%

272.40

+10

0.0%

Sell Side

Total: 17,512

Broker

QTY

AVG

NET

3,605

275.38

-2,191

14.2%

2,387

274.93

-1,930

9.4%

1,255

277.21

-1,109

4.9%

1,135

275.85

-811

4.5%

1,054

277.10

-1,054

4.1%

1,035

277.58

-955

4.1%

974

275.02

-824

3.8%

913

276.88

-913

3.6%

900

275.46

-850

3.5%

874

276.83

-829

3.4%

839

277.11

-605

3.3%

702

276.40

-702

2.8%

700

273.90

-568

2.8%

580

277.28

-180

2.3%

559

276.67

-9

2.2%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	769,730	1,022,198	1,760,978	0	-24.70%
Money at Call & Short Notice	108,611	136,707	165,187	0	-20.55%
Due from NRB	108,611	136,707	165,187	0	-20.55%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,162,341	2,721,347	3,211,069	0	-20.54%
Loans & Advances to B/FIs	49,543	69,134	57,284	0	-28.34%
Loans & Advances to Customers	2,112,797	2,652,213	3,153,785	0	-20.34%
Investments
Investment Securities	39,497	39,497	39,497	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	184,733	131,247	968	0	+40.75%
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	44,523	43,522	37,459	0	+2.30%
Deferred Tax Assets	194,269	194,269	194,269	0	0.00%
Goodwill and Intangible Assets	6,518	3,128	2,902	0	+108.39%
Property & Equipment	50,987	50,922	49,617	0	+0.13%
Other Assets	1,120,806	936,877	848,878	0	+19.63%
Total Assets	4,436,705	5,038,794	6,076,192	0	-11.95%
Liabilities
Borrowings & Funding
Borrowings	49,741	69,183	64,012	0	-28.10%
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	49,741	69,183	64,012	0	-28.10%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	2,265,596	3,062,564	4,033,065	0	-26.02%
Other Liabilities
Provisions	6,092	40,252	0	0	-84.87%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	2,121,429	1,846,025	1,579,628	0	+14.92%
Other Liabilities & Provisions	2,127,521	1,886,277	1,579,628	0	+12.79%
Total Liabilities	4,442,858	5,018,024	5,676,704	0	-11.46%
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	430,911	0	0.00%
Reserves & Surpluses	-696,626	-669,702	-290,984	0	-4.02%
Retained Earnings	-1,127,538	-1,100,614	-721,896	0	-2.45%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	-6,154	20,771	399,488	0	-129.63%
Total Liabilities & Equity	4,436,705	5,038,794	6,076,192	0	-11.95%

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)	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	455	+0.09	+0.02%	0	0.06	113.08	70.53%	6.46	7.84	7.84	4.1	2.83	15	10.7%	65.63	0.02	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	598	-7.02	-1.16%	0.01	0.07	122.15	59.89%	7.58	13.44	13.44	4.42	4.61	19.95	10.12%	45.31	1	43.15	9.04	1.35	1.35%	11.38	11.38%
GFCL	560.1	+2.29	+0.41%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	4.21	3.45	13.78	6.27%	39.45	0.01	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	418	-0.8	-0.19%	0	0.06	157.55	66.24%	5.29	4.56	4.56	4.34	4.02	7.53	5.2%	98.68	1.44	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	498	-3.01	-0.6%	0	0.06	167.43	72.62%	6.68	25.28	25.28	4.57	5.07	31.55	13.32%	21.36	0.07	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	610	+4	+0.66%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	4.09	3.35	14.65	1.55%	26.38	-	27.14	3.87	1.06	1.06%	11.93	11.93%
MFIL	680	+2.98	+0.44%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	4.39	4.44	17.93	3.43%	27.72	1.38	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	570	+0.4	+0.07%	0	0.06	121.76	64.49%	5.15	8.91	8.91	4.54	3.59	20.58	3.3%	66.67	0.5	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	479	+1	+0.21%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	4.55	3.42	-20.62	13.83%	-62.01	-	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PFL	324.5	-0.49	-0.15%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	4.16	2.92	46.28	20.84%	27.23	1.02	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	375	+2.2	+0.59%	0	0.06	83.84	69.6%	11.52	5.92	5.92	4.55	3.5	9.25	3.01%	73.14	-	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	412	+0.08	+0.02%	0	0.07	116.78	85.02%	8.56	4.51	4.51	4.15	3.11	6.44	6.55%	99.78	5.15	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	4.58	3.56	0.38	8.09%	3,308.33	32.34	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	467	+2	+0.43%	0	0.07	139.82	71.39%	6.47	4.62	4.62	3.68	3.69	6.54	3.74%	110.17	-	104.85	7.21	0.45	0.45%	3.27	3.27%

AVG	486.9	0.27	0.05%	0.01	0.065	133.56	71.45%	7.5	10.34	10.93	4.31	3.68	13.52	7.85%	281.99	4.293	47.182	9.249	0.87	1.01%	8.06	9.09%
MED	473	0.24	0.05%	0	0.065	122.67	70.07%	6.89	8.38	8.63	4.37	3.53	14.22	6.41%	55.47	1.01	45.295	7.32	0.93	1.01%	7.22	7.29%
MAX	680	4	0.66%	0.01	0.08	211.01	85.59%	11.52	27.85	27.85	4.58	5.07	46.28	20.84%	3,308.33	32.34	104.85	22.6	2.54	2.54%	26.59	26.59%
MIN	324.5	-7.02	-1.16%	0	0.05	60.3	59.71%	4.91	-8.95	-8.95	3.68	2.83	-20.62	1.55%	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%