Janaki Finance Company Limited

FinanceLow Cap

NPR 405.60

NPR -1.4-0.34%

09:14 AM NPT · May 15, 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

410.00

High

410.00

Low

404.00

Prev Close

407.00

Volume

3,841

Turnover

Rs 1,558,279.9

Txns

Valuation · Q2 FY25/26

EPS Ann.

1.07

EPS TTM

-39.75

BVPS

-1.98

P/E Ann.

379.07

P/E TTM

-10.20

Graham #

N/A

Capital

Mkt Cap

2.8 Arab

Total

69.05 Lakh

Public

33.83 Lakh

Promoter

35.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

41.42

ADX

26.59

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

412.8

SMA 50

427.89

Bands & Channels

BB Width %

5.07%

Volume & Flow

OBV

7,618,472

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

24,064

Shares Bought

Total Sell

24,064

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

7,117

Amount

2,922,082

Avg Rate

410.58

Rank

#14

Brokers

#42#35#1#29

Distributors

Quantity

7,041

Amount

2,882,040

Avg Rate

409.32

Rank

#12

Brokers

#28#14#91

Net Flow Impact:

+76units

(Rs. 40,042)

Net Flow by Timeframe

JFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 35,527 ]

Buy Side

Total: 17,476

Broker

QTY

AVG

NET

3,302

409.31

+2,637

13.7%

2,362

408.76

+453

9.8%

1,533

408.36

+1,378

6.4%

1,345

410.55

+767

5.6%

1,290

411.83

+994

5.4%

1,282

415.00

+1,282

5.3%

1,111

413.19

+824

4.6%

1,000

412.50

+1,000

4.2%

992

405.48

+785

4.1%

920

410.25

+920

3.8%

600

412.37

+600

2.5%

550

408.50

+550

2.3%

505

412.17

+430

2.1%

344

406.55

+329

1.4%

340

407.81

+295

1.4%

Sell Side

Total: 18,051

Broker

QTY

AVG

NET

2,678

405.45

-2,678

11.1%

2,204

411.76

-2,204

9.2%

2,159

411.63

-2,159

9.0%

2,124

409.89

-1,087

8.8%

1,866

409.04

-1,037

7.8%

1,330

410.39

-1,189

5.5%

1,181

409.79

-777

4.9%

1,160

412.62

-1,160

4.8%

800

408.27

-600

3.3%

560

408.04

-298

2.3%

500

407.10

-150

2.1%

500

412.72

-430

2.1%

424

407.71

-14

1.8%

300

411.00

-120

1.3%

265

408.06

-265

1.1%

Financial Fundamentals

No data available for BS

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	454.1	-0.91	-0.2%	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	494	+2.02	+0.41%	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	625.8	+10.82	+1.76%	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	452.4	-2.59	-0.57%	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	520.1	+0.62	+0.12%	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%
ICFC	620	-1.93	-0.31%	0.01	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
MFIL	797	+3.97	+0.5%	0.01	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	614	+9.01	+1.49%	0	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	562.9	-1.13	-0.2%	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	369	+1.98	+0.54%	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	435	0	0%	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	431	+0.99	+0.23%	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	367	+3.81	+1.05%	0	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	530.9	+5.88	+1.12%	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	519.51	2.32	0.42%	0.01	0.07	131.19	71.34%	7.01	13.55	202.95	4.37%	3.84%	10.35%	7.53%	8.589	252.987	2.216	263.384	-54.841	32.136	0.48%	1.33%	6.39%	15.47%
MED	507.05	1.49	0.32%	0	0.07	119.91	71.29%	3.63	9.02	183.44	4.53%	3.53%	8.24%	5.67%	8.68	89.055	0.045	91.545	31.535	28.14	0.36%	0.67%	2.69%	4.96%
MAX	797	10.82	1.76%	0.01	0.09	256.65	84.84%	43.2	91.05	400.3	4.59%	7.04%	25.1%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	60.7	4.7%	9.92%	65.36%	137.76%
MIN	367	-2.59	-0.57%	0	0.06	59.96	59.98%	-22.52	-11.1	69.68	3.69%	2.48%	3.51%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-1.68%	-18%	-8.87%