Janaki Finance Company Limited

FinanceLow Cap

NPR 285.00

NPR +5.9+2.11%

09:13 AM NPT · Sep 24, 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

270.00

High

294.90

Low

270.00

Prev Close

279.10

Volume

9,509

Turnover

Rs 2,694,112.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

1.35

EPS TTM

1.35

BVPS

-0.89

P/E Ann.

211.11

P/E TTM

211.11

Graham #

N/A

Capital

Mkt Cap

1.97 Arab

Total

69.05 Lakh

Public

33.83 Lakh

Promoter

35.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

24.53

ADX

44.86

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

321.27

SMA 50

362.99

Bands & Channels

BB Width %

57.63%

Volume & Flow

OBV

7,437,117

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

58,912

Shares Bought

Total Sell

58,912

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 64%

Distribution 36%

Accumulators

Quantity

20,076

Amount

5,758,302

Avg Rate

286.83

Rank

Brokers

#45#62#58

Distributors

Quantity

11,427

Amount

3,264,319

Avg Rate

285.67

Rank

#13

Brokers

#6#49#42

Net Flow Impact:

+8,649units

(Rs. 2,493,983)

Net Flow by Timeframe

JFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 78,403 ]

Buy Side

Total: 37,435

Broker

QTY

AVG

NET

8,359

287.44

+7,783

14.2%

7,754

286.14

+2,147

13.2%

3,963

286.87

+3,208

6.7%

2,620

289.52

+2,120

4.5%

2,114

284.52

+2,114

3.6%

2,008

286.17

+1,314

3.4%

1,865

289.13

+815

3.2%

1,626

282.90

+333

2.8%

1,521

286.21

+1,521

2.6%

1,207

284.61

+1,017

2.0%

1,196

284.54

+1,196

2.0%

1,100

283.04

+1,050

1.9%

842

289.17

+342

1.4%

700

283.93

+700

1.2%

560

279.90

+460

0.9%

Sell Side

Total: 40,968

Broker

QTY

AVG

NET

6,241

282.95

-2,086

10.6%

4,395

283.94

-2,249

7.5%

4,220

287.99

-2,518

7.2%

3,710

289.63

-1,934

6.3%

3,439

285.86

-983

5.8%

2,992

286.89

-1,680

5.1%

2,812

284.89

-2,470

4.8%

2,235

283.70

-1,735

3.8%

2,100

284.89

-1,800

3.6%

1,960

288.40

-970

3.3%

1,573

288.23

-976

2.7%

1,429

289.30

-929

2.4%

1,390

288.21

-1,180

2.4%

1,300

285.79

-1,300

2.2%

1,172

283.89

-86

2.0%

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	447	+3.02	+0.68%	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	567.9	+0.91	+0.16%	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	577	+2.01	+0.35%	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	421	-4.98	-1.17%	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	496.4	+0.4	+0.08%	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	595	+3.08	+0.52%	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	764.8	-4.23	-0.55%	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	588	-2.01	-0.34%	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	495	+8.99	+1.85%	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	351	-4.41	-1.24%	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	391	+7.7	+2.01%	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	424	+1.1	+0.26%	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	480.3	-0.72	-0.15%	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	497.74	0.78	0.18%	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	487.65	0.65	0.12%	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	764.8	8.99	2.01%	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	351	-4.98	-1.24%	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%