Manushi Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,019.00

NPR +19+1.90%

08:51 AM NPT · Sep 24, 2026

Est. Started as NGO Manushi’s microfinance program in 2002; licensed by NRB as a D-class microfinance institution on 2075-06-25 B.S. · Central Office: Manushi Complex, Kathmandu, Nepal (operations across 14+ districts) · CEO: Mrs. Shova Bajracharya

Manushi Laghubitta Bittiya Sanstha Limited traces its origins to a microfinance program run by an NGO called Manushi, which started operations in 2002.Later, that microfinance program was institutionalized and registered under the Company Act. MLBS received the “D-class” license from Nepal Rastra Bank (NRB) on 25 Ashoj 2075 B.S. and began operations under the new structure. As a microfinance financial institution, MLBS focuses on delivering financial inclusion services especially targeting underserved, rural, and marginalized communities. Its products and services include micro-credit / loans, savings accounts, deposit mobilization, remittance services, and other financial services typical of a microfinance institution. MLBS is publicly listed on the Nepal Stock Exchange (NEPSE) under the ticker MLBS. As per recent data: MLBS has 1,093,750 shares listed (face value NPR 100). Paid-up capital stands at NPR 10,937,500 (i.e., 109.375 lakh) when listed. Market capitalization (as per 2025 listing data) is around NPR 1.6 Arba. In terms of social mission: MLBS aims to support financial inclusion, especially for low-income, rural and marginalized populations. According to its regulatory filings, MLBS is active in about 14 districts across Nepal, working towards social upliftment through microfinance supporting self-employment, small businesses, women empowerment, small entrepreneurs, and financially weaker segments. Financially, MLBS has shown signs of recovery: for example, in fiscal year 2080/81 (B.S.), the institution reportedly returned to profitability after earlier losses. In a 2024 report, MLBS posted a net profit of NPR 1.92 crore (after previously reporting losses), citing operational profit plus reversal of impairment charges. This suggests that MLBS may be on a recovery path, improving asset quality and stabilizing its operations. According to that report, deposit mobilization from over 33,000 members exceeded NPR 98.78 crore; non-performing loan ratio reportedly fell from 7.9% to ~4.46%. Overall, MLBS represents one of Nepal’s microfinance institutions aiming to balance social mission (financial inclusion, support to marginalized communities) with formal financial operations, under regulation and with access to capital markets.

Trading

Open

985.00

High

1,019.00

Low

985.00

Prev Close

1,000.00

Volume

130

Turnover

Rs 131,726

Txns

8

Valuation · Q4 FY25/26

EPS Ann.

24.66

EPS TTM

24.66

BVPS

103.10

P/E Ann.

41.32

P/E TTM

41.32

Graham #

239.18

Capital

Mkt Cap

1.11 Arab

Total

10.94 Lakh

Public

3.94 Lakh

Promoter

7.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

48.19

ADX

32.94

Overall Score

40
Below Line

Technical Score

Moving Averages

SMA 20

1019.91

SMA 50

1094.26

Bands & Channels

BB Width %

10.63%

Volume & Flow

OBV

380,700

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

865

Shares Bought

Total Sell

865

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

29

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

2

Quantity

460

Amount

463,876

Avg Rate

1008.43

Rank

#46

Brokers

#42#6

Distributors

2

Quantity

520

Amount

522,953

Avg Rate

1005.68

Rank

#47

Brokers

#35#45

Net Flow Impact:

-60units
(Rs. -59,077)

Net Flow by Timeframe

MLBS — Broker Breakdown (7D)

13 Buyers15 Sellers

[ Vol: 1,630 ]

Buy Side

Total: 825

Broker

QTY

AVG

NET

%

42

360

1010.77

+360

41.6%

6

100

1000.00

+100

11.6%

36

71

1000.00

+61

8.2%

54

59

1000.00

+59

6.8%

64

50

1002.00

+50

5.8%

29

45

1001.00

+45

5.2%

1

30

1020.00

+30

3.5%

4

20

989.00

+20

2.3%

38

20

1015.00

+20

2.3%

46

20

1014.20

+20

2.3%

52

20

1028.75

+20

2.3%

56

20

1019.90

+10

2.3%

22

10

1020.00

+10

1.2%

Sell Side

Total: 805

Broker

QTY

AVG

NET

%

35

340

1005.74

-340

39.3%

45

180

1005.56

-180

20.8%

32

55

1001.73

-55

6.4%

49

50

1018.88

-50

5.8%

59

50

1017.40

-50

5.8%

13

30

1001.20

-30

3.5%

34

20

1017.90

-20

2.3%

11

10

1005.10

-10

1.2%

21

10

1055.00

-10

1.2%

25

10

1000.00

-10

1.2%

47

10

1020.00

-10

1.2%

48

10

1020.00

-10

1.2%

51

10

1018.90

-10

1.2%

74

10

1015.00

-10

1.2%

84

10

1014.90

-10

1.2%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital0109,375109,37500.00%
Reserves and Surplus028,24342,9530-34.25%
Debentures and Bonds00.000.000-
Borrowings357,366367,171183,7460-2.67%
Deposits01,096,248987,8750+10.97%
Income Tax Liabilities05,5869630+480.21%
Other Liabilities64,42729,919183,0230+115.34%
Total Capital & Liabilities01,636,5431,507,9350+8.53%
Assets
Cash and Bank Balance0307,958127,1040+142.29%
Money at Call & Short Notice00.000.000-
Investments02,00000-
Loan and Advances01,294,0271,285,3180+0.68%
Fixed Assets04,66127,3830-82.98%
Non Banking Assets00.000.000-
Other Assets49,77327,89768,1290+78.42%
Total Assets1,796,5431,636,5431,507,9350+9.78%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareDebt to EquityEPS (Annualized)EPS (TTM)Graham's NumberNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

877-0.97-0.11%00.14180.97.9627.7927.79336.328.2412.446.01%5.1533.543.9932.134.171.681.68%16.4816.48%

ADLB

----------------------

AKBSL

----------------------

ALBSL

1,174.4-19.58-1.64%0.010.13174.677.7832.6332.63358.17.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,987+48.89+0.99%00.11362.385.7369.7169.71753.917.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,060+0.95+0.09%00.14158.758.3557.0457.04451.388.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

----------------------

CBBL

956.8+7.78+0.82%0.030.12251.065.3535.9135.91450.395.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,630+99.05+6.47%00.12357.756.62110.66110.66943.796.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

861+4.97+0.58%0.020.13226.875.3848.1548.15495.777.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,205.1-136.73-10.19%00.12150.5711.2715.7215.72230.776.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

759.5+9.52+1.27%0.010.06137.262.0914.1814.18209.274.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900+6.97+0.78%0.010.13278.576.2352.1452.14571.676.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

692-0.48-0.07%0.010.14295.184.494036.73493.919.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

----------------------

GILB

1,139.5+11.39+1.01%0.010.14242.586.5761.8761.87581.118.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,700-9.92-0.58%00.14169.519.3431.1131.11344.468.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,124+23.98+2.18%00.121589.4228.6828.68319.317.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

869+3.81+0.44%00.12185.538.7131.2631.26361.247.3114.989.04%4.6927.813.1628.214.171.81.8%18.0618.06%

ILBS

950-18-1.86%00.13161.736.5636.6636.66365.248.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

----------------------

JBLB

1,278.8+3.7+0.29%0.020.13279.95661.861.8623.927.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

969-0.97-0.1%00.12175.17.0710.710.7205.326.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

----------------------

KLBSL

----------------------

KMCDB

828+17.98+2.22%00.13178.736.2227.427.4331.948.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

860+5.98+0.7%00.13204.167.1724.224.2333.417.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

727.1-21.79-2.91%00.12145.4212.3545.1345.13384.276.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

607+3.02+0.5%0.010.11149.878.38.478.471695.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

----------------------
AVG1,188.871.80.04%0.010.124210.217.2339.639.45423.397.1919.7410.94%5.98539.212.61537.457.1332.392.38%19.1819.13%
MED953.43.750.47%00.13179.826.8534.2734.27363.247.2318.839.41%4.9228.01130.224.992.342.34%18.8418.84%
MAX4,98799.056.47%0.030.14362.3812.35110.66110.66943.799.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN607-136.73-10.19%00.06137.262.098.478.471694.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum