Nadep Laghubittiya bittya Sanstha Ltd.

MicrofinanceMid Cap

NPR 729.00

NPR -1-0.14%

09:11 AM NPT · Aug 7, 2026

Est. 29 January 2014 · Gajuri-1, Dhading, Nepal

NADEP Laghubitta Bittiya Sanstha Limited is a national-level microfinance institution in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. Founded with the objective of uplifting low-income communities, NADEP provides microfinance services that empower women, small entrepreneurs, and marginalized groups to improve their livelihoods and achieve financial independence. Operating through a widespread network of branches across Nepal, the institution offers micro-loans, savings and deposit products, micro-insurance, remittance services, and group-based financial programs. In addition to financial offerings, NADEP conducts non-financial initiatives such as financial literacy, entrepreneurship training, and community development programs that support long-term socio-economic growth. With its strong governance framework, inclusive lending model, and commitment to social impact, NADEP Laghubitta Bittiya Sanstha Ltd. continues to play a vital role in promoting financial inclusion, poverty reduction, and sustainable development across rural and underserved regions of Nepal.

www.nadeplaghubitta.com/

Trading

Open

730.00

High

730.00

Low

716.00

Prev Close

730.00

Volume

570

Turnover

Rs 409,181.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

17.87

EPS TTM

22.88

BVPS

162.87

P/E Ann.

40.79

P/E TTM

31.86

Graham #

255.90

Capital

Mkt Cap

3.54 Arab

Total

48.58 Lakh

Public

14.57 Lakh

Promoter

34.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

38.86

ADX

47.66

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

736.13

SMA 50

738.14

Bands & Channels

BB Width %

8.31%

Volume & Flow

OBV

972,592

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

3,827

Shares Bought

Total Sell

3,827

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

1,409

Amount

1,019,604

Avg Rate

723.64

Rank

#41

Brokers

#41#59

Distributors

Quantity

1,848

Amount

1,337,150

Avg Rate

723.57

Rank

#40

Brokers

#43#34#90

Net Flow Impact:

-439units

(Rs. -317,546)

Net Flow by Timeframe

NADEP — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,879 ]

Buy Side

Total: 3,322

Broker

QTY

AVG

NET

778

723.53

+743

20.3%

631

723.77

+631

16.5%

500

725.00

+420

13.1%

431

721.88

+431

11.3%

400

724.90

+375

10.4%

121

724.61

+121

3.2%

100

725.40

+100

2.6%

100

726.00

+100

2.6%

725.50

+45

1.8%

743.99

+66

1.7%

725.10

+50

1.3%

741.06

+25

0.7%

728.00

+20

0.5%

724.13

+15

0.4%

716.07

+15

0.4%

Sell Side

Total: 3,557

Broker

QTY

AVG

NET

850

725.01

-850

22.2%

765

720.90

-595

20.0%

426

726.89

-140

11.1%

233

727.05

-233

6.1%

216

725.57

-216

5.6%

213

720.21

-203

5.6%

180

716.04

-180

4.7%

165

725.37

-165

4.3%

130

725.00

-130

3.4%

110

731.75

-110

2.9%

101

725.00

-76

2.6%

717.00

-57

1.5%

726.25

-40

1.1%

723.62

-40

1.1%

717.00

-31

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	485,760	485,760	485,760	0	0.00%
Reserves and Surplus	305,412	276,156	350,923	0	+10.59%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	2,846,134	3,537,344	3,028,998	0	-19.54%
Deposits	2,395,084	1,879,352	2,103,728	0	+27.44%
Income Tax Liabilities	27,903	0	5,760	0	-
Other Liabilities	942,338	676,515	593,324	0	+39.29%
Total Capital & Liabilities	7,002,630	6,855,128	6,568,493	0	+2.15%
Assets
Cash and Bank Balance	216,111	556,065	319,393	0	-61.14%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	1,157	1,157	1,157	0	0.00%
Loan and Advances	5,825,144	6,121,432	5,771,927	0	-4.84%
Fixed Assets	24,133	22,929	28,130	0	+5.25%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	936,086	153,545	447,886	0	+509.65%
Total Assets	7,002,630	6,855,128	6,568,493	0	+2.15%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	917	-3.04	-0.33%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,091	+5.97	+0.55%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,996	+471.77	+8.54%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,053	+11.04	+1.06%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	929	-0.93	-0.1%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,280	-10.06	-0.78%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	829	-6.01	-0.72%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,165	-17.14	-1.45%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	781	+22.97	+3.03%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	930	+2.87	+0.31%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	738	+1.03	+0.14%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,070	-19.95	-1.83%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,795.9	-5.04	-0.28%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,154	-29.1	-2.46%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	870	-10.03	-1.14%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	876.9	-2.11	-0.24%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,260.8	+0.76	+0.06%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	-10	-1.01%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	777	+16.8	+2.21%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	885	-9.84	-1.1%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	811	-1.22	-0.15%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	661.2	-4.8	-0.72%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,220.49	18.36	0.16%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	386.55	7.67	7.49	16.16	11.64%	8.51	55.79	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	929.5	-2.57	-0.26%	0	0.13	174.46	111.22%	7.1	30.48	34.99	378.89	7.92	7.66	15.68	9.96%	7.8	45.99	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,996	471.77	8.54%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	661.2	-29.1	-2.46%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%