Nadep Laghubittiya bittya Sanstha Ltd.

MicrofinanceMid Cap

NPR 742.00

NPR -15.4-2.03%

09:14 AM NPT · May 15, 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

740.10

High

750.00

Low

720.00

Prev Close

757.40

Volume

2,484

Turnover

Rs 1,818,197.9

Txns

Valuation · Q2 FY25/26

EPS Ann.

15.52

EPS TTM

15.39

BVPS

157.36

P/E Ann.

47.81

P/E TTM

48.21

Graham #

234.41

Capital

Mkt Cap

3.6 Arab

Total

48.58 Lakh

Public

14.57 Lakh

Promoter

34.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

39.64

ADX

13.73

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

758.97

SMA 50

782.16

Bands & Channels

BB Width %

7.07%

Volume & Flow

OBV

982,572

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

4,714

Shares Bought

Total Sell

4,714

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

1,755

Amount

1,299,555

Avg Rate

740.49

Rank

#37

Brokers

#48#57#41

Distributors

Quantity

2,739

Amount

2,020,803

Avg Rate

737.79

Rank

#34

Brokers

#34#1

Net Flow Impact:

-984units

(Rs. -721,248)

Net Flow by Timeframe

NADEP — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,084 ]

Buy Side

Total: 3,889

Broker

QTY

AVG

NET

795

748.53

+780

16.9%

550

730.55

+540

11.7%

438

747.58

+308

9.3%

410

738.22

+410

8.7%

328

751.97

+213

7.0%

300

735.00

+300

6.4%

269

732.14

+219

5.7%

170

752.00

+160

3.6%

152

732.63

+125

3.2%

113

759.58

+113

2.4%

110

732.73

+110

2.3%

750.00

+70

1.5%

753.00

+64

1.4%

745.50

+45

1.3%

754.17

+60

1.3%

Sell Side

Total: 4,195

Broker

QTY

AVG

NET

2,040

732.54

-1,755

43.3%

699

753.11

-699

14.8%

500

759.00

-480

10.6%

250

730.97

-250

5.3%

122

735.35

-23

2.6%

100

754.50

-10

2.1%

773.50

-70

1.5%

774.43

-70

1.5%

764.00

-25

1.5%

758.20

-60

1.3%

758.00

-51

1.1%

758.40

-50

1.1%

741.70

-33

0.9%

759.00

-40

0.8%

755.00

-30

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	485,760,000	485,760,000	485,760,000	485,760,000	0.00%
Reserves and Surplus	278,653,728	229,413,345	360,352,286	396,246,530	+21.46%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	2,826,974,326	3,245,302,656	2,757,310,091	2,198,113,954	-12.89%
Deposits	1,991,238,869	2,178,818,532	1,759,389,788	1,822,366,425	-8.61%
Income Tax Liabilities	16,151,330	-54,381,338	4,804,640	7,726,973	+129.70%
Other Liabilities	1,243,360,537	322,951,119	882,739,009	741,693,523	+285.00%
Total Capital & Liabilities	6,842,138,790	6,407,864,314	6,250,355,815	5,651,907,403	+6.78%
Assets
Cash and Bank Balance	198,215,072	335,596,545	403,039,501	161,659,279	-40.94%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	1,156,638	1,156,638	1,156,638	2,000,000	0.00%
Loan and Advances	5,712,835,581	5,965,192,569	5,404,211,560	5,253,817,588	-4.23%
Fixed Assets	22,621,445	26,639,776	27,980,110	19,595,104	-15.08%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	907,310,055	79,278,786	413,968,007	214,835,432	+1044.46%
Total Assets	6,842,138,791	6,407,864,314	6,250,355,815	5,651,907,403	+6.78%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)%
ACLBSL	949.9	-2.09	-0.22%	0	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,100	-5.53	-0.5%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,020	+15.01	+0.25%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,129	+8.96	+0.8%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	907	-4.47	-0.49%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,466.1	-5.89	-0.4%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	844.5	-2.54	-0.3%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,315	-7.94	-0.6%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	796	+0.08	+0.01%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,059	+9.03	+0.86%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	773	+1.08	+0.14%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,120	+9	+0.81%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,790	+9.97	+0.56%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,334.6	+7.56	+0.57%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	922.5	-12.53	-1.34%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,305	-9.99	-0.76%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,102	+11.99	+1.1%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	872	+5.98	+0.69%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	966	+12.02	+1.26%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	895	+0.98	+0.11%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	710	-5.08	-0.71%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,284.85	1.62	0.08%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,012.5	0.53	0.06%	0	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,020	15.01	1.26%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	710	-12.53	-1.34%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%