Nadep Laghubittiya bittya Sanstha Ltd.

MicrofinanceMid Cap

NPR 722.00

NPR -8-1.10%

09:12 AM NPT · Jun 29, 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

722.00

High

725.00

Low

721.10

Prev Close

730.00

Volume

466

Turnover

Rs 337,088.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

17.87

EPS TTM

22.88

BVPS

162.87

P/E Ann.

40.40

P/E TTM

31.56

Graham #

255.90

Capital

Mkt Cap

3.51 Arab

Total

48.58 Lakh

Public

14.57 Lakh

Promoter

34.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

35.95

ADX

24.48

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

746.33

SMA 50

751.55

Bands & Channels

BB Width %

5.24%

Volume & Flow

OBV

970,434

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

5,586

Shares Bought

Total Sell

5,586

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

1,437

Amount

1,051,647

Avg Rate

731.83

Rank

#40

Brokers

#17#3#5

Distributors

Quantity

2,233

Amount

1,603,747

Avg Rate

718.20

Rank

#37

Brokers

#49#33

Net Flow Impact:

-796units

(Rs. -552,100)

Net Flow by Timeframe

NADEP — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,635 ]

Buy Side

Total: 3,837

Broker

QTY

AVG

NET

645

731.27

+630

11.6%

509

726.57

+293

9.1%

405

727.85

+342

7.3%

387

736.95

+387

6.9%

268

733.78

+248

4.8%

205

737.71

+200

3.7%

200

715.00

+197

3.6%

200

720.00

+200

3.6%

190

704.10

+10

3.4%

187

719.07

+187

3.4%

140

730.00

+140

2.5%

137

725.00

+137

2.5%

130

735.56

+130

2.3%

120

721.18

+20

2.1%

114

729.02

+114

2.0%

Sell Side

Total: 4,798

Broker

QTY

AVG

NET

1,633

718.52

-1,633

29.2%

778

740.49

-328

13.9%

600

717.34

-500

10.7%

508

729.82

-458

9.1%

330

726.18

-125

5.9%

300

735.03

-300

5.4%

208

723.92

-208

3.7%

190

732.95

-70

3.4%

100

722.00

-75

1.8%

750.04

-20

0.9%

710.00

-30

0.5%

731.04

-6

0.5%

739.97

-25

0.5%

723.50

-13

0.2%

735.00

-5

0.1%

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	938	-1.03	-0.11%	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	1,063	-6.95	-0.65%	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	5,884.9	-8.84	-0.15%	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	1,043	-16.96	-1.6%	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	910.6	-0.09	-0.01%	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	1,385	-47.86	-3.34%	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	820	-9.96	-1.2%	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	1,420	+185	+14.98%	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	761	-9.01	-1.17%	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	980.1	-9.9	-1%	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	750	-17.58	-2.29%	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	1,095	-7.05	-0.64%	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	1,798	-1.98	-0.11%	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	1,211	-15.2	-1.24%	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	874.5	-0.53	-0.06%	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	892	+1.87	+0.21%	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	1,251	-9.96	-0.79%	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	1,029.9	-1.13	-0.11%	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	823	+1.97	+0.24%	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	920	-3.05	-0.33%	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	854.1	+4.08	+0.48%	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	707.1	-3.77	-0.53%	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	1,245.96	1	0.03%	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	959.05	-5.36	-0.43%	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	5,884.9	185	14.98%	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	707.1	-47.86	-3.34%	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%