Nadep Laghubittiya bittya Sanstha Ltd.

MicrofinanceMid Cap

NPR 757.40

NPR -0.6-0.08%

09:14 AM NPT · May 14, 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

750.00

High

757.40

Low

741.00

Prev Close

758.00

Volume

113

Turnover

Rs 84,351.5

Txns

Valuation · Q2 FY25/26

EPS Ann.

15.52

EPS TTM

15.39

BVPS

157.36

P/E Ann.

48.80

P/E TTM

49.21

Graham #

234.41

Capital

Mkt Cap

3.68 Arab

Total

48.58 Lakh

Public

14.57 Lakh

Promoter

34.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

48.78

ADX

13.49

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

761.22

SMA 50

783.42

Bands & Channels

BB Width %

7.45%

Volume & Flow

OBV

985,056

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

2,581

Shares Bought

Total Sell

2,581

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

865

Amount

654,055

Avg Rate

756.13

Rank

#47

Brokers

#48#38

Distributors

Quantity

1,199

Amount

905,923

Avg Rate

755.57

Rank

#46

Brokers

#1#74

Net Flow Impact:

-334units

(Rs. -251,868)

Net Flow by Timeframe

NADEP — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 4,309 ]

Buy Side

Total: 2,235

Broker

QTY

AVG

NET

515

758.94

+500

19.9%

350

752.00

+220

13.6%

298

754.17

+163

11.6%

245

755.11

+205

9.5%

170

752.00

+130

6.6%

113

759.58

+113

4.4%

100

751.50

+100

3.9%

750.00

+70

2.7%

753.00

+64

2.5%

747.50

+30

2.3%

757.50

+60

2.3%

754.17

+60

2.3%

752.00

+50

1.9%

762.00

+50

1.9%

763.13

+10

1.2%

Sell Side

Total: 2,074

Broker

QTY

AVG

NET

699

753.11

-699

27.1%

500

759.00

-490

19.4%

151

729.37

-85

5.8%

110

769.73

-110

4.3%

100

754.50

-10

3.9%

754.50

-20

3.1%

774.43

-70

2.7%

764.00

-70

2.7%

758.20

-60

2.3%

758.00

-51

2.0%

758.40

-50

1.9%

741.70

-33

1.7%

755.00

-30

1.2%

760.00

-30

1.2%

758.80

-30

1.2%

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	952	-2	-0.21%	-	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	1,105.5	-1.88	-0.17%	-	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	6,005	-44.77	-0.74%	-	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	1,120	+15.03	+1.36%	-	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	911.5	-7.54	-0.82%	-	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	1,472	0	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	847	+0.76	+0.09%	-	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	1,323	-5.05	-0.38%	-	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	795.9	+2.93	+0.37%	-	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	1,050	-0.11	-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	771.9	+9.68	+1.27%	-	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	1,111	-5.47	-0.49%	-	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	1,780	0	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	1,327	-5.86	-0.44%	-	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%	-	0.11	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	935	0	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	1,315	+14.95	+1.15%	-	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	1,090	-10.01	-0.91%	-	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	866	-18.76	-2.12%	-	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	954	-5.95	-0.62%	-	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	894	-16.02	-1.76%	-	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	715.1	+0.07	+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	1,283.22	-3.64	-0.2%	-	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	1,002	-0.99	-0.09%	-	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	6,005	15.03	1.36%	-	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	715.1	-44.77	-2.12%	-	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%