NESDO Sambridha Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,530.00

NPR -10-0.65%

09:14 AM NPT · Jun 29, 2026

Est. 5th March 2019 · Kushma Municipality-6, Parbat, Gandaki Province, Nepal

Nesdo Sambridha Laghubitta Bittiya Sanstha Limited is a national-level microfinance institution licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. Established with the objective of promoting economic upliftment and financial inclusion, the institution provides microfinance services to low-income households, women entrepreneurs, and marginalized communities across Nepal. Operating through a growing branch network, Nesdo Sambridha Laghubitta offers a wide range of financial services including micro-loans, savings and deposit products, micro-insurance, remittance services, and group-based lending programs. The institution also provides financial literacy, skill-development training, and community-based support to enhance the socio-economic capabilities of its members. Guided by a strong governance structure and community-focused approach, the organization aims to reduce poverty, generate self-employment, and support income-generating activities in rural and semi-urban areas. Through responsible microfinance practices and sustainable outreach, Nesdo Sambridha Laghubitta Bittiya Sanstha Ltd. continues to make a meaningful contribution to Nepal’s financial inclusion efforts and grassroots economic development.

slbs.nesdonepal.org/

Trading

Open

1,515.00

High

1,547.90

Low

1,515.00

Prev Close

1,540.00

Volume

813

Turnover

Rs 1,234,384

Txns

Valuation · Q3 FY25/26

EPS Ann.

65.09

EPS TTM

85.18

BVPS

287.49

P/E Ann.

23.51

P/E TTM

17.96

Graham #

648.87

Capital

Mkt Cap

4.46 Arab

Total

29.13 Lakh

Public

9.61 Lakh

Promoter

19.52 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

42.12

ADX

33.81

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1549.42

SMA 50

1545.15

Bands & Channels

BB Width %

4.56%

Volume & Flow

OBV

202,733

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

12,596

Shares Bought

Total Sell

12,596

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 30%

Distribution 70%

Accumulators

Quantity

4,048

Amount

6,227,596

Avg Rate

1538.44

Rank

#11

Brokers

#53#42#82

Distributors

Quantity

9,440

Amount

14,542,989

Avg Rate

1540.57

Rank

Brokers

#10#48#7

Net Flow Impact:

-5,392units

(Rs. -8,315,392)

Net Flow by Timeframe

NESDO — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 19,160 ]

Buy Side

Total: 7,751

Broker

QTY

AVG

NET

1,900

1525.48

+1,889

15.1%

1,113

1535.26

+1,087

8.8%

1,035

1565.63

+1,035

8.2%

510

1546.48

+358

4.0%

432

1564.89

+432

3.4%

400

1542.75

+262

3.2%

395

1520.58

+395

3.1%

324

1545.29

+89

2.6%

299

1538.39

+288

2.4%

274

1561.90

+204

2.2%

233

1554.23

+233

1.9%

220

1556.95

+220

1.8%

216

1525.23

+206

1.7%

200

1528.57

+158

1.6%

200

1533.30

+200

1.6%

Sell Side

Total: 11,409

Broker

QTY

AVG

NET

4,600

1530.15

-878

36.5%

4,000

1548.68

-4,000

31.8%

840

1559.05

-840

6.7%

610

1564.72

-600

4.8%

301

1523.80

-301

2.4%

221

1532.06

-199

1.8%

132

1576.00

-132

1.1%

120

1553.67

-120

0.9%

111

1571.71

-11

0.9%

100

1522.15

-90

0.8%

100

1554.24

-100

0.8%

1560.00

-81

0.6%

1573.75

-35

0.6%

1555.89

-42

0.5%

1567.90

-39

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	291,338	291,338	255,000	0	0.00%
Reserves and Surplus	546,233	363,366	752,270	0	+50.33%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	0.00	130000.00	322500.00	0	-100.00%
Deposits	2,499,247	2,404,032	2,464,451	0	+3.96%
Income Tax Liabilities	60,949	0	19,823	0	-
Other Liabilities	796,066	904,237	1,025,108	0	-11.96%
Total Capital & Liabilities	4,193,833	4,092,973	4,839,152	0	+2.46%
Assets
Cash and Bank Balance	900,322	870,608	986,460	0	+3.41%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	0.00	0.00	0.00	0	-
Loan and Advances	3,077,390	3,099,736	3,614,447	0	-0.72%
Fixed Assets	40,740	29,904	7,625	0	+36.24%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	175,380	92,726	230,620	0	+89.14%
Total Assets	4,193,833	4,092,973	4,839,152	0	+2.46%

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%