Nepal Finance Ltd.

FinanceMid Cap

NPR 564.00

NPR -2-0.35%

09:14 AM NPT · May 14, 2026

Est. 1992 · Kamaladi-28, Kathmandu, Nepal · CEO: Mr. Uddhavraj Thapaliya

Nepal Finance Limited is one of Nepal’s pioneering finance companies, licensed by the Nepal Rastra Bank (NRB) as a “C” class financial institution. Established with the objective of strengthening the country’s financial sector, the institution provides a wide range of financial products and services designed to support individuals, small enterprises, and emerging businesses. The company offers savings and deposit schemes, hire-purchase and business loans, SME financing, housing and personal loans, remittance services, digital banking facilities, and investment-related financial products. With a customer-focused approach, Nepal Finance emphasizes responsible lending, transparency, and efficient service delivery while ensuring compliance with NRB directives and regulatory frameworks. Operating through its expanding branch network, the institution plays an important role in enhancing financial accessibility and promoting economic activities at the local and regional levels. By integrating modern banking technology, strengthening governance, and prioritizing customer trust, Nepal Finance Limited continues to build a strong presence in Nepal’s financial landscape and contributes to the nation’s ongoing economic development

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Trading

Open

570.00

High

570.00

Low

555.00

Prev Close

566.00

Volume

8,103

Turnover

Rs 4,547,806

Txns

101

Valuation · Q2 FY25/26

EPS Ann.

-22.52

EPS TTM

-11.10

BVPS

121.25

P/E Ann.

-25.04

P/E TTM

-50.81

Graham #

N/A

Capital

Mkt Cap

4.28 Arab

Total

75.94 Lakh

Public

30.38 Lakh

Promoter

45.57 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

31.4

ADX

65.72

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

585.16

SMA 50

617.43

Bands & Channels

BB Width %

12.9%

Volume & Flow

OBV

7,262,366

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

28,586

Shares Bought

Total Sell

28,586

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

6,915

Amount

3,941,036

Avg Rate

569.93

Rank

Brokers

#6#58#34#25

Distributors

Quantity

6,273

Amount

3,521,320

Avg Rate

561.35

Rank

#11

Brokers

#17#88

Net Flow Impact:

+642units

(Rs. 419,716)

Net Flow by Timeframe

NFS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 34,772 ]

Buy Side

Total: 18,079

Broker

QTY

AVG

NET

2,652

566.71

+1,139

9.3%

2,013

571.00

+219

7.0%

1,910

571.03

+1,350

6.7%

1,643

567.64

+88

5.8%

1,575

573.09

+1,025

5.5%

1,315

563.53

+206

4.6%

1,150

573.03

+250

4.0%

920

566.23

+197

3.2%

830

563.34

+680

2.9%

797

573.74

+64

2.8%

778

571.74

+778

2.7%

752

566.46

+634

2.6%

630

560.92

+620

2.2%

575

564.11

+575

2.0%

539

570.49

+539

1.9%

Sell Side

Total: 16,693

Broker

QTY

AVG

NET

4,773

561.66

-3,609

16.7%

2,075

570.63

-531

7.3%

1,660

575.55

-452

5.8%

1,600

565.02

-1,400

5.6%

1,500

560.33

-1,500

5.3%

777

578.38

-602

2.7%

651

573.14

-308

2.3%

630

568.33

-496

2.2%

610

578.67

-610

2.1%

580

570.03

-21

2.0%

395

568.71

-380

1.4%

394

570.17

-394

1.4%

350

579.39

-350

1.2%

350

564.53

-340

1.2%

348

559.94

-348

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,144,892,943	761,248,959	448,483,243	505,049,000	+50.40%
Money at Call & Short Notice	763,784,786	946,333,707	130,556,912	162,472,000	-19.29%
Due from NRB	763,784,786	946,333,707	130,556,912	162,472,000	-19.29%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	2,503,422,299	2,282,177,788	1,670,839,516	1,206,155,000	+9.69%
Loans & Advances to B/FIs	83,028,870	146,460,039	180,925,660	156,145,000	-43.31%
Loans & Advances to Customers	2,420,393,429	2,135,717,749	1,489,913,856	1,050,010,000	+13.33%
Investments
Investment Securities	541,397,023	494,947,170	740,586,474	681,926,000	+9.38%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	194,937,962	94,345,879	64,280,536	68,457,000	+106.62%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	31,482,197	18,664,440	26,943,460	22,482,000	+68.67%
Deferred Tax Assets	16,272,812	40,503,308	32,014,013	37,255,000	-59.82%
Goodwill and Intangible Assets	20,778,457	22,117,941	21,429,949	21,526,000	-6.06%
Property & Equipment	129,712,587	150,976,371	173,655,540	174,553,000	-14.08%
Other Assets	15,096,974	28,443,635	35,432,750	22,203,000	-46.92%
Total Assets	5,361,778,040	4,839,759,198	3,344,222,393	2,902,078,000	+10.79%
Liabilities
Borrowings & Funding
Borrowings	76,838,095	81,184,216	145,326,782	134,842,000	-5.35%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	76,838,095	81,184,216	145,326,782	134,842,000	-5.35%
Due to NRB	0.00	0.00	0.00	0.00	-
Deposits	4,174,006,114	3,574,364,922	1,994,396,144	1,597,631,000	+16.78%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	170,453,059	183,699,446	208,979,704	188,681,000	-7.21%
Other Liabilities & Provisions	170,453,059	183,699,446	208,979,704	188,681,000	-7.21%
Total Liabilities	4,421,297,268	3,839,248,584	2,348,702,630	1,921,154,000	+15.16%
Equity
Paid Up Capital	775,646,747	729,906,747	729,496,747	727,298,000	+6.27%
Share Premium	51,100,367	51,082,369	51,059,592	51,039,000	+0.04%
Reserves & Surpluses
Reserves	497,989,896	481,431,378	427,301,580	426,662,000	+3.44%
Reserves & Surpluses	164,834,025	270,603,867	266,023,016	253,626,000	-39.09%
Retained Earnings	-384,256,238	-261,909,880	-212,338,156	-224,075,000	-46.71%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	940,480,772	1,000,510,614	995,519,763	980,924,000	-6.00%
Total Liabilities & Equity	5,361,778,040	4,839,759,198	3,344,222,393	2,902,078,000	+10.79%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)%
BFC	455	-3.3	-0.72%	-	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	492	-5.98	-1.2%	-	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GFCL	615	-1.97	-0.32%	-	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GMFIL	455	-1.41	-0.31%	-	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	519.5	-3.5	-0.67%	-	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	621.9	+1.67	+0.27%	-	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	407	0	0%	-	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	793	-10.04	-1.25%	-	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	605	-4.02	-0.66%	-	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
PFL	367	-1.81	-0.49%	-	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	435	-5.02	-1.14%	-	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	430	-3.99	-0.92%	-	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	363.2	-7.79	-2.1%	-	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	525	-7.99	-1.5%	-	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	505.97	-3.94	-0.79%	-	0.069	122.38	73.41%	8.7	11.5	202.95	4.37%	3.86%	13%	11.62%	8.456	283.009	2.216	293.724	-51.583	39.463	0.73%	1.1%	7.91%	7.49%
MED	473.5	-3.75	-0.7%	-	0.07	116.12	72.58%	3.63	9.02	183.44	4.53%	3.53%	8.24%	5.67%	8.67	118.56	0.045	118.33	31.535	28.14	0.36%	0.67%	3.22%	4.96%
MAX	793	1.67	0.27%	-	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	363.2	-10.04	-2.1%	-	0.05	-1.98	59.98%	-6.9	-39.75	69.68	3.69%	2.72%	3.51%	-10.84%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-0.7%	-4.91%	-9.24%	-120.61%