Nepal Finance Ltd.

FinanceLow Cap

NPR 562.10

NPR -2.9-0.51%

09:14 AM NPT · Aug 13, 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

nepalfinance.com.np/facebook X

Trading

Open

575.00

High

575.00

Low

560.20

Prev Close

565.00

Volume

3,649

Turnover

Rs 2,050,458.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

-13.52

EPS TTM

-7.55

BVPS

122.40

P/E Ann.

-41.58

P/E TTM

-74.45

Graham #

N/A

Capital

Mkt Cap

4.27 Arab

Total

75.94 Lakh

Public

30.38 Lakh

Promoter

45.57 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

24.81

ADX

39.83

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

574.56

SMA 50

586.04

Bands & Channels

BB Width %

5.79%

Volume & Flow

OBV

7,394,805

Flow Analysis

[ Live 2026-08-13 ]

Total Buy

32,288

Shares Bought

Total Sell

32,288

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 60%

Distribution 40%

Accumulators

Quantity

10,520

Amount

5,928,825

Avg Rate

563.58

Rank

Brokers

#49#39#42

Distributors

Quantity

6,930

Amount

3,919,285

Avg Rate

565.55

Rank

#13

Brokers

#57#25#17

Net Flow Impact:

+3,590units

(Rs. 2,009,540)

Net Flow by Timeframe

NFS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,111 ]

Buy Side

Total: 16,783

Broker

QTY

AVG

NET

4,998

564.48

+4,195

15.5%

3,987

562.34

+1,430

12.3%

1,535

563.86

+1,535

4.8%

983

558.96

+849

3.0%

797

565.21

+777

2.5%

796

564.40

+56

2.5%

650

560.42

+650

2.0%

500

563.00

+500

1.6%

500

560.20

+500

1.6%

450

563.01

+200

1.4%

370

563.00

+370

1.1%

325

560.46

+325

1.0%

300

562.10

+300

0.9%

300

566.40

+300

0.9%

292

566.33

+178

0.9%

Sell Side

Total: 24,328

Broker

QTY

AVG

NET

7,875

558.74

-236

24.4%

4,097

565.84

-3,084

12.7%

1,840

566.75

-533

5.7%

1,581

562.83

-1,131

4.9%

1,571

564.09

-1,171

4.9%

1,262

566.44

-1,262

3.9%

1,000

574.10

-899

3.1%

810

566.58

-238

2.5%

800

564.14

-699

2.5%

696

567.57

-696

2.2%

651

569.13

-266

2.0%

600

568.00

-35

1.9%

555

563.05

-455

1.7%

530

569.35

-85

1.6%

460

563.10

-65

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	421,472	974,750	670,768	0	-56.76%
Money at Call & Short Notice	1,860,933	616,658	166,807	0	+201.78%
Due from NRB	1,860,933	616,658	166,807	0	+201.78%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,409,295	2,522,829	1,910,935	0	-4.50%
Loans & Advances to B/FIs	78,854	92,099	174,196	0	-14.38%
Loans & Advances to Customers	2,330,441	2,430,730	1,736,739	0	-4.13%
Investments
Investment Securities	544,433	544,024	551,767	0	+0.08%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	194,938	94,346	67,252	0	+106.62%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	31,597	26,728	26,382	0	+18.22%
Deferred Tax Assets	16,197	40,503	32,014	0	-60.01%
Goodwill and Intangible Assets	20,154	22,118	22,118	0	-8.88%
Property & Equipment	127,352	147,310	170,377	0	-13.55%
Other Assets	81,013	114,640	106,924	0	-29.33%
Total Assets	5,639,436	5,014,557	3,644,830	0	+12.46%
Liabilities
Borrowings & Funding
Borrowings	76,393	74,827	218,516	0	+2.09%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	76,393	74,827	218,516	0	+2.09%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	4,443,995	3,758,353	2,244,816	0	+18.24%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	169,666	180,562	197,948	0	-6.03%
Other Liabilities & Provisions	169,666	180,562	197,948	0	-6.03%
Total Liabilities	4,690,054	4,013,743	2,661,281	0	+16.85%
Equity
Paid Up Capital	775,647	729,907	729,497	0	+6.27%
Share Premium	51,100	51,082	51,060	0	+0.04%
Reserves & Surpluses
Reserves	498,182	497,859	423,995	0	+0.06%
Reserves & Surpluses	173,736	270,907	254,052	0	-35.87%
Retained Earnings	-375,546	-278,034	-221,002	0	-35.07%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	949,382	1,000,814	983,549	0	-5.14%
Total Liabilities & Equity	5,639,436	5,014,557	3,644,830	0	+12.46%

Sector Peers — Finance (14)

Peer Comparison

Finance 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)	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	494	+0.1	+0.02%	0	0.07	112.72	68.95%	6.42	8.8	15.28	4.19	3.43	16.11	13.08%	5.51	52.92	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	646	-4.03	-0.62%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	4.41	4.83	7.67	14.17%	6.14	101.75	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	603.9	+5.92	+0.99%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	4.06	4.93	11.79	9.86%	4.14	45.04	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	455	+5.88	+1.31%	0	0.07	168.38	66.08%	4.95	6	4.05	4.59	4.49	9.33	6.37%	3.77	79.33	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	568.1	-7.89	-1.37%	0	0.06	157.88	72.52%	6.85	19.89	7.4	4.53	5.08	25.09	4.28%	4.52	26.9	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	603	+7.97	+1.34%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	4.48	3.32	7.75	2.68%	4.9	55.85	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	386.9	-1.09	-0.28%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	4.6	3.88	-13.66	59.12%	-	-75.62	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	766.7	-16.29	-2.08%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	4.59	4.41	13.8	3.99%	6.14	38.84	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	632.5	+8.49	+1.36%	0	0.06	119.31	59.04%	5.09	1.16	1.15	4.58	3.28	2.83	7.44%	7.5	578.45	558.26	29.1	0.17	0.17%	0.97	0.97%
PFL	364	0	0%	0	0.07	63.41	66.29%	10.86	9	10.62	3.86	4.96	16.94	34.34%	8.26	43.67	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	421.7	+4.51	+1.08%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	4.46	3.61	-6.13	5.58%	8.08	-116.97	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	449	+0.09	+0.02%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	4.28	3.73	6.34	10.34%	5.24	101	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	370	-4.99	-1.33%	0	0.07	60.3	76.56%	6.62	0.12	8.35	4.58	3.56	0.38	8.09%	8.78	3,308.33	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	509.8	+6.59	+1.31%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	3.78	3.49	4.76	4.02%	5.33	164.5	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	519.33	0.38	0.13%	0.01	0.069	120.43	73.12%	0.09	6.86	9.11	4.36	4.07	7.36	13.1%	6.024	314.57	-3.326	14.446	0.53	0.82%	2.84	1.97%
MED	501.9	0.09	0.02%	0	0.07	117.56	70.74%	7.36	5.6	9	4.47	3.8	7.71	7.77%	5.51	54.39	42.08	13.16	0.54	0.82%	4.51	7.63%
MAX	766.7	8.49	1.36%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	4.6	5.08	25.09	59.12%	8.78	3,308.33	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	364	-16.29	-2.08%	0	0.05	-6.46	58.1%	-104.13	-5.62	-15.65	3.78	3.28	-13.66	2.68%	3.77	-116.97	-1,226.32	7.7	-0.73	-2.06%	-34.19	-95.25%