Nepal Finance Ltd.

FinanceLow Cap

NPR 470.00

NPR +5+1.08%

09:14 AM NPT · Oct 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

nepalfinance.com.np/facebook X

Trading

Open

465.00

High

474.80

Low

465.00

Prev Close

465.00

Volume

1,777

Turnover

Rs 835,425.5

Txns

Valuation · Q4 FY25/26

EPS Ann.

-8.95

EPS TTM

-8.95

BVPS

123.18

P/E Ann.

-52.51

P/E TTM

-52.51

Graham #

N/A

Capital

Mkt Cap

3.57 Arab

Total

75.94 Lakh

Public

30.38 Lakh

Promoter

45.57 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

35.13

ADX

35.63

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

484.27

SMA 50

520.15

Bands & Channels

BB Width %

12.63%

Volume & Flow

OBV

7,284,283

Flow Analysis

[ Live 2026-10-14 ]

Total Buy

22,619

Shares Bought

Total Sell

22,619

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

6,762

Amount

3,166,883

Avg Rate

468.34

Rank

#13

Brokers

#44#58#57

Distributors

Quantity

7,561

Amount

3,530,465

Avg Rate

466.93

Rank

#11

Brokers

#39#1#7

Net Flow Impact:

-799units

(Rs. -363,582)

Net Flow by Timeframe

NFS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 30,900 ]

Buy Side

Total: 14,739

Broker

QTY

AVG

NET

3,042

466.69

+2,710

13.4%

2,357

468.83

+1,291

10.4%

1,363

471.17

+1,253

6.0%

1,239

471.24

+1,139

5.5%

1,222

468.57

+1,162

5.4%

1,023

469.25

+885

4.5%

805

467.96

+475

3.6%

710

468.68

+459

3.1%

704

471.49

+354

3.1%

574

469.02

+29

2.5%

500

470.52

+500

2.2%

308

468.69

+108

1.4%

300

470.33

+100

1.3%

300

472.00

+300

1.3%

292

474.30

+292

1.3%

Sell Side

Total: 16,161

Broker

QTY

AVG

NET

4,203

466.66

-2,803

18.6%

2,358

468.23

-2,358

10.4%

1,104

470.13

-123

4.9%

1,045

469.93

-995

4.6%

1,024

469.63

-444

4.5%

1,022

471.24

-517

4.5%

1,000

465.00

-1,000

4.4%

895

468.96

-165

4.0%

832

470.13

-492

3.7%

722

471.45

-422

3.2%

493

470.15

-438

2.2%

400

463.98

-365

1.8%

390

470.00

-390

1.7%

341

471.00

-70

1.5%

332

468.17

-212

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	496,794	1,345,446	735,276	0	-63.08%
Money at Call & Short Notice	1,843,841	340,701	262,054	0	+441.19%
Due from NRB	1,843,841	340,701	262,054	0	+441.19%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,455,445	2,586,224	2,193,840	0	-5.06%
Loans & Advances to B/FIs	72,528	91,055	174,196	0	-20.35%
Loans & Advances to Customers	2,382,917	2,495,169	2,019,644	0	-4.50%
Investments
Investment Securities	473,180	544,669	471,049	0	-13.13%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	194,938	179,065	54,427	0	+8.86%
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	31,622	21,031	19,189	0	+50.36%
Deferred Tax Assets	17,196	40,503	32,014	0	-57.55%
Goodwill and Intangible Assets	20,016	22,172	22,118	0	-9.72%
Property & Equipment	125,045	147,349	169,098	0	-15.14%
Other Assets	79,779	100,630	91,879	0	-20.72%
Total Assets	5,669,021	5,244,085	3,977,623	0	+8.10%
Liabilities
Borrowings & Funding
Borrowings	76,613	137,836	232,430	0	-44.42%
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	76,613	137,836	232,430	0	-44.42%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	4,458,877	3,880,260	2,554,506	0	+14.91%
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	174,983	182,704	186,909	0	-4.23%
Other Liabilities & Provisions	174,983	182,704	186,909	0	-4.23%
Total Liabilities	4,710,474	4,200,799	2,973,845	0	+12.13%
Equity
Paid Up Capital	778,147	759,447	729,907	0	+2.46%
Share Premium	51,100	51,100	51,082	0	0.00%
Reserves & Surpluses
Reserves	494,399	520,703	431,019	0	-5.05%
Reserves & Surpluses	180,400	283,839	273,872	0	-36.44%
Retained Earnings	-365,099	-287,964	-208,229	0	-26.79%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	958,547	1,043,286	1,003,779	0	-8.12%
Total Liabilities & Equity	5,669,021	5,244,085	3,977,623	0	+8.10%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q4

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	445	+4.01	+0.91%	0	0.06	113.08	70.53%	6.46	7.84	7.84	4.1	2.83	15	10.7%	4.55	65.63	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	550.9	-14.13	-2.5%	0.01	0.07	122.15	59.89%	7.58	13.44	13.44	4.42	4.61	19.95	10.12%	4.98	45.31	43.15	9.04	1.35	1.35%	11.38	11.38%
GFCL	550	+0.88	+0.16%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	4.21	3.45	13.78	6.27%	2.8	39.45	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	411	+1.6	+0.39%	0	0.06	157.55	66.24%	5.29	4.56	4.56	4.34	4.02	7.53	5.2%	2.86	98.68	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	495	+10.99	+2.27%	0	0.06	167.43	72.62%	6.68	25.28	25.28	4.57	5.07	31.55	13.32%	3.23	21.36	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	612.7	+6.73	+1.11%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	4.09	3.35	14.65	1.55%	3.11	26.38	27.14	3.87	1.06	1.06%	11.93	11.93%
JFL	267	-0.99	-0.37%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	4.6	7.93	2.62	61.55%	-	283.7	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	766	-8.99	-1.16%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	4.39	4.44	17.93	3.43%	3.99	27.72	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	575	+0.98	+0.17%	0	0.06	121.76	64.49%	5.15	8.91	8.91	4.54	3.59	20.58	3.3%	4.88	66.67	67.12	13.73	1.27	1.27%	7.18	7.18%
PFL	326	+3	+0.93%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	4.16	2.92	46.28	20.84%	5.2	27.23	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	367	-1.1	-0.3%	0	0.06	83.84	69.6%	11.52	5.92	5.92	4.55	3.5	9.25	3.01%	5.16	73.14	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	413	+0.99	+0.24%	0	0.07	116.78	85.02%	8.56	4.51	4.51	4.15	3.11	6.44	6.55%	3.85	99.78	94.68	6.43	0.44	0.44%	3.97	3.97%
SFCL	370	0	0%	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	469	-4.79	-1.01%	0	0.07	139.82	71.39%	6.47	4.62	4.62	3.68	3.69	6.54	3.74%	3.64	110.17	104.85	7.21	0.45	0.45%	3.27	3.27%

AVG	472.69	-0.06	0.06%	0	0.066	124.7	73.86%	-44.43	11.08	11.66	4.31	4.01	15.18	11.26%	4.387	306.68	66.548	8.866	0.97	1.11%	17.69	18.72%
MED	457	0.93	0.17%	0	0.07	121.96	70.96%	6.89	8.38	8.63	4.37	3.58	14.22	6.41%	3.99	66.15	53.31	7.32	0.93	1.01%	7.29	9.36%
MAX	766	10.99	2.27%	0.01	0.08	211.01	93.39%	11.52	27.85	27.85	4.6	7.93	46.28	61.55%	8.78	3,308.33	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	267	-14.13	-2.5%	0	0.05	-0.89	59.89%	-721.99	0.12	1.35	3.68	2.83	0.38	1.55%	2.8	21.36	20.17	3.87	0.03	0.19%	0.2	2.93%