Nepal Finance Ltd.

FinanceLow Cap

NPR 479.00

NPR +1+0.21%

09:14 AM NPT · Nov 6, 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

482.00

High

482.00

Low

475.00

Prev Close

478.00

Volume

2,753

Turnover

Rs 1,319,136.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

-8.95

EPS TTM

-8.95

BVPS

123.18

P/E Ann.

-53.52

P/E TTM

-53.52

Graham #

N/A

Capital

Mkt Cap

3.92 Arab

Total

81.84 Lakh

Public

32.73 Lakh

Promoter

49.1 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

45.42

ADX

25.38

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

476.48

SMA 50

499.15

Bands & Channels

BB Width %

8.92%

Volume & Flow

OBV

7,308,064

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

24,896

Shares Bought

Total Sell

24,896

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

7,777

Amount

3,760,671

Avg Rate

483.56

Rank

#10

Brokers

#58#59#32#43

Distributors

Quantity

6,861

Amount

3,295,930

Avg Rate

480.39

Rank

#11

Brokers

#49#62

Net Flow Impact:

+916units

(Rs. 464,741)

Net Flow by Timeframe

NFS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 35,228 ]

Buy Side

Total: 18,240

Broker

QTY

AVG

NET

2,354

482.31

+2,054

9.5%

2,074

482.20

+1,059

8.3%

2,044

480.08

+882

8.2%

1,867

486.98

+1,509

7.5%

1,482

483.15

+1,382

6.0%

1,332

478.44

+130

5.3%

1,000

486.50

+358

4.0%

962

480.69

+27

3.9%

855

483.49

+782

3.4%

850

488.94

+576

3.4%

840

473.35

+840

3.4%

800

478.35

+730

3.2%

618

475.07

+518

2.5%

600

478.00

+498

2.4%

562

488.50

+122

2.3%

Sell Side

Total: 16,988

Broker

QTY

AVG

NET

5,546

479.68

-4,993

22.3%

1,697

480.56

-365

6.8%

1,647

486.96

-1,124

6.6%

1,315

483.35

-1,315

5.3%

1,220

482.64

-1,220

4.9%

1,000

481.70

-1,000

4.0%

979

481.21

-979

3.9%

649

484.90

-649

2.6%

565

489.69

-565

2.3%

560

475.75

-543

2.3%

430

486.40

-430

1.7%

400

480.26

-400

1.6%

400

486.78

-400

1.6%

300

484.33

-100

1.2%

280

485.51

-40

1.1%

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	455	+0.09	+0.02%	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	598	-7.02	-1.16%	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	560.1	+2.29	+0.41%	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	418	-0.8	-0.19%	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	498	-3.01	-0.6%	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	610	+4	+0.66%	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	274.2	-3.81	-1.37%	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	680	+2.98	+0.44%	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	570	+0.4	+0.07%	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	324.5	-0.49	-0.15%	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	375	+2.2	+0.59%	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	412	+0.08	+0.02%	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	467	+2	+0.43%	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	472.27	-0.08	-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	461	0.09	0.02%	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	680	4	0.66%	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	274.2	-7.02	-1.37%	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%