Pokhara Finance Ltd.

FinanceHigh Cap

NPR 324.50

NPR -0.5-0.15%

09:14 AM NPT · Nov 6, 2026

Est. 2053 B.S. (Established in 1997 A.D. as a C-class financial institution licensed by Nepal Rastra Bank) · New Road, Pokhara-9, Kaski, Nepal · CEO: Prakash Gurung

Pokhara Finance Limited is a “C-class” licensed financial institution in Nepal that was originally established in 1997 AD (2053 B.S.) with head office at New Road, Pokhara-9, Kaski. Over nearly three decades of operations, PFL has expanded its network to multiple branches across various districts beyond Pokhara offering a broad set of financial services to individuals, small businesses, and retail customers. The company’s mandate includes deposit mobilisation, savings and fixed-deposit accounts, consumer and business loans, hire-purchase financing, and other standard financial-institution services meant to support trade, small entrepreneurship, housing, and general financial inclusion for underserved and semi-urban populations.PFL is publicly listed on the Nepal Stock Exchange under the symbol “PFL.” As of the recent public records, the total paid-up capital stands at approximately NPR 1.082 billion. The institution aims to channel savings from depositors and invest them into productive sectors through loans and financial services with an expressed goal to contribute to regional economic development, especially outside the Kathmandu valley. In addition to its traditional finance operations, PFL appears to engage in corporate-social responsibility (CSR) activities: for example, in 2025, on the occasion of its anniversary, the company organised a blood-donation program involving staff and the public indicating a degree of community engagement and social commitment beyond pure finance services.

www.pokharafinance.com.np/facebook

Trading

Open

325.00

High

325.00

Low

322.10

Prev Close

325.00

Volume

4,944

Turnover

Rs 1,603,435.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.37

EPS TTM

13.37

BVPS

70.01

P/E Ann.

24.27

P/E TTM

24.27

Graham #

145.12

Capital

Mkt Cap

6.2 Arab

Total

1.91 Crore

Public

76.41 Lakh

Promoter

1.15 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

38.74

ADX

27.69

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

327.57

SMA 50

348.3

Bands & Channels

BB Width %

5.18%

Volume & Flow

OBV

4,149,151

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

36,788

Shares Bought

Total Sell

36,788

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

8,565

Amount

2,803,515

Avg Rate

327.32

Rank

#13

Brokers

#81#41#45#52

Distributors

Quantity

10,151

Amount

3,318,001

Avg Rate

326.86

Rank

#10

Brokers

#58#25

Net Flow Impact:

-1,586units

(Rs. -514,486)

Net Flow by Timeframe

PFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,924 ]

Buy Side

Total: 22,467

Broker

QTY

AVG

NET

2,710

325.48

+2,710

7.4%

2,673

329.29

+2,673

7.3%

2,554

325.96

+871

6.9%

1,857

329.12

+1,650

5.0%

1,810

328.08

+1,139

4.9%

1,725

327.35

+581

4.7%

1,332

325.43

+1,280

3.6%

1,325

324.60

+1,297

3.6%

1,300

324.94

+905

3.5%

1,005

326.32

+515

2.7%

1,000

326.30

+1,000

2.7%

848

325.21

+605

2.3%

816

332.26

+564

2.2%

812

328.62

+762

2.2%

700

327.14

+700

1.9%

Sell Side

Total: 29,457

Broker

QTY

AVG

NET

5,251

327.95

-3,799

14.3%

4,900

325.70

-3,350

13.3%

3,103

327.45

-2,383

8.4%

2,761

323.93

-2,441

7.5%

2,618

326.62

-1,373

7.1%

2,500

328.48

-1,322

6.8%

1,784

326.44

-1,114

4.8%

1,392

326.79

-1,166

3.8%

1,245

327.90

-901

3.4%

1,028

326.93

-993

2.8%

880

325.00

-280

2.4%

800

323.07

-450

2.2%

455

328.45

-265

1.2%

400

325.00

-400

1.1%

340

329.60

-123

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	772,908	1,005,163	2,035,884	0	-23.11%
Money at Call & Short Notice	1,610,148	674,006	545,172	0	+138.89%
Due from NRB	1,610,148	674,006	545,172	0	+138.89%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	6,021,992	4,826,542	8,604,177	0	+24.77%
Loans & Advances to B/FIs	85,122	14,759	655,538	0	+476.75%
Loans & Advances to Customers	5,936,870	4,811,783	7,948,640	0	+23.38%
Investments
Investment Securities	2,136,725	201,536	2,823,283	0	+960.22%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	671,234	481,667	81,300	0	+39.36%
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	90,300	68,296	98,972	0	+32.22%
Deferred Tax Assets	326,653	388,490	250,055	0	-15.92%
Goodwill and Intangible Assets	4,241	1,322	1,178	0	+220.79%
Property & Equipment	381,421	162,866	174,909	0	+134.19%
Other Assets	485,291	571,067	520,178	0	-15.02%
Total Assets	12,079,719	7,922,846	14,784,902	0	+52.47%
Liabilities
Borrowings & Funding
Borrowings	49,216	25,212	16,930	0	+95.21%
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	49,216	25,212	16,930	0	+95.21%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	10,433,044	7,129,271	13,195,034	0	+46.34%
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	266,330	187,177	235,988	0	+42.29%
Other Liabilities & Provisions	266,330	187,177	235,988	0	+42.29%
Total Liabilities	10,748,590	7,341,660	13,447,952	0	+46.41%
Equity
Paid Up Capital	1,901,468	1,082,557	1,082,557	0	+75.65%
Share Premium	19,703	0	0	0	-
Reserves & Surpluses
Reserves	1,240,057	1,058,758	723,226	0	+17.12%
Reserves & Surpluses	-570,338	-501,371	254,394	0	-13.76%
Retained Earnings	-1,830,098	-1,560,128	-468,832	0	-17.30%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,331,130	581,186	1,336,950	0	+129.04%
Total Liabilities & Equity	12,079,719	7,922,846	14,784,902	0	+52.47%

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)	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)%
BFC	455	+0.09	+0.02%	0	0.06	113.08	70.53%	6.46	7.84	7.84	141.23	4.1	2.83	15	10.7%	4.55	65.63	0.02	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	192.19	4.42	4.61	19.95	10.12%	4.98	45.31	1	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	266.51	4.21	3.45	13.78	6.27%	2.8	39.45	0.01	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	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	1.44	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	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	0.07	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	308.41	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	2.06	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	348.33	4.39	4.44	17.93	3.43%	3.99	27.72	1.38	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	156.24	4.54	3.59	20.58	3.3%	4.88	66.67	0.5	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	479	+1	+0.21%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	-	4.55	3.42	-20.62	13.83%	4.51	-62.01	-	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PROFL	375	+2.2	+0.59%	0	0.06	83.84	69.6%	11.52	5.92	5.92	105.68	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	108.86	4.15	3.11	6.44	6.55%	3.85	99.78	5.15	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	106.44	4.58	3.56	0.38	8.09%	8.78	3,308.33	32.34	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	120.56	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	483.31	0.03	-0.03%	0	0.066	128.5	73.38%	-44.65	9.48	10.07	190.85	4.34	4.04	10.4	10.76%	4.334	300.31	4.397	60.549	8.881	0.7	0.84%	15.29	16.33%
MED	473	0.24	0.05%	0	0.07	122.67	70.96%	6.65	6.88	8.09	148.74	4.4	3.58	11.52	6.41%	3.99	66.15	1.19	53.31	7.32	0.75	0.93%	7.22	7.29%
MAX	680	4	0.66%	0.01	0.08	211.01	93.39%	11.52	27.85	27.85	348.33	4.6	7.93	31.55	61.55%	8.78	3,308.33	32.34	214.81	22.6	1.99	1.99%	127.85	127.85%
MIN	274.2	-7.02	-1.37%	0	0.06	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	1.55%	2.8	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%