Pokhara Finance Ltd.
NPR 364.00
09:14 AM NPT · Jul 9, 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.
Trading
Open
358.00
High
364.90
Low
355.20
Prev Close
364.00
Volume
4,397
Turnover
Rs 1,575,119.8
Txns
46
Valuation · Q3 FY25/26
EPS Ann.
9.00
EPS TTM
10.62
BVPS
63.41
P/E Ann.
40.44
P/E TTM
34.27
Graham #
113.32
Capital
Mkt Cap
3.94 Arab
Total
1.08 Crore
Public
43.3 Lakh
Promoter
64.95 Lakh
Technical Analysis
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PFL — Broker Breakdown (7D)
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Financial Fundamentals
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) | 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 | 494.5 | +2.51 | +0.51% | 0 | 0.07 | 112.72 | 68.95% | 6.42 | 8.8 | 15.28 | 196.86 | 4.19 | 3.43 | 16.11 | 13.08% | 5.51 | 52.92 | 0.33 | 33.64 | 15.16 | 1.11 | 1.93% | 7.87 | 13.66% |
CFCL | 652.8 | -5.2 | -0.79% | 0.01 | 0.07 | 114.62 | 58.1% | 8.15 | 5.19 | 11.5 | 172.21 | 4.41 | 4.83 | 7.67 | 14.17% | 6.14 | 101.75 | 1.04 | 54.78 | 13.89 | 0.52 | 1.18% | 4.71 | 10.43% |
GFCL | 600 | -1.99 | -0.33% | 0.01 | 0.07 | 207.18 | 68.56% | 8.12 | 14.28 | 9.64 | 211.98 | 4.06 | 4.93 | 11.79 | 9.86% | 4.14 | 45.04 | 0.08 | 69.4 | 9.45 | 0.81 | 0.54% | 7 | 4.72% |
GMFIL | 454.2 | -2.79 | -0.61% | 0 | 0.07 | 168.38 | 66.08% | 4.95 | 6 | 4.05 | 123.87 | 4.59 | 4.49 | 9.33 | 6.37% | 3.77 | 79.33 | 2.05 | 122.35 | 13.16 | 0.6 | 0.41% | 3.69 | 2.5% |
GUFL | 572 | -0.97 | -0.17% | 0 | 0.06 | 157.88 | 72.52% | 6.85 | 19.89 | 7.4 | 162.13 | 4.53 | 5.08 | 25.09 | 4.28% | 4.52 | 26.9 | 0.09 | 78.51 | 12 | 1.6 | 0.59% | 12.97 | 4.83% |
ICFC | 601 | +4 | +0.67% | 0.01 | 0.07 | 176.61 | 83.34% | 11.29 | 11.62 | 21.38 | 291.48 | 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 | 380.5 | -6.38 | -1.65% | 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 | 764.8 | +3.8 | +0.5% | 0.01 | 0.08 | 182.2 | 84.99% | 10.13 | 21.6 | 26.8 | 331.46 | 4.59 | 4.41 | 13.8 | 3.99% | 6.14 | 38.84 | 1.33 | 30.03 | 9.54 | 1.12 | 1.39% | 12.25 | 15.21% |
MPFL | 620 | -3.62 | -0.58% | 0 | 0.06 | 119.31 | 59.04% | 5.09 | 1.16 | 1.15 | 55.56 | 4.58 | 3.28 | 2.83 | 7.44% | 7.5 | 578.45 | - | 558.26 | 29.1 | 0.17 | 0.17% | 0.97 | 0.97% |
NFS | 562.1 | +1.9 | +0.34% | 0.01 | 0.06 | 122.4 | 59.08% | 4.94 | -13.52 | -7.55 | - | 4.57 | 3.21 | -31.78 | 14.32% | 6.72 | -45.64 | - | -82.12 | 25.8 | -1.96 | -1.09% | -10.75 | -6% |
PROFL | 417.5 | +1.5 | +0.36% | 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 | 447.1 | +1.11 | +0.25% | 0.01 | 0.08 | 115.8 | 81.84% | 7.86 | 4.51 | 22.77 | 243.57 | 4.28 | 3.73 | 6.34 | 10.34% | 5.24 | 101 | 0.9 | 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 | 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 | 503.1 | -2.48 | -0.49% | 0.01 | 0.07 | 139.08 | 72.92% | 6.5 | 3.38 | 4.62 | 120.24 | 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 | 531.4 | -0.97 | -0.24% | 0.01 | 0.068 | 124.65 | 72.6% | -0.33 | 5.25 | 7.81 | 183.25 | 4.41 | 3.95 | 3.88 | 11.67% | 5.905 | 308.19 | 4.77 | -11.814 | 15.349 | 0.3 | 0.64% | 0.93 | 0.19% |
| MED | 532.6 | -1.48 | -0.25% | 0 | 0.07 | 120.86 | 70.74% | 6.73 | 4.85 | 7.88 | 172.21 | 4.51 | 3.67 | 7.01 | 7.77% | 5.51 | 54.39 | 0.97 | 40.54 | 13.525 | 0.5 | 0.57% | 4 | 4.78% |
| MAX | 764.8 | 4 | 0.67% | 0.01 | 0.08 | 207.18 | 96.39% | 12.58 | 21.6 | 26.8 | 331.46 | 4.6 | 5.08 | 25.09 | 59.12% | 8.78 | 3,308.33 | 32.34 | 558.26 | 29.1 | 1.6 | 2.42% | 12.97 | 21.8% |
| MIN | 370 | -6.38 | -1.65% | 0 | 0.05 | -6.46 | 58.1% | -104.13 | -13.52 | -15.65 | 55.56 | 3.78 | 3.21 | -31.78 | 2.68% | 3.77 | -116.97 | 0.08 | -1,226.32 | 7.7 | -1.96 | -2.06% | -34.19 | -95.25% |