Pokhara Finance Ltd.

FinanceLow Cap

NPR 369.00

NPR +2+0.54%

09:14 AM NPT · May 15, 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

372.90

High

372.90

Low

362.00

Prev Close

367.00

Volume

3,517

Turnover

Rs 1,288,817

Txns

Valuation · Q2 FY25/26

EPS Ann.

43.20

EPS TTM

91.05

BVPS

78.22

P/E Ann.

8.54

P/E TTM

4.05

Graham #

275.74

Capital

Mkt Cap

3.99 Arab

Total

1.08 Crore

Public

43.3 Lakh

Promoter

64.95 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

35.12

ADX

43.35

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

378.82

SMA 50

392.86

Bands & Channels

BB Width %

6.32%

Volume & Flow

OBV

4,268,565

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

29,675

Shares Bought

Total Sell

29,675

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

8,930

Amount

3,319,816

Avg Rate

371.76

Rank

#12

Brokers

#13#57#34#36

Distributors

Quantity

14,088

Amount

5,215,681

Avg Rate

370.22

Rank

Brokers

#29#35

Net Flow Impact:

-5,158units

(Rs. -1,895,865)

Net Flow by Timeframe

PFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 44,287 ]

Buy Side

Total: 22,779

Broker

QTY

AVG

NET

3,404

373.98

+1,958

11.5%

2,604

369.21

+2,603

8.8%

2,411

370.89

+958

8.1%

2,026

372.32

+1,001

6.8%

1,841

368.91

+617

6.2%

1,801

371.19

+880

6.1%

1,752

374.70

+1,706

5.9%

1,290

367.92

+560

4.3%

1,190

376.82

+906

4.0%

1,170

366.58

+1,127

3.9%

831

369.74

+731

2.8%

731

365.27

+680

2.5%

624

369.45

+624

2.1%

580

375.76

+453

1.9%

524

377.18

+518

1.8%

Sell Side

Total: 21,508

Broker

QTY

AVG

NET

8,930

370.47

-8,930

30.1%

5,158

369.79

-4,843

17.4%

1,172

366.43

-636

4.0%

1,000

369.00

-1,000

3.4%

950

379.36

-64

3.2%

840

375.39

-710

2.8%

687

367.55

-610

2.3%

600

384.42

-400

2.0%

461

367.05

-390

1.6%

371

368.12

-271

1.3%

350

375.19

-350

1.2%

333

376.16

-13

1.1%

268

376.50

-68

0.9%

200

363.05

-200

0.7%

188

369.01

-36

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,174,295,073	858,578,845	1,502,846,127	1,456,359,012	+36.77%
Money at Call & Short Notice	342,363,039	862,531,512	486,799,916	558,347,400	-60.31%
Due from NRB	342,363,039	862,531,512	486,799,916	458,347,400	-60.31%
Placement with B/FIs	0.00	0.00	0.00	100000000.00	-
Loans & Advances
Loans and Advances	4,340,416,567	6,691,736,359	9,443,468,860	9,965,352,777	-35.14%
Loans & Advances to B/FIs	2,875,395	291,272,944	735,978,126	935,150,641	-99.01%
Loans & Advances to Customers	4,337,541,172	6,400,463,415	8,707,490,734	9,030,202,136	-32.23%
Investments
Investment Securities	1,505,739,039	2,001,790,517	2,239,964,488	1,098,718,629	-24.78%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	431,467,348	81,299,768	0	0	+430.71%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	60,725,788	99,518,290	86,360,827	50,003,375	-38.98%
Deferred Tax Assets	272,234,272	471,736,871	9,049,274	23,147,438	-42.29%
Goodwill and Intangible Assets	1,077,118	861,110	2,378,812	2,253,387	+25.08%
Property & Equipment	238,044,827	169,405,038	179,267,808	185,019,010	+40.52%
Other Assets	95,290,633	165,786,941	176,885,167	61,656,817	-42.52%
Total Assets	8,461,653,704	11,403,245,251	14,127,021,279	13,400,857,845	-25.80%
Liabilities
Borrowings & Funding
Borrowings	15,648,130	47,908,719	121,712,881	578,825,730	-67.34%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	15,648,130	47,908,719	121,712,881	578,825,730	-67.34%
Due to NRB	0.00	0.00	0.00	0.00	-
Deposits	7,389,071,078	10,559,104,788	12,288,841,651	11,213,599,471	-30.02%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	210,182,929	212,028,803	252,378,615	153,637,257	-0.87%
Other Liabilities & Provisions	210,182,929	212,028,803	252,378,615	153,637,257	-0.87%
Total Liabilities	7,614,902,137	10,819,042,310	12,662,933,147	11,946,062,458	-29.62%
Equity
Paid Up Capital	1,082,556,605	1,082,556,605	1,082,556,605	1,040,919,813	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	992,937,804	1,053,741,018	613,910,699	450,042,358	-5.77%
Reserves & Surpluses	-235,805,039	-498,353,664	381,531,526	413,875,574	+52.68%
Retained Earnings	-1,228,742,843	-1,552,094,682	-232,379,173	-36,166,784	+20.83%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	846,751,566	584,202,941	1,464,088,132	1,454,795,387	+44.94%
Total Liabilities & Equity	8,461,653,703	11,403,245,251	14,127,021,279	13,400,857,845	-25.80%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
BFC	454.1	-0.91	-0.2%	0	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	494	+2.02	+0.41%	0	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GFCL	625.8	+10.82	+1.76%	0.01	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GMFIL	452.4	-2.59	-0.57%	0	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	520.1	+0.62	+0.12%	0	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	620	-1.93	-0.31%	0.01	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	405.6	-1.38	-0.34%	0	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	797	+3.97	+0.5%	0.01	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	614	+9.01	+1.49%	0	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	562.9	-1.13	-0.2%	0	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PROFL	435	0	0%	0	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
RLFL	431	+0.99	+0.23%	0	0.07	112.03	79.11%	0.31	14.64	192.1	4.59%	3.32%	9.09%	0.46%	7.59	1,370.97	14.21	1,441.94	30.53	25.77	0.02%	1.6%	0.28%	13.99%
SFCL	367	+3.81	+1.05%	0	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	530.9	+5.88	+1.12%	0.01	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	522.13	2.08	0.36%	0	0.069	125.46	73.04%	4	4.21	183.21	4.43%	3.81%	12.4%	1.75%	8.552	280.437	2.211	291.126	-55.897	41.836	0.15%	0.27%	1.96%	-2.99%
MED	507.05	0.81	0.18%	0	0.07	119.91	72.58%	2.95	6.69	169.85	4.57%	3.53%	8.24%	4.33%	8.67	118.56	0.025	118.33	31.535	28.385	0.29%	0.67%	2.69%	4.56%
MAX	797	10.82	1.76%	0.01	0.09	256.65	94.01%	23.61	24.61	311.55	4.6%	7.04%	53.8%	19.61%	12.34	1,370.97	14.21	1,441.94	335.16	163.27	1.4%	2.83%	11.72%	21.26%
MIN	367	-2.59	-0.57%	0	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.84%	2.48%	3.51%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-4.91%	-18%	-120.61%