Pokhara Finance Ltd.

FinanceMid Cap

NPR 364.00

NPR 00.00%

05:11 AM NPT · Sep 11, 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

364.00

High

364.00

Low

364.00

Prev Close

364.00

Volume

Turnover

N/A

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.37

EPS TTM

13.37

BVPS

70.01

P/E Ann.

27.23

P/E TTM

27.23

Graham #

145.12

Capital

Mkt Cap

3.94 Arab

Total

1.08 Crore

Public

43.3 Lakh

Promoter

64.95 Lakh

NEPSE Chart

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PFL — Broker Breakdown (7D)

0 Buyers0 Sellers

[ Vol: 0 ]

Buy Side

Total: 0

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No buyers

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Total: 0

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No sellers

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	434	+13.99	+3.33%	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	60.46	9.85	0.95	0.95%	6.58	6.58%
CFCL	584.7	-1.29	-0.22%	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	1.04	44.57	9.04	1.35	1.35%	11.38	11.38%
GFCL	561.3	-5.61	-0.99%	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	39.44	5.44	0.91	0.91%	7.33	7.33%
GMFIL	413.8	+3	+0.73%	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	1.48	96.67	7.43	0.46	0.46%	2.93	2.93%
GUFL	495	+14.98	+3.12%	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	0.08	20.57	6.74	1.99	1.99%	16.31	16.31%
ICFC	586.8	+6.33	+1.09%	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	-	26.69	3.87	1.06	1.06%	11.93	11.93%
JFL	280	+2	+0.72%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	2.69	281.48	7.44	0.19	0.19%	127.85	127.85%
MFIL	728	+2.03	+0.28%	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	1.36	26.82	4.97	1.37	1.37%	14.87	14.87%
MPFL	537	-32.52	-5.71%	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	0.51	68.55	13.73	1.27	1.27%	7.18	7.18%
NFS	483	+12.01	+2.55%	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	-	-61.46	12.8	-1.27	-1.27%	-6.95	-6.95%
PROFL	371	+2.91	+0.79%	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	-	68.07	6.78	0.59	0.59%	7.25	7.25%
RLFL	419	+3.12	+0.75%	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	5.25	96.45	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	470	+3.22	+0.69%	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	-	107.58	7.21	0.45	0.45%	3.27	3.27%

AVG	480.97	1.73	0.51%	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	4.478	65.952	8.881	0.7	0.84%	15.29	16.33%
MED	476.5	2.95	0.73%	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	1.2	53.95	7.32	0.75	0.93%	7.22	7.29%
MAX	728	14.98	3.33%	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	281.48	22.6	1.99	1.99%	127.85	127.85%
MIN	280	-32.52	-5.71%	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	-61.46	3.87	-1.27	-1.27%	-6.95	-6.95%