Pokhara Finance Ltd.

FinanceLow Cap

NPR 366.00

NPR +2+0.55%

09:14 AM NPT · Jun 26, 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

364.00

High

376.90

Low

362.70

Prev Close

364.00

Volume

5,346

Turnover

Rs 1,968,365.7

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

9.00

EPS TTM

10.62

BVPS

63.41

P/E Ann.

40.67

P/E TTM

34.46

Graham #

113.32

Capital

Mkt Cap

3.96 Arab

Total

1.08 Crore

Public

43.3 Lakh

Promoter

64.95 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

26.78

ADX

14.1

Overall Score

36
Below Line

Technical Score

Moving Averages

SMA 20

376.35

SMA 50

377.11

Bands & Channels

BB Width %

7.99%

Volume & Flow

OBV

4,259,994

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

20,676

Shares Bought

Total Sell

20,676

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

55

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

3

Quantity

5,038

Amount

1,851,242

Avg Rate

367.46

Rank

#15

Brokers

#4#34#57

Distributors

3

Quantity

4,365

Amount

1,611,470

Avg Rate

369.18

Rank

#15

Brokers

#81#59#51

Net Flow Impact:

+673units
(Rs. 239,772)

Net Flow by Timeframe

PFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 27,717 ]

Buy Side

Total: 12,738

Broker

QTY

AVG

NET

%

57

1,980

367.55

+1,073

9.6%

34

1,937

365.92

+1,077

9.4%

4

1,121

369.94

+1,121

5.4%

17

985

366.04

+984

4.8%

48

855

369.82

+459

4.1%

11

840

366.13

+840

4.1%

43

795

363.92

+485

3.9%

62

743

370.25

+240

3.6%

33

673

367.01

+673

3.3%

53

634

362.58

+634

3.1%

8

500

372.50

+490

2.4%

52

493

376.86

+50

2.4%

14

462

363.74

+51

2.2%

47

450

366.00

+450

2.2%

7

270

361.48

+270

1.3%

Sell Side

Total: 14,979

Broker

QTY

AVG

NET

%

58

2,600

366.58

-1,112

12.6%

51

1,871

369.28

-1,229

9.1%

45

1,395

366.78

-367

6.8%

42

1,308

363.93

-251

6.3%

81

1,262

371.89

-1,262

6.1%

59

1,232

366.25

-1,232

6.0%

36

1,061

361.92

-318

5.1%

49

913

366.36

-712

4.4%

38

815

365.66

-405

3.9%

5

610

370.10

-610

3.0%

60

500

368.28

-500

2.4%

74

385

366.21

-335

1.9%

41

347

367.38

-222

1.7%

10

343

364.91

-343

1.7%

6

337

369.50

-187

1.6%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent1,438,251393,9601,978,6150+265.08%
Money at Call & Short Notice342,511486,196543,1640-29.55%
Due from NRB342,511486,196543,1640-29.55%
Placement with B/FIs0.000.000.000-
Loans & Advances
Loans and Advances3,731,3965,874,7179,051,5060-36.48%
Loans & Advances to B/FIs0.005469.39684562.110-100.00%
Loans & Advances to Customers3,731,3965,869,2478,366,9440-36.42%
Investments
Investment Securities1,453,18665,7992,583,0070+2108.52%
Investment in Subsidiaries0.000.000.000-
Investment in Associates0.000.000.000-
Investment Property453,473188,79100+140.20%
Other Assets
Derivative Financial Instruments0.000.000.000-
Other Trading Assets0.000.000.000-
Current Tax Assets50,73562,308101,3720-18.57%
Deferred Tax Assets336,827495,24082,0810-31.99%
Goodwill and Intangible Assets954.60754.552047.480+26.51%
Property & Equipment235,230165,657177,8280+42.00%
Other Assets485,377677,013374,7610-28.31%
Total Assets8,139,4237,852,13314,708,8810+3.66%
Liabilities
Borrowings & Funding
Borrowings11,282152,143189,2250-92.58%
Borrowing0.000.000.000-
Debt Securities Issued0.000.000.000-
Subordinated Liabilities0.000.000.000-
Interbank & NRB
Due to B/FIs11,282152,143189,2250-92.58%
Due to NRB0.000.000.000-
Deposits7,250,4616,997,68113,027,9210+3.61%
Other Liabilities
Provisions0.000.000.000-
Current Tax Liabilities0.000.000.000-
Deferred Tax Liabilities0.000.000.000-
Other Liabilities191,281174,554232,0750+9.58%
Other Liabilities & Provisions191,281174,554232,0750+9.58%
Total Liabilities7,453,0247,324,37813,449,2210+1.76%
Equity
Paid Up Capital1,082,5571,082,5571,082,55700.00%
Share Premium0.000.000.000-
Reserves & Surpluses
Reserves1,009,5571,080,358635,9660-6.55%
Reserves & Surpluses-396,158-554,802177,1040+28.59%
Retained Earnings-1,405,715-1,635,159-458,8620+14.03%
Non-Controlling Interest0.000.000.000-
Total Equity686,398527,7551,259,6610+30.06%
Total Liabilities & Equity8,139,4237,852,13314,708,8810+3.66%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

BFC

513-2.01-0.39%00.07112.7268.95%6.428.815.28196.864.193.4316.1113.08%5.5152.920.3333.6415.161.111.93%7.8713.66%

CFCL

619.5-5.31-0.85%0.010.07114.6258.1%8.155.1911.5172.214.414.837.6714.17%6.14101.751.0454.7813.890.521.18%4.7110.43%

GFCL

630-2.91-0.46%0.010.07207.1868.56%8.1214.289.64211.984.064.9311.799.86%4.1445.040.0869.49.450.810.54%74.72%

GMFIL

471.4-3.61-0.76%00.07168.3866.08%4.9564.05123.874.594.499.336.37%3.7779.332.05122.3513.160.60.41%3.692.5%

GUFL

545-6.4-1.16%00.06157.8872.52%6.8519.897.4162.134.535.0825.094.28%4.5226.90.0978.51121.60.59%12.974.83%

ICFC

625+4.1+0.66%0.010.07176.6183.34%11.2911.6221.38291.484.483.327.752.68%4.955.85-30.367.70.571.05%6.6812.29%

JFL

40100%00.05-6.4696.39%-104.13-5.62-15.65-4.63.88-13.6659.12%--75.62--27.3918.39-0.73-2.06%-34.19-95.25%

MFIL

790+12.21+1.57%0.010.08182.284.99%10.1321.626.8331.464.594.4113.83.99%6.1438.841.3330.039.541.121.39%12.2515.21%

MPFL

615.5-1.48-0.24%00.06119.3159.04%5.091.161.1555.564.583.282.837.44%7.5578.45-558.2629.10.170.17%0.970.97%

NFS

580-5.98-1.02%0.010.06122.459.08%4.94-13.52-7.55-4.573.21-31.7814.32%6.72-45.64--82.1225.8-1.96-1.09%-10.75-6%

PROFL

443.3-6.71-1.49%00.0775.0568.04%12.58-3.89-0.38-4.463.61-6.135.58%8.08-116.97--1,226.3212.75-0.4-0.03%-5.15-0.5%

RLFL

481.9-7.09-1.45%0.010.08115.881.84%7.864.5122.77243.574.283.736.3410.34%5.241010.921.7211.40.482.42%4.3121.8%

SFCL

366.1-5.39-1.45%00.0760.376.56%6.620.128.35106.444.583.560.388.09%8.783,308.3332.3447.4422.60.031.98%0.214.65%

SIFC

540-6.01-1.1%0.010.07139.0872.92%6.53.384.62120.243.783.494.764.02%5.33164.5-123.9413.940.320.45%2.413.3%
AVG544.41-2.61-0.58%0.010.068124.6572.6%-0.335.257.81183.254.413.953.8811.67%5.905308.194.77-11.81415.3490.30.64%0.930.19%
MED542.5-4.46-0.8%00.07120.8670.74%6.734.857.88172.214.513.677.017.77%5.5154.390.9740.5413.5250.50.57%44.78%
MAX79012.211.57%0.010.08207.1896.39%12.5821.626.8331.464.65.0825.0959.12%8.783,308.3332.34558.2629.11.62.42%12.9721.8%
MIN366.1-7.09-1.49%00.05-6.4658.1%-104.13-13.52-15.6555.563.783.21-31.782.68%3.77-116.970.08-1,226.327.7-1.96-2.06%-34.19-95.25%

14

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum