Pokhara Finance Ltd.

FinanceLow Cap

NPR 364.00

NPR 00.00%

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

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Strength

Momentum

RSI (14)

ADX

Overall Score

11
Below Line

Technical Score

Moving Averages

SMA 20

SMA 50

Bands & Channels

BB Width %

Volume & Flow

OBV

Flow Analysis

[ Live ]

Total Buy

0

Shares Bought

Total Sell

0

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

0

Participating

ACCUM/DIST

No data for selected timeframe

Net Flow by Timeframe

PFL — Broker Breakdown (7D)

0 Buyers0 Sellers

[ Vol: 0 ]

Buy Side

Total: 0

Broker

QTY

AVG

NET

%

No buyers

Sell Side

Total: 0

Broker

QTY

AVG

NET

%

No sellers

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

494.5+2.51+0.51%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

652.8-5.2-0.79%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

600-1.99-0.33%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

454.2-2.79-0.61%00.07168.3866.08%4.9564.05123.874.594.499.336.37%3.7779.332.05122.3513.160.60.41%3.692.5%

GUFL

572-0.97-0.17%00.06157.8872.52%6.8519.897.4162.134.535.0825.094.28%4.5226.90.0978.51121.60.59%12.974.83%

ICFC

601+4+0.67%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

380.5-6.38-1.65%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

764.8+3.8+0.5%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

620-3.62-0.58%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

562.1+1.9+0.34%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

417.5+1.5+0.36%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

447.1+1.11+0.25%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

370-4.99-1.33%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

503.1-2.48-0.49%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%
AVG531.4-0.97-0.24%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%
MED532.6-1.48-0.25%00.07120.8670.74%6.734.857.88172.214.513.677.017.77%5.5154.390.9740.5413.5250.50.57%44.78%
MAX764.840.67%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%
MIN370-6.38-1.65%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