Pokhara Finance Ltd.

FinanceLow Cap

NPR 368.80

NPR -9.2-2.43%

09:14 AM NPT · May 13, 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

372.00

High

372.00

Low

368.00

Prev Close

378.00

Volume

9,723

Turnover

Rs 3,590,403.5

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

Strong

Momentum

RSI (14)

29.59

ADX

39.68

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

381.18

SMA 50

394.38

Bands & Channels

BB Width %

6.45%

Volume & Flow

OBV

4,270,406

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

33,016

Shares Bought

Total Sell

33,016

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

11,117

Amount

4,152,553

Avg Rate

373.53

Rank

#10

Brokers

#22#57#16#13

Distributors

Quantity

12,480

Amount

4,632,709

Avg Rate

371.21

Rank

#11

Brokers

#29#35

Net Flow Impact:

-1,363units

(Rs. -480,155)

Net Flow by Timeframe

PFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,547 ]

Buy Side

Total: 23,756

Broker

QTY

AVG

NET

3,973

375.38

+2,433

12.0%

2,510

374.24

+2,505

7.6%

2,350

369.64

+2,250

7.1%

2,298

373.41

+1,501

7.0%

2,284

373.54

+2,259

6.9%

2,187

374.94

+2,141

6.6%

1,405

373.75

+874

4.3%

1,394

376.01

+1,394

4.2%

1,054

375.57

+553

3.2%

1,000

378.69

+536

3.0%

770

374.56

+770

2.3%

712

376.15

+361

2.2%

665

370.68

+565

2.0%

580

375.76

+570

1.8%

574

374.69

+574

1.7%

Sell Side

Total: 27,791

Broker

QTY

AVG

NET

7,322

372.21

-7,322

22.2%

5,158

369.79

-4,148

15.6%

3,402

375.26

-2,452

10.3%

3,000

374.49

-2,895

9.1%

2,127

376.52

-947

6.4%

1,252

375.71

-420

3.8%

1,000

375.90

-352

3.0%

1,000

369.00

-1,000

3.0%

950

379.36

-464

2.9%

730

372.97

-663

2.2%

684

377.47

-684

2.1%

300

377.04

-300

0.9%

295

382.70

-51

0.9%

290

378.00

-120

0.9%

281

368.80

-157

0.8%

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	458.3	+2.28	+0.5%	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	498	-4.88	-0.97%	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	617	-8	-1.28%	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	456.4	-2.11	-0.46%	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	523	+0.99	+0.19%	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	620.2	-0.19	-0.03%	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	407	-2	-0.49%	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	803	+5.98	+0.75%	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	609	-0.98	-0.16%	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	566	-7.98	-1.39%	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	440	+2.01	+0.46%	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	434	+3.49	+0.81%	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	371	-9.01	-2.37%	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	533	-3.97	-0.74%	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	523.99	-1.74	-0.37%	0.01	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	510.5	-1.49	-0.31%	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	803	5.98	0.81%	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	371	-9.01	-2.37%	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%