Samriddhi Finance Company Limited

FinanceLow Cap

NPR 366.10

NPR -5.4-1.45%

09:14 AM NPT · Jun 26, 2026

Est. 2057 B.S. · Hetauda, Makawanpur, Nepal · CEO: Santosh Kumar Ghimire

Samriddhi Finance Company Limited is a national-level finance company in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “C” class financial institution. Established with the goal of providing accessible, customer-focused financial services, the company offers a wide range of retail and SME banking products designed to support personal, business, and community-level financial needs. Headquartered in Hetauda, Makwanpur, Samriddhi Finance provides services such as savings and deposit accounts, hire-purchase loans, home and business loans, SME financing, microfinance support, remittance services, and modern digital banking facilities. The company emphasizes financial inclusion, responsible lending, and strong corporate governance, ensuring secure and transparent operations. With expanding branch networks and a growing customer base, Samriddhi Finance Company Limited continues to play a significant role in enhancing financial access, supporting local entrepreneurship, and contributing to regional economic development across Nepal.

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Trading

Open

371.00

High

376.00

Low

366.10

Prev Close

371.50

Volume

8,049

Turnover

Rs 2,969,444

Txns

Valuation · Q3 FY25/26

EPS Ann.

0.12

EPS TTM

8.35

BVPS

60.30

P/E Ann.

3,050.83

P/E TTM

43.84

Graham #

12.76

Capital

Mkt Cap

3.0 Arab

Total

81.89 Lakh

Public

32.76 Lakh

Promoter

49.13 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

21.39

ADX

25.92

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

379.97

SMA 50

379.05

Bands & Channels

BB Width %

8.95%

Volume & Flow

OBV

5,243,554

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

32,269

Shares Bought

Total Sell

32,269

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

9,311

Amount

3,459,230

Avg Rate

371.52

Rank

#13

Brokers

#48#36#32

Distributors

Quantity

8,370

Amount

3,105,821

Avg Rate

371.07

Rank

#13

Brokers

#26#49#28

Net Flow Impact:

+941units

(Rs. 353,409)

Net Flow by Timeframe

SFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 45,055 ]

Buy Side

Total: 24,194

Broker

QTY

AVG

NET

4,531

370.63

+3,311

14.0%

2,930

374.16

+2,390

9.1%

2,737

370.98

+106

8.5%

2,298

369.89

+882

7.1%

1,975

371.26

+357

6.1%

1,850

369.53

+1,850

5.7%

1,695

371.34

+1,685

5.3%

1,687

370.56

+1,167

5.2%

973

368.61

+973

3.0%

700

373.43

+700

2.2%

635

369.69

+285

2.0%

600

372.00

+550

1.9%

550

376.37

+540

1.7%

528

371.91

+528

1.6%

505

373.64

+505

1.6%

Sell Side

Total: 20,861

Broker

QTY

AVG

NET

4,615

371.31

-4,215

14.3%

3,019

372.70

-429

9.4%

2,070

366.93

-1,770

6.4%

1,885

371.42

-1,835

5.8%

1,870

370.11

-1,820

5.8%

1,637

371.45

-1,637

5.1%

961

374.94

-261

3.0%

800

369.35

-690

2.5%

700

370.00

-700

2.2%

655

370.02

-655

2.0%

643

370.66

-143

2.0%

628

370.00

-328

1.9%

500

374.00

-500

1.6%

498

372.04

-23

1.5%

380

371.06

-245

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	145,901	218,128	447,638	0	-33.11%
Money at Call & Short Notice	640,304	114,759	93,808	0	+457.96%
Due from NRB	640,304	114,759	93,808	0	+457.96%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,296,900	1,715,878	1,470,783	0	+33.86%
Loans & Advances to B/FIs	87,172	116,865	37,190	0	-25.41%
Loans & Advances to Customers	2,209,728	1,599,013	1,433,593	0	+38.19%
Investments
Investment Securities	280,038	704,821	435,814	0	-60.27%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	176,835	171,370	108,839	0	+3.19%
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	12,514	8,795	6,798	0	+42.28%
Deferred Tax Assets	60,619	37,010	27,519	0	+63.79%
Goodwill and Intangible Assets	3,018	2,452	2,617	0	+23.07%
Property & Equipment	112,115	121,137	133,762	0	-7.45%
Other Assets	108,887	80,725	57,798	0	+34.89%
Total Assets	3,760,981	3,126,818	2,748,443	0	+20.28%
Liabilities
Borrowings & Funding
Borrowings	28,881	60,363	177,596	0	-52.15%
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	28,881	60,363	177,596	0	-52.15%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	3,135,500	2,498,734	1,908,026	0	+25.48%
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	102,807	128,527	94,695	0	-20.01%
Other Liabilities & Provisions	102,807	128,527	94,695	0	-20.01%
Total Liabilities	3,267,188	2,687,624	2,180,317	0	+21.56%
Equity
Paid Up Capital	818,911	818,911	818,911	0	0.00%
Share Premium	19,703	19,703	19,703	0	0.00%
Reserves & Surpluses
Reserves	274,996	285,487	265,680	0	-3.67%
Reserves & Surpluses	-325,119	-379,716	-250,787	0	+14.38%
Retained Earnings	-619,819	-684,906	-536,170	0	+9.50%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	493,792	439,195	568,125	0	+12.43%
Total Liabilities & Equity	3,760,981	3,126,819	2,748,443	0	+20.28%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q3

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	513	-2.01	-0.39%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	0.33	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	619.5	-5.31	-0.85%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	172.21	4.41	4.83	7.67	14.17%	6.14	101.75	1.04	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	630	-2.91	-0.46%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	211.98	4.06	4.93	11.79	9.86%	4.14	45.04	0.08	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	471.4	-3.61	-0.76%	0	0.07	168.38	66.08%	4.95	6	4.05	123.87	4.59	4.49	9.33	6.37%	3.77	79.33	2.05	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	545	-6.4	-1.16%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	0.09	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	625	+4.1	+0.66%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	291.48	4.48	3.32	7.75	2.68%	4.9	55.85	-	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	401	0	0%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	790	+12.21	+1.57%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	1.33	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	615.5	-1.48	-0.24%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	-	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	580	-5.98	-1.02%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	366	+2	+0.55%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	29.48	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	443.3	-6.71	-1.49%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
RLFL	481.9	-7.09	-1.45%	0.01	0.08	115.8	81.84%	7.86	4.51	22.77	243.57	4.28	3.73	6.34	10.34%	5.24	101	0.9	21.72	11.4	0.48	2.42%	4.31	21.8%
SIFC	540	-6.01	-1.1%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	-	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	544.4	-2.08	-0.44%	0.01	0.068	124.87	71.87%	-0.03	5.89	7.97	184.77	4.36	4.05	5.06	13.54%	5.865	75	4.413	-12.58	14.674	0.39	0.6%	2.06	0.49%
MED	542.5	-3.26	-0.61%	0	0.07	120.86	68.76%	7.36	5.6	8.52	172.21	4.47	3.8	7.71	8.65%	5.51	48.98	0.97	35.18	13.16	0.54	0.57%	4.51	4.78%
MAX	790	12.21	1.57%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.26	578.45	29.48	558.26	29.1	1.6	2.42%	16.04	21.8%
MIN	366	-7.09	-1.49%	0	0.05	-6.46	58.1%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	2.68%	3.77	-116.97	0.08	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%