Samriddhi Finance Company Limited

FinanceLow Cap

NPR 371.00

NPR -9-2.37%

09:14 AM NPT · May 13, 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

378.00

High

383.90

Low

367.00

Prev Close

380.00

Volume

12,116

Turnover

Rs 4,513,319.9

Txns

108

Valuation · Q2 FY25/26

EPS Ann.

0.29

EPS TTM

11.71

BVPS

59.96

P/E Ann.

1,279.31

P/E TTM

31.68

Graham #

19.78

Capital

Mkt Cap

3.04 Arab

Total

81.89 Lakh

Public

32.76 Lakh

Promoter

49.13 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

30.04

ADX

28.78

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

382.68

SMA 50

398.56

Bands & Channels

BB Width %

6.68%

Volume & Flow

OBV

5,220,054

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

36,393

Shares Bought

Total Sell

36,393

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

14,191

Amount

5,362,537

Avg Rate

377.88

Rank

Brokers

#42#66#62#6

Distributors

Quantity

13,513

Amount

5,068,006

Avg Rate

375.05

Rank

Brokers

#58#26

Net Flow Impact:

+678units

(Rs. 294,531)

Net Flow by Timeframe

SFCL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,919 ]

Buy Side

Total: 24,967

Broker

QTY

AVG

NET

6,193

377.03

+4,103

17.0%

3,523

382.47

+3,523

9.7%

3,010

374.42

+2,189

8.3%

1,780

373.00

+936

4.9%

1,630

381.03

+1,102

4.5%

1,465

377.58

+1,465

4.0%

1,325

377.20

+225

3.6%

1,210

383.97

+1,210

3.3%

1,145

378.74

+1,085

3.1%

845

375.06

+845

2.3%

699

380.36

+699

1.9%

607

381.85

+467

1.7%

600

375.83

+600

1.6%

500

370.00

+500

1.4%

435

380.41

+245

1.2%

Sell Side

Total: 26,952

Broker

QTY

AVG

NET

10,513

375.24

-8,043

28.9%

3,000

374.36

-3,000

8.2%

2,507

380.40

-2,324

6.9%

1,599

377.13

-834

4.4%

1,500

377.00

-1,000

4.1%

1,363

380.16

-1,078

3.8%

1,197

380.34

-1,147

3.3%

1,065

385.03

-1,065

2.9%

935

374.25

-665

2.6%

680

380.38

-233

1.9%

600

380.40

-480

1.6%

600

378.00

-500

1.6%

500

380.70

-28

1.4%

493

378.55

-378

1.4%

400

376.70

-400

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	114,938,045	377,508,000	166,577,000	480,577,000	-69.55%
Money at Call & Short Notice	746,359,549	132,585,000	84,739,000	135,846,000	+462.93%
Due from NRB	746,359,549	132,585,000	84,739,000	135,846,000	+462.93%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	2,059,165,664	1,728,032,000	1,411,803,000	1,643,091,000	+19.16%
Loans & Advances to B/FIs	89,271,813	155,316,000	0	17,787,000	-42.52%
Loans & Advances to Customers	1,969,893,851	1,572,716,000	1,411,803,000	1,625,304,000	+25.25%
Investments
Investment Securities	275,567,533	613,821,000	404,442,000	275,347,000	-55.11%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	173,328,167	108,839,000	108,839,000	41,983,000	+59.25%
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	12,390,910	8,747,000	6,790,000	5,646,000	+41.66%
Deferred Tax Assets	61,988,530	37,436,000	27,391,000	20,787,000	+65.59%
Goodwill and Intangible Assets	3,192,882	2,664,000	2,397,000	3,347,000	+19.85%
Property & Equipment	116,076,883	125,974,000	140,220,000	59,590,000	-7.86%
Other Assets	32,619,584	39,509,000	28,704,000	13,997,000	-17.44%
Total Assets	3,595,627,747	3,175,115,000	2,381,904,000	2,680,210,000	+13.24%
Liabilities
Borrowings & Funding
Borrowings	21,013,941	53,135,000	127,661,000	459,464,000	-60.45%
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	21,013,941	53,135,000	127,661,000	359,464,000	-60.45%
Due to NRB	0.00	0.00	0.00	100000000.00	-
Deposits	2,990,923,697	2,587,475,000	1,537,505,000	1,581,526,000	+15.59%
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	92,665,642	123,427,000	100,284,000	23,932,000	-24.92%
Other Liabilities & Provisions	92,665,642	123,427,000	100,284,000	23,932,000	-24.92%
Total Liabilities	3,104,603,280	2,764,037,000	1,765,450,000	2,064,921,000	+12.32%
Equity
Paid Up Capital	818,911,400	818,911,000	818,911,000	818,911,000	0.00%
Share Premium	19,703,286	19,703,000	19,703,000	19,761,000	0.00%
Reserves & Surpluses
Reserves	269,810,113	252,659,000	259,920,000	171,706,000	+6.79%
Reserves & Surpluses	-327,886,932	-407,834,000	-202,458,000	-203,622,000	+19.60%
Retained Earnings	-617,400,331	-680,196,000	-482,081,000	-395,089,000	+9.23%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	491,024,468	411,077,000	616,454,000	615,289,000	+19.45%
Total Liabilities & Equity	3,595,627,748	3,175,115,000	2,381,904,000	2,680,210,000	+13.24%

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%
PFL	368.8	-9.19	-2.43%	0	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
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%
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	523.84	-1.75	-0.37%	0.01	0.069	126.76	72.85%	7.07	9.87	210.67	4.37%	3.78%	13.61%	7.65%	8.301	189.891	1.295	197.899	-57.929	40.319	0.48%	0.78%	6.59%	5.34%
MED	510.5	-1.49	-0.31%	0	0.07	119.91	71.29%	3.63	6.69	187.77	4.53%	3.53%	8.7%	5.67%	8.67	89.055	0.025	91.545	30.44	28.14	0.36%	0.67%	3.22%	4.56%
MAX	803	5.98	0.81%	0.01	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.25	1,370.97	14.21	1,441.94	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	368.8	-9.19	-2.43%	0	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	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%