Shree Investment Finance Co. Ltd.

FinanceMid Cap

NPR 467.00

NPR +2+0.43%

09:14 AM NPT · Nov 6, 2026

Est. 1994 · Dilli Bazar, Ward-33, Kathmandu, Nepal · CEO: Lila Mani Neupane

Shree Investment & Finance Co. Ltd. (SIFC) is a national-level finance company in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “C” class financial institution. Established to provide accessible, innovative, and reliable financial services, the company has grown steadily, offering a wide range of retail and SME-focused banking products across Nepal. Headquartered in Kathmandu, SIFC provides financial solutions such as savings and fixed deposit accounts, hire-purchase loans, home and business loans, SME financing, microfinance services, remittance facilities, and digital banking. With a strong emphasis on customer service, transparent operations, and responsible credit practices, the company continues to build trust among individuals, entrepreneurs, and small businesses. Shree Investment & Finance is recognized for its efficient service delivery, expanding branch network, and commitment to supporting local economic growth through inclusive financing. The institution integrates modern banking technology with personalized financial solutions to serve Nepal’s diverse financial needs.

www.shreefinance.com.np/

Trading

Open

465.00

High

473.00

Low

464.20

Prev Close

465.00

Volume

1,129

Turnover

Rs 526,665

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.62

EPS TTM

4.62

BVPS

139.82

P/E Ann.

101.08

P/E TTM

101.08

Graham #

120.56

Capital

Mkt Cap

4.67 Arab

Total

1.0 Crore

Public

49.0 Lakh

Promoter

51.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

42.74

ADX

28.36

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

471.54

SMA 50

479.2

Bands & Channels

BB Width %

5.38%

Volume & Flow

OBV

3,306,136

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

43,161

Shares Bought

Total Sell

43,161

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

25,381

Amount

11,914,726

Avg Rate

469.43

Rank

Brokers

#4#57

Distributors

Quantity

24,151

Amount

11,338,303

Avg Rate

469.48

Rank

Brokers

#14#35#42

Net Flow Impact:

+1,230units

(Rs. 576,423)

Net Flow by Timeframe

SIFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 74,677 ]

Buy Side

Total: 36,256

Broker

QTY

AVG

NET

23,141

469.44

+23,041

53.6%

3,038

475.52

+1,718

7.0%

2,240

469.37

+2,240

5.2%

2,006

473.18

+1,326

4.7%

1,300

466.79

+1,300

3.0%

1,280

474.31

+130

3.0%

700

470.04

+690

1.6%

500

477.20

+200

1.2%

460

466.69

+460

1.1%

430

470.84

+430

1.0%

342

473.72

+342

0.8%

215

477.10

+215

0.5%

210

471.40

+89

0.5%

204

467.00

+204

0.5%

190

470.00

+190

0.4%

Sell Side

Total: 38,421

Broker

QTY

AVG

NET

8,823

468.56

-8,795

20.4%

7,755

471.49

-7,435

18.0%

7,573

468.48

-5,008

17.6%

3,220

467.62

-2,055

7.5%

2,619

471.10

-2,619

6.1%

2,200

475.60

-2,200

5.1%

1,510

470.56

-1,315

3.5%

1,119

475.60

-892

2.6%

1,100

478.54

-82

2.5%

1,000

475.50

-700

2.3%

400

479.00

-302

0.9%

300

475.80

-100

0.7%

300

470.70

-300

0.7%

300

467.00

-300

0.7%

202

465.00

-202

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,176,181	632,095	455,742	0	+86.08%
Money at Call & Short Notice	719,842	424,587	358,667	0	+69.54%
Due from NRB	719,842	424,587	358,667	0	+69.54%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	6,171,867	6,417,484	5,622,470	0	-3.83%
Loans & Advances to B/FIs	297,650	257,945	212,025	0	+15.39%
Loans & Advances to Customers	5,874,216	6,159,539	5,410,445	0	-4.63%
Investments
Investment Securities	2,164,904	2,206,258	2,426,481	0	-1.87%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	14,603	14,603	14,603	0	0.00%
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	55,909	29,173	1,144	0	+91.65%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	1,993	1,915	2,695	0	+4.11%
Property & Equipment	122,080	151,701	137,857	0	-19.53%
Other Assets	77,241	78,852	23,895	0	-2.04%
Total Assets	10,446,717	9,925,581	9,039,715	0	+5.25%
Liabilities
Borrowings & Funding
Borrowings	437,813	537,336	231,791	0	-18.52%
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	327,813	367,336	44,916	0	-10.76%
Due to NRB	110,000	170,000	186,875	0	-35.29%
Deposits	8,462,852	7,834,808	7,373,425	0	+8.02%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	16,154	34,921	12,225	0	-53.74%
Other Liabilities	131,685	96,205	80,851	0	+36.88%
Other Liabilities & Provisions	147,838	131,127	93,076	0	+12.74%
Total Liabilities	9,048,503	8,503,270	7,698,292	0	+6.41%
Equity
Paid Up Capital	1,000,000	1,000,000	981,683	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	357,930	359,511	335,913	0	-0.44%
Reserves & Surpluses	398,214	422,311	359,739	0	-5.71%
Retained Earnings	40,284	62,800	23,826	0	-35.85%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,398,214	1,422,311	1,341,423	0	-1.69%
Total Liabilities & Equity	10,446,717	9,925,581	9,039,715	0	+5.25%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q4

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	455	+0.09	+0.02%	0	0.06	113.08	70.53%	6.46	7.84	7.84	141.23	4.1	2.83	15	10.7%	4.55	65.63	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	598	-7.02	-1.16%	0.01	0.07	122.15	59.89%	7.58	13.44	13.44	192.19	4.42	4.61	19.95	10.12%	4.98	45.31	43.15	9.04	1.35	1.35%	11.38	11.38%
GFCL	560.1	+2.29	+0.41%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	266.51	4.21	3.45	13.78	6.27%	2.8	39.45	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	418	-0.8	-0.19%	0	0.06	157.55	66.24%	5.29	4.56	4.56	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	498	-3.01	-0.6%	0	0.06	167.43	72.62%	6.68	25.28	25.28	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	610	+4	+0.66%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	308.41	4.09	3.35	14.65	1.55%	3.11	26.38	27.14	3.87	1.06	1.06%	11.93	11.93%
JFL	274.2	-3.81	-1.37%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	680	+2.98	+0.44%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	348.33	4.39	4.44	17.93	3.43%	3.99	27.72	27.29	4.97	1.37	1.37%	14.87	14.87%
MPFL	570	+0.4	+0.07%	0	0.06	121.76	64.49%	5.15	8.91	8.91	156.24	4.54	3.59	20.58	3.3%	4.88	66.67	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	479	+1	+0.21%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	-	4.55	3.42	-20.62	13.83%	4.51	-62.01	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PFL	324.5	-0.49	-0.15%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	145.12	4.16	2.92	46.28	20.84%	5.2	27.23	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	375	+2.2	+0.59%	0	0.06	83.84	69.6%	11.52	5.92	5.92	105.68	4.55	3.5	9.25	3.01%	5.16	73.14	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	412	+0.08	+0.02%	0	0.07	116.78	85.02%	8.56	4.51	4.51	108.86	4.15	3.11	6.44	6.55%	3.85	99.78	94.68	6.43	0.44	0.44%	3.97	3.97%
SFCL	370	0	0%	0	0.07	60.3	76.56%	6.62	0.12	8.35	106.44	4.58	3.56	0.38	8.09%	8.78	3,308.33	47.44	22.6	0.03	1.98%	0.2	14.65%

AVG	473.13	-0.15	-0.07%	0	0.065	123.51	73.03%	-44.54	10.11	10.69	192.9	4.37	3.99	13.24	11.98%	4.454	294.38	55.036	9.266	0.85	0.99%	16.96	17.99%
MED	467	0.09	0.02%	0	0.065	121.96	70.07%	6.89	8.38	8.63	150.68	4.4	3.53	14.22	7.32%	4.51	55.47	45.295	7.435	0.93	1.01%	7.29	9.36%
MAX	680	4	0.66%	0.01	0.08	211.01	93.39%	11.52	27.85	27.85	348.33	4.6	7.93	46.28	61.55%	8.78	3,308.33	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	274.2	-7.02	-1.37%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	4.09	2.83	-20.62	1.55%	2.8	-62.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%