Shree Investment Finance Co. Ltd.

FinanceMid Cap

NPR 480.30

NPR -0.7-0.15%

09:14 AM NPT · Sep 24, 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

475.50

High

481.30

Low

475.50

Prev Close

481.00

Volume

10,755

Turnover

Rs 5,159,238.5

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.62

EPS TTM

4.62

BVPS

139.82

P/E Ann.

103.96

P/E TTM

103.96

Graham #

120.56

Capital

Mkt Cap

4.8 Arab

Total

1.0 Crore

Public

49.0 Lakh

Promoter

51.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

50.31

ADX

28.07

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

481.63

SMA 50

500.49

Bands & Channels

BB Width %

6.14%

Volume & Flow

OBV

3,429,107

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

35,047

Shares Bought

Total Sell

35,047

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

21,288

Amount

10,203,661

Avg Rate

479.32

Rank

Brokers

#34#25#1

Distributors

Quantity

19,214

Amount

9,214,143

Avg Rate

479.55

Rank

Brokers

#41#42#58

Net Flow Impact:

+2,074units

(Rs. 989,518)

Net Flow by Timeframe

SIFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 59,994 ]

Buy Side

Total: 27,687

Broker

QTY

AVG

NET

16,878

479.08

+16,878

48.2%

3,190

480.87

+2,920

9.1%

1,220

478.43

+1,220

3.5%

1,140

479.35

+1,100

3.3%

940

480.00

+550

2.7%

600

484.00

+600

1.7%

600

484.93

+600

1.7%

585

479.82

+585

1.7%

534

481.21

+414

1.5%

500

481.17

+500

1.4%

400

481.65

+400

1.1%

400

480.75

+300

1.1%

295

480.03

+85

0.8%

205

484.74

+145

0.6%

200

479.27

+190

0.6%

Sell Side

Total: 32,307

Broker

QTY

AVG

NET

7,599

480.12

-7,019

21.7%

6,100

480.36

-5,140

17.4%

5,515

477.89

-4,417

15.7%

2,578

480.60

-2,418

7.4%

1,990

479.00

-1,390

5.7%

1,665

480.15

-1,295

4.8%

1,502

480.67

-1,262

4.3%

1,098

481.14

-82

3.1%

951

478.87

-251

2.7%

898

485.14

-898

2.6%

511

483.87

-511

1.5%

500

484.09

-320

1.4%

500

480.75

-300

1.4%

500

479.00

-500

1.4%

400

480.01

-300

1.1%

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	447	+3.02	+0.68%	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	567.9	+0.91	+0.16%	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	577	+2.01	+0.35%	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	421	-4.98	-1.17%	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	496.4	+0.4	+0.08%	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	595	+3.08	+0.52%	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	285	+5.89	+2.11%	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	764.8	-4.23	-0.55%	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	588	-2.01	-0.34%	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	495	+8.99	+1.85%	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	351	-4.41	-1.24%	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	391	+7.7	+2.01%	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	424	+1.1	+0.26%	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	483.79	1.25	0.34%	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	471	1	0.21%	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	764.8	8.99	2.11%	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	285	-4.98	-1.24%	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%