Shree Investment Finance Co. Ltd.

FinanceMid Cap

NPR 540.00

NPR -6-1.10%

09:14 AM NPT · Jun 26, 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

559.80

High

559.80

Low

539.10

Prev Close

546.00

Volume

10,518

Turnover

Rs 5,708,290

Txns

Valuation · Q3 FY25/26

EPS Ann.

3.38

EPS TTM

4.62

BVPS

139.08

P/E Ann.

159.76

P/E TTM

116.88

Graham #

102.84

Capital

Mkt Cap

5.4 Arab

Total

1.0 Crore

Public

49.0 Lakh

Promoter

51.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

38.32

ADX

20.22

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

557.83

SMA 50

547.57

Bands & Channels

BB Width %

6.07%

Volume & Flow

OBV

3,557,242

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

65,478

Shares Bought

Total Sell

65,478

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

17,905

Amount

9,905,963

Avg Rate

553.25

Rank

Brokers

#35#21#89

Distributors

Quantity

14,095

Amount

7,723,841

Avg Rate

547.98

Rank

Brokers

#44#16#28#81

Net Flow Impact:

+3,810units

(Rs. 2,182,122)

Net Flow by Timeframe

SIFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 87,477 ]

Buy Side

Total: 46,012

Broker

QTY

AVG

NET

7,212

547.16

+825

11.0%

7,175

547.15

+5,860

11.0%

6,530

564.25

+6,530

10.0%

6,043

567.08

+3,643

9.2%

4,200

546.58

+4,200

6.4%

3,905

549.37

+135

6.0%

2,458

546.93

+1,258

3.8%

1,780

545.03

+1,780

2.7%

1,775

550.88

+1,065

2.7%

1,304

569.34

+1,304

2.0%

1,000

553.94

+1,000

1.5%

820

544.43

+820

1.3%

800

550.61

+800

1.2%

510

548.10

+310

0.8%

500

551.00

+500

0.8%

Sell Side

Total: 41,465

Broker

QTY

AVG

NET

10,858

557.32

-863

16.6%

4,288

544.71

-4,288

6.5%

3,765

547.99

-3,715

5.8%

3,600

550.18

-2,300

5.5%

3,186

546.91

-2,268

4.9%

2,442

550.50

-2,442

3.7%

2,293

547.29

-1,783

3.5%

1,950

551.72

-1,884

3.0%

1,851

548.83

-781

2.8%

1,538

567.76

-438

2.4%

1,382

555.13

-1,132

2.1%

1,200

551.75

-600

1.8%

1,114

545.91

-968

1.7%

1,000

570.00

-1,000

1.5%

998

557.10

-298

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,154,066	636,739	242,995	0	+81.25%
Money at Call & Short Notice	518,300	493,435	446,570	0	+5.04%
Due from NRB	518,300	493,435	296,488	0	+5.04%
Placement with B/FIs	0.00	0.00	150081.37	0	-
Loans & Advances
Loans and Advances	6,332,355	6,256,539	5,725,645	0	+1.21%
Loans & Advances to B/FIs	287,750	223,295	193,846	0	+28.87%
Loans & Advances to Customers	6,044,604	6,033,244	5,531,799	0	+0.19%
Investments
Investment Securities	2,220,758	2,302,454	2,354,988	0	-3.55%
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	44,708	19,975	11,408	0	+123.82%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Goodwill and Intangible Assets	3,247	2,110	2,870	0	+53.92%
Property & Equipment	122,496	153,521	105,317	0	-20.21%
Other Assets	72,516	50,220	57,526	0	+44.40%
Total Assets	10,435,094	9,907,510	8,947,643	0	+5.33%
Liabilities
Borrowings & Funding
Borrowings	518,157	595,062	318,551	0	-12.92%
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	408,157	380,062	108,397	0	+7.39%
Due to NRB	110,000	215,000	210,154	0	-48.84%
Deposits	8,396,472	7,783,292	7,268,391	0	+7.88%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	21,933	18,846	7,606	0	+16.38%
Other Liabilities	107,689	106,938	41,553	0	+0.70%
Other Liabilities & Provisions	129,622	125,784	49,159	0	+3.05%
Total Liabilities	9,044,250	8,504,137	7,636,101	0	+6.35%
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	371,308	367,212	326,357	0	+1.12%
Reserves & Surpluses	390,843	403,373	329,859	0	-3.11%
Retained Earnings	19,535	36,160	3,502	0	-45.98%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,390,843	1,403,373	1,311,542	0	-0.89%
Total Liabilities & Equity	10,435,094	9,907,510	8,947,643	0	+5.33%

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)	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	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	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	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	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	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	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	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	21.72	11.4	0.48	2.42%	4.31	21.8%
SFCL	366.1	-5.39	-1.45%	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	531.98	-2.04	-0.46%	0.01	0.068	119.24	72.13%	-0.02	5.65	8.24	183.51	4.41	4.05	4.75	13.83%	6.131	299.56	-18.044	15.293	0.37	0.71%	1.9	1.3%
MED	529	-3.26	-0.61%	0	0.07	117.56	68.76%	7.36	5.6	9	172.21	4.51	3.8	7.71	8.98%	6.14	48.98	35.18	13.16	0.54	0.82%	4.51	7.63%
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%	8.78	3,308.33	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	3.86	3.21	-31.78	2.68%	3.77	-116.97	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%