Shree Investment Finance Co. Ltd.

FinanceMid Cap

NPR 503.00

NPR -2.5-0.49%

09:14 AM NPT · Aug 10, 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

504.10

High

509.00

Low

499.00

Prev Close

505.50

Volume

9,194

Turnover

Rs 4,605,572

Txns

Valuation · Q3 FY25/26

EPS Ann.

3.38

EPS TTM

4.62

BVPS

139.08

P/E Ann.

148.82

P/E TTM

108.87

Graham #

102.84

Capital

Mkt Cap

5.03 Arab

Total

1.0 Crore

Public

49.0 Lakh

Promoter

51.0 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

22.27

ADX

19.73

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

517.82

SMA 50

535.01

Bands & Channels

BB Width %

7.15%

Volume & Flow

OBV

3,396,598

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

32,410

Shares Bought

Total Sell

32,410

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 65%

Distribution 35%

Accumulators

Quantity

12,977

Amount

6,568,654

Avg Rate

506.18

Rank

Brokers

#42#25#4#18

Distributors

Quantity

7,064

Amount

3,587,297

Avg Rate

507.83

Rank

#11

Brokers

#57#21

Net Flow Impact:

+5,913units

(Rs. 2,981,357)

Net Flow by Timeframe

SIFC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,350 ]

Buy Side

Total: 24,168

Broker

QTY

AVG

NET

6,524

508.52

+5,526

20.1%

2,768

506.47

+1,768

8.5%

2,285

503.36

+2,285

7.0%

1,739

508.31

+719

5.4%

1,543

512.46

+993

4.8%

1,400

499.27

+1,400

4.3%

1,223

511.85

+1,023

3.8%

1,135

508.31

+1,135

3.5%

1,100

508.23

+1,100

3.4%

998

503.64

+998

3.1%

753

511.41

+113

2.3%

706

502.67

+706

2.2%

700

502.37

+700

2.2%

700

510.07

+700

2.2%

594

502.85

+520

1.8%

Sell Side

Total: 27,182

Broker

QTY

AVG

NET

3,950

500.57

-2,950

12.2%

3,766

506.20

-3,171

11.6%

3,298

509.69

-3,062

10.2%

2,923

508.27

-2,181

9.0%

2,258

506.05

-1,958

7.0%

2,255

509.44

-2,155

7.0%

2,027

510.95

-1,924

6.3%

1,574

506.36

-1,494

4.9%

1,310

508.15

-1,310

4.0%

1,060

500.39

-1,023

3.3%

1,020

512.61

-1,020

3.1%

911

512.00

-361

2.8%

520

507.45

-260

1.6%

200

506.25

-200

0.6%

110

506.00

-110

0.3%

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	494.6	+0.59	+0.12%	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	656.5	-3.5	-0.53%	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	600	-5.02	-0.83%	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	457	+0.68	+0.15%	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	560.4	-9.52	-1.67%	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	599	-3.98	-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	388	+3.5	+0.91%	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	772	-3.02	-0.39%	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	616	+3	+0.49%	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	564.1	-3.29	-0.58%	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	364	0	0%	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	419	-1.01	-0.24%	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	447	-5.61	-1.24%	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	370	-4.99	-1.33%	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	521.97	-2.3	-0.41%	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	527.5	-3.16	-0.46%	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	772	3.5	0.91%	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	364	-9.52	-1.67%	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%