Samudayik Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,257.00

NPR +69+5.81%

09:14 AM NPT · May 11, 2026

Est. March 28, 2070 B.S. · Sanga, Banepa Municipality-14, Kavrepalanchowk District, Province No. 3, Nepal · CEO: Dilip Kumar Pokharel

Samudayik Laghubitta Bittiya Sanstha Limited is a national-level microfinance institution licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. The organization was established with the mission of improving financial access for underserved and low-income communities, particularly women, small farmers, and micro-entrepreneurs across rural Nepal. The institution provides a wide range of microfinance services, including group-based lending, micro-enterprise loans, savings and deposit facilities, micro-insurance, remittance services, and financial literacy programs. Beyond financial products, the institution focuses on empowering communities through livelihood enhancement programs, entrepreneurship development, and social upliftment initiatives. With its expanding branch network and community-centric operational model, Samudayik Laghubitta plays an important role in promoting financial inclusion, reducing poverty, and enabling self-reliance among rural households. The organization continues to uphold responsible banking practices, strong governance, and a developmental approach that aligns with national microfinance goals.

www.slbsl.com.np/X

Trading

Open

1,210.00

High

1,258.00

Low

1,205.00

Prev Close

1,188.00

Volume

2,366

Turnover

Rs 2,895,126.1

Txns

Valuation · Q2 FY25/26

EPS Ann.

39.01

EPS TTM

28.20

BVPS

97.12

P/E Ann.

32.22

P/E TTM

44.57

Graham #

291.97

Capital

Mkt Cap

2.15 Arab

Total

17.08 Lakh

Public

5.18 Lakh

Promoter

11.9 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

43.86

ADX

63.34

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1253.74

SMA 50

1316.77

Bands & Channels

BB Width %

15%

Volume & Flow

OBV

483,708

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

5,316

Shares Bought

Total Sell

5,316

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

1,825

Amount

2,205,556

Avg Rate

1208.52

Rank

#35

Brokers

#52#29#45

Distributors

Quantity

2,120

Amount

2,560,005

Avg Rate

1207.55

Rank

#37

Brokers

#63#88

Net Flow Impact:

-295units

(Rs. -354,450)

Net Flow by Timeframe

SLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,574 ]

Buy Side

Total: 4,620

Broker

QTY

AVG

NET

1,071

1207.55

+1,063

20.1%

740

1197.57

+167

13.9%

410

1198.66

+282

7.7%

350

1218.70

+243

6.6%

344

1223.31

+330

6.5%

220

1172.00

+180

4.1%

206

1192.14

+196

3.9%

200

1212.30

+80

3.8%

200

1170.20

+126

3.8%

200

1199.95

+200

3.8%

178

1218.39

+178

3.4%

160

1195.19

3.0%

133

1193.27

+133

2.5%

108

1215.95

+56

2.0%

100

1180.00

+78

1.9%

Sell Side

Total: 3,954

Broker

QTY

AVG

NET

1,550

1217.99

-1,465

29.2%

570

1179.17

-570

10.7%

500

1171.53

-500

9.4%

311

1212.80

-311

5.8%

240

1206.01

-240

4.5%

192

1220.99

-166

3.6%

160

1175.72

-150

3.0%

135

1210.06

-5

2.5%

108

1194.27

-108

2.0%

1224.81

-34

1.0%

1210.00

-50

0.9%

1241.00

-20

0.9%

1205.00

-14

0.3%

1240.00

-2

0.2%

1206.50

-10

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	170,805,000	170,805,000	145,200,000	132,000,000	0.00%
Reserves and Surplus	-4,920,667	13,503,720	32,918,180	86,995,740	-136.44%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	1,473,482,842	1,022,945,070	501,148,120	651,100,630	+44.04%
Deposits	771,907,667	624,751,910	526,207,760	613,741,870	+23.55%
Income Tax Liabilities	0.00	0.00	0.00	10240920.00	-
Other Liabilities	76,946,814	312,149,610	278,160,990	256,754,750	-75.35%
Total Capital & Liabilities	2,488,221,658	2,144,155,310	1,483,635,060	1,750,833,900	+16.05%
Assets
Cash and Bank Balance	388,244,610	117,554,750	72,610,000	131,319,840	+230.27%
Money at Call & Short Notice	23,000,000	0	0	0	-
Investments	1,000,000	21,000,000	111,000,000	22,616,500	-95.24%
Loan and Advances	2,005,034,624	1,858,877,370	1,205,140,520	1,513,027,350	+7.86%
Fixed Assets	22,218,602	9,736,680	7,325,250	8,266,280	+128.19%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	48,723,822	136,986,510	87,559,290	75,603,920	-64.43%
Total Assets	2,488,221,658	2,144,155,310	1,483,635,060	1,750,833,900	+16.05%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)%
ACLBSL	959.5	+9.5	+1%	0	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,118.7	+8.66	+0.78%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,460	+410.18	+6.78%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,149	+26.05	+2.32%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	923	+23.04	+2.56%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,500	+29.99	+2.04%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	863	+15.01	+1.77%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,300	-18.99	-1.44%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	919	+114.2	+14.19%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,098	-1.98	-0.18%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	783	+12.03	+1.56%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,116.1	-1.9	-0.17%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,844.7	+24.75	+1.36%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,337	+14.94	+1.13%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	907	+7.2	+0.8%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	949.9	+4.91	+0.52%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,320	+11	+0.84%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,120	+0.11	+0.01%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	879	-6.82	-0.77%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	951	-13.01	-1.35%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	919.5	+19.53	+2.17%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	735	+10	+1.38%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,325.11	31.74	1.7%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,028.75	10.5	1.07%	0.01	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,460	410.18	14.19%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	735	-18.99	-1.44%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%