Samudayik Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 917.00

NPR +13+1.44%

09:14 AM NPT · Sep 24, 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

885.00

High

920.00

Low

885.00

Prev Close

904.00

Volume

2,627

Turnover

Rs 2,401,697.1

Txns

Valuation · Q4 FY25/26

EPS Ann.

26.66

EPS TTM

26.66

BVPS

129.29

P/E Ann.

34.40

P/E TTM

34.40

Graham #

278.49

Capital

Mkt Cap

1.57 Arab

Total

17.08 Lakh

Public

5.18 Lakh

Promoter

11.9 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

63.59

ADX

29.85

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

891.16

SMA 50

976.5

Bands & Channels

BB Width %

8.46%

Volume & Flow

OBV

447,450

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

5,694

Shares Bought

Total Sell

5,694

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 62%

Distribution 38%

Accumulators

Quantity

3,331

Amount

3,032,567

Avg Rate

910.41

Rank

#27

Brokers

#48

Distributors

Quantity

2,044

Amount

1,850,054

Avg Rate

905.11

Rank

#36

Brokers

#58#41#25

Net Flow Impact:

+1,287units

(Rs. 1,182,513)

Net Flow by Timeframe

SLBSL — Broker Breakdown (7D)

11 Buyers15 Sellers

[ Vol: 9,251 ]

Buy Side

Total: 4,880

Broker

QTY

AVG

NET

3,331

910.41

+3,021

58.5%

700

910.67

+234

12.3%

213

908.99

+213

3.7%

205

905.12

+187

3.6%

140

915.27

+70

2.5%

100

906.00

+100

1.8%

902.10

+38

1.2%

892.00

+17

0.9%

901.34

0.6%

918.30

+10

0.5%

902.00

+10

0.2%

Sell Side

Total: 4,371

Broker

QTY

AVG

NET

890

907.99

-660

15.6%

704

908.73

-628

12.4%

450

893.78

-420

7.9%

314

915.64

-314

5.5%

300

913.33

-300

5.3%

300

904.00

-136

5.3%

289

908.93

-279

5.1%

240

914.58

-159

4.2%

210

909.22

-210

3.7%

190

920.00

-40

3.3%

162

912.83

-89

2.9%

100

906.00

-100

1.8%

100

920.00

-100

1.8%

906.00

-67

1.2%

912.00

-55

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	170,805	170,805	0	0.00%
Reserves and Surplus	0	28,727	41,311	0	-30.46%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	1,106,977	1,075,118	770,521	0	+2.96%
Deposits	0	711,205	580,951	0	+22.42%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	49,987	60,643	280,155	0	-17.57%
Total Capital & Liabilities	0	2,046,498	1,843,743	0	+11.00%
Assets
Cash and Bank Balance	0	157,392	160,594	0	-1.99%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	1000.00	21000.00	0	-95.24%
Loan and Advances	0	1,825,183	1,539,304	0	+18.57%
Fixed Assets	0	10,137	6,666	0	+52.07%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	34,444	52,786	116,179	0	-34.75%
Total Assets	2,230,846	2,046,498	1,843,743	0	+9.01%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	877	-0.97	-0.11%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,174.4	-19.58	-1.64%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,987	+48.89	+0.99%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,060	+0.95	+0.09%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	956.8	+7.78	+0.82%	0.03	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,630	+99.05	+6.47%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	861	+4.97	+0.58%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,205.1	-136.73	-10.19%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	759.5	+9.52	+1.27%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900	+6.97	+0.78%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	692	-0.48	-0.07%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,139.5	+11.39	+1.01%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,700	-9.92	-0.58%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,124	+23.98	+2.18%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	869	+3.81	+0.44%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	950	-18	-1.86%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,278.8	+3.7	+0.29%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	969	-0.97	-0.1%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	828	+17.98	+2.22%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	860	+5.98	+0.7%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	727.1	-21.79	-2.91%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	607	+3.02	+0.5%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,188.87	1.8	0.04%	0.01	0.124	210.21	130.26%	7.23	39.6	39.45	423.39	7.75	7.19	19.74	10.94%	5.985	39.21	2.615	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	953.4	3.75	0.47%	0	0.13	179.82	114%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	1	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,987	99.05	6.47%	0.03	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	607	-136.73	-10.19%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%