Samudayik Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,207.00

NPR +20+1.68%

09:14 AM NPT · Jun 26, 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

1,222.60

High

1,259.00

Low

1,180.00

Prev Close

1,187.00

Volume

4,088

Turnover

Rs 4,888,495.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

45.93

EPS TTM

42.71

BVPS

136.91

P/E Ann.

26.28

P/E TTM

28.26

Graham #

376.15

Capital

Mkt Cap

2.06 Arab

Total

17.08 Lakh

Public

5.18 Lakh

Promoter

11.9 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

46.94

ADX

73.65

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1216.45

SMA 50

1220.55

Bands & Channels

BB Width %

8.71%

Volume & Flow

OBV

478,600

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

9,076

Shares Bought

Total Sell

9,076

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 74%

Distribution 26%

Accumulators

Quantity

5,583

Amount

6,716,876

Avg Rate

1203.09

Rank

#13

Brokers

#56#74

Distributors

Quantity

1,933

Amount

2,318,367

Avg Rate

1199.36

Rank

#30

Brokers

#41#42

Net Flow Impact:

+3,650units

(Rs. 4,398,509)

Net Flow by Timeframe

SLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 11,815 ]

Buy Side

Total: 8,038

Broker

QTY

AVG

NET

4,823

1202.03

+1,294

53.1%

760

1209.83

+252

8.4%

686

1204.19

+244

7.6%

390

1212.13

+130

4.3%

250

1199.60

+31

2.8%

216

1207.86

+67

2.4%

200

1180.00

+200

2.2%

152

1184.87

+124

1.7%

121

1218.35

+107

1.3%

120

1200.00

+106

1.3%

100

1177.76

+50

1.1%

100

1200.10

+100

1.1%

1192.00

+40

0.6%

1186.00

+50

0.6%

1204.95

+20

0.2%

Sell Side

Total: 3,777

Broker

QTY

AVG

NET

1,011

1196.49

-1,011

11.1%

922

1202.51

-798

10.2%

536

1196.43

-186

5.9%

260

1221.38

-35

2.9%

213

1205.88

-173

2.4%

150

1207.51

-150

1.6%

134

1222.79

-54

1.5%

130

1192.58

-30

1.4%

100

1229.50

-100

1.1%

1217.27

-81

0.9%

1206.59

-20

0.8%

1194.00

-31

0.6%

1244.50

-50

0.6%

1213.00

-40

0.4%

1221.33

-30

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	170,805	170,805	175,200	0	0.00%
Reserves and Surplus	63,038	13,198	17,914	0	+377.64%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	1,271,736	1,122,877	590,737	0	+13.26%
Deposits	789,969	650,925	577,483	0	+21.36%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	77,027	318,330	310,302	0	-75.80%
Total Capital & Liabilities	2,372,575	2,276,134	1,671,635	0	+4.24%
Assets
Cash and Bank Balance	191,905	161,022	89,383	0	+19.18%
Money at Call & Short Notice	23,000	0	0	0	-
Investments	1000.00	21000.00	1000.00	0	-95.24%
Loan and Advances	2,085,952	1,937,656	1,459,086	0	+7.65%
Fixed Assets	22,774	12,031	8,484	0	+89.30%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	47,943	144,426	113,681	0	-66.80%
Total Assets	2,372,575	2,276,134	1,671,635	0	+4.24%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance 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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	939	-16.04	-1.68%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,070	-14.97	-1.38%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,894	-5.9	-0.1%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,060	+0.11	+0.01%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	910.7	-0.27	-0.03%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,432.9	-29.69	-2.03%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	830	-3.42	-0.41%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,235	-42.15	-3.3%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	770	-2.01	-0.26%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	990	-5.98	-0.6%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,800	-35.05	-1.91%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,226.2	-16.78	-1.35%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	875	0	0%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	890.1	-17.89	-1.97%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,261	+4.02	+0.32%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,031	+13.03	+1.28%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	821	-98.99	-10.76%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	923	0	0%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	850	-9.02	-1.05%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	710.9	-1.07	-0.15%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,244.97	-12.75	-1.15%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	386.55	7.67	7.49	16.16	11.64%	8.51	55.79	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	964.5	-4.66	-0.33%	0	0.13	174.46	111.22%	7.1	30.48	34.99	378.89	7.92	7.66	15.68	9.96%	7.8	45.99	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,894	13.03	1.28%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	710.9	-98.99	-10.76%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%