Samata Gharelu Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 768.10

NPR -8.9-1.15%

09:13 AM NPT · May 13, 2026

Est. 1987 · Banepa, Kavrepalanchowk District, Nepal · CEO: Dr. Madan Ghimire

Samata Gharelu Laghubitta Bittiya Sanstha Limited is a rapidly growing national-level microfinance institution in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. The organization was established with the mission of providing accessible microfinance services to low-income households, women entrepreneurs, and underserved communities, primarily in rural and semi-urban regions. The institution offers a wide range of financial products including group-based micro-loans, savings accounts, micro-insurance, emergency loans, agriculture financing, and small enterprise loans. In addition to financial services, Samata Gharelu Laghubitta focuses on financial literacy, entrepreneurship development, livelihood support, and women empowerment, helping clients achieve long-term economic stability. With an expanding branch network, community-based operational model, and emphasis on responsible lending practices, the institution plays a vital role in strengthening financial inclusion and reducing poverty across Nepal. It maintains strong governance, transparency, and customer-centered service delivery as part of its developmental mission.

www.samata.org.np/

Trading

Open

777.00

High

780.00

Low

765.00

Prev Close

777.00

Volume

2,386

Turnover

Rs 1,842,928.6

Txns

Valuation · Q2 FY25/26

EPS Ann.

17.12

EPS TTM

23.80

BVPS

135.74

P/E Ann.

44.87

P/E TTM

32.27

Graham #

228.66

Capital

Mkt Cap

4.83 Arab

Total

62.91 Lakh

Public

22.73 Lakh

Promoter

40.18 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

44.44

ADX

14.07

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

774.09

SMA 50

801.96

Bands & Channels

BB Width %

6.66%

Volume & Flow

OBV

189,135

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

15,846

Shares Bought

Total Sell

15,846

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

5,073

Amount

3,937,978

Avg Rate

776.26

Rank

#20

Brokers

#58#16#42#87

Distributors

Quantity

7,976

Amount

6,137,004

Avg Rate

769.43

Rank

#19

Brokers

#45#62#44

Net Flow Impact:

-2,903units

(Rs. -2,199,026)

Net Flow by Timeframe

SMATA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 23,553 ]

Buy Side

Total: 10,844

Broker

QTY

AVG

NET

2,374

785.12

+2,216

15.0%

1,349

777.30

+585

8.5%

1,108

774.15

+714

7.0%

991

758.95

+916

6.3%

710

768.47

+337

4.5%

639

774.12

+528

4.0%

600

773.71

+600

3.8%

547

759.80

+424

3.5%

510

777.51

+410

3.2%

500

776.57

+500

3.2%

378

761.19

+344

2.4%

300

778.00

+254

1.9%

282

769.48

+261

1.8%

281

771.74

+248

1.8%

275

754.18

+274

1.7%

Sell Side

Total: 12,709

Broker

QTY

AVG

NET

4,711

759.98

-4,355

29.7%

2,266

785.40

-2,256

14.3%

999

777.81

-999

6.3%

817

778.86

-485

5.2%

661

768.88

-587

4.2%

534

778.28

-267

3.4%

101

500

770.00

-500

3.2%

417

778.20

-260

2.6%

338

779.73

-233

2.1%

312

771.80

-312

2.0%

290

779.00

-269

1.8%

281

774.50

-67

1.8%

246

771.03

-29

1.6%

176

782.68

-166

1.1%

161

767.64

-61

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	660,504,140	599,096,730	394,155,820	342,744,190	+10.25%
Reserves and Surplus	236,050,660	155,082,260	176,895,420	263,844,250	+52.21%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	3,615,410,800	3,031,863,510	1,802,595,560	1,522,510,530	+19.25%
Deposits	1,693,031,150	1,446,841,660	988,788,050	1,179,182,310	+17.02%
Income Tax Liabilities	4,391,320	0	0	0	-
Other Liabilities	196,013,480	156,221,750	117,566,740	177,059,800	+25.47%
Total Capital & Liabilities	6,405,401,550	5,389,105,910	3,480,001,590	3,485,341,080	+18.86%
Assets
Cash and Bank Balance	309,097,070	569,164,560	284,627,920	141,699,150	-45.69%
Money at Call & Short Notice	0.00	2300000.00	0.00	0.00	-100.00%
Investments	500,000	500,000	500,000	500,000	0.00%
Loan and Advances	6,003,726,970	4,701,920,160	3,108,841,430	3,212,913,870	+27.69%
Fixed Assets	58,573,980	56,035,700	45,807,800	30,871,070	+4.53%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	33,503,530	59,185,490	40,224,450	99,357,000	-43.39%
Total Assets	6,405,401,550	5,389,105,910	3,480,001,600	3,485,341,090	+18.86%

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	954	+3.04	+0.32%	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	1,107.4	-4.56	-0.41%	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	6,050	-15.16	-0.25%	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	1,105	-23.01	-2.04%	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	919	0	0%	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	1,472	+7.91	+0.54%	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	846.2	-0.68	-0.08%	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	1,328	-166.99	-11.17%	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	793	-11.99	-1.49%	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	1,050.1	-9.86	-0.93%	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	762.2	-8.79	-1.14%	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	1,116.5	-21.51	-1.89%	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	1,780	-25.09	-1.39%	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	1,332.9	+5.05	+0.38%	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	890	-14.01	-1.55%	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	935	+1.96	+0.21%	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	1,300	-4.96	-0.38%	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	1,100	+14.97	+1.38%	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	884.8	-4.89	-0.55%	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	960	+2.11	+0.22%	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	910	+9.46	+1.05%	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	715	-2.08	-0.29%	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	1,286.87	-12.23	-0.88%	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	1,005.05	-4.73	-0.33%	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	6,050	14.97	1.38%	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	715	-166.99	-11.17%	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%