Suryodaya Womi Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 608.00

NPR +13+2.18%

09:11 AM NPT · Nov 6, 2026

Est. 2068-11-25 B.S. (licensed by Nepal Rastra Bank and commenced microfinance operations on 2068-12-11) · Head Office: Urlabari, Morang, Nepal · CEO: Pramesh Acharya

Suryodaya Womi began its microfinance operations on 25 Falgun 2068 B.S. (≈ March 8, 2012) under the license of the central bank Nepal Rastra Bank (NRB). Since then, it has grown into one of Nepal’s more extensive microfinance institutions, aiming to deliver financial-inclusion services to underserved and rural populations especially targeting deprived women, unemployed youth, and low-income households. The institution offers a wide array of microfinance products: various savings schemes (personal savings, group savings, child savings, “Surakshya” savings, etc.), and multiple loan types from “normal” loans for income-generating activities, to loans for home construction, micro-enterprise, energy (solar or biogas), personal needs, and even emergency funds. Interest rates and service charges follow internal policy structures common among MFIs. Over years of operation, SWMF has expanded geographically: as of its recent disclosures, it operates more than 170 branches across many provinces in Nepal, serving a broad member base of over 171,000 clients (members). Those numbers reflect a significant reach and impact, especially in rural and semi-urban regions where traditional banking services may be sparse.As a publicly listed microfinance company (ticker symbol “SWMF”), the firm has over 11 million shares outstanding and a paid-up value (face value NPR 100 per share). Despite challenges typical of microfinance such as regulatory pressure, competition, and sector-wide liquidity constraints its long track record, branch network, and diversified saving/loan products help it maintain relevance. In August 2025, a credit-rating agency reaffirmed its issuer rating as “CARE-NP BB (Is)”, noting that while it holds some risks (asset-quality pressure, borrowing dependency), its board experience, established presence, and diversified operations are among its strengths. That said, SWMF’s public disclosures show that its gross non-performing loan (GNPL) ratio remains a concern, reflecting credit-risk challenges especially in harder-hit rural/geographic segments a structural hurdle that many microfinance institutions in Nepal continue to navigate.

Trading

Open

605.00

High

611.90

Low

596.00

Prev Close

595.00

Volume

9,499

Turnover

Rs 5,771,991.2

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

19.69

EPS TTM

19.69

BVPS

155.26

P/E Ann.

30.88

P/E TTM

30.88

Graham #

262.27

Capital

Mkt Cap

6.54 Arab

Total

1.08 Crore

Public

35.2 Lakh

Promoter

72.41 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

55.13

ADX

50.85

Overall Score

76
Above Line

Technical Score

Moving Averages

SMA 20

597.27

SMA 50

596.99

Bands & Channels

BB Width %

5.5%

Volume & Flow

OBV

737,049

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

20,398

Shares Bought

Total Sell

20,398

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

49

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

2

Quantity

5,572

Amount

3,353,795

Avg Rate

601.90

Rank

#20

Brokers

#16#60

Distributors

4

Quantity

6,563

Amount

3,963,160

Avg Rate

603.86

Rank

#19

Brokers

#53#32#49#18

Net Flow Impact:

-991units
(Rs. -609,365)

Net Flow by Timeframe

SWMF — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 32,430 ]

Buy Side

Total: 16,556

Broker

QTY

AVG

NET

%

16

3,572

599.51

+3,472

17.5%

6

2,097

609.17

+1,697

10.3%

60

2,000

606.17

+2,000

9.8%

42

1,965

604.66

+864

9.6%

41

1,700

601.54

+1,696

8.3%

43

1,299

609.32

+1,287

6.4%

34

1,060

607.73

+1,050

5.2%

75

820

608.06

+820

4.0%

37

550

609.06

+550

2.7%

94

420

607.50

+420

2.1%

59

350

606.57

+350

1.7%

52

323

607.10

+276

1.6%

3

200

607.28

+200

1.0%

36

100

591.00

+53

0.5%

40

100

608.10

+100

0.5%

Sell Side

Total: 15,874

Broker

QTY

AVG

NET

%

53

2,365

600.54

-2,365

11.6%

74

1,700

607.21

-590

8.3%

32

1,629

604.53

-1,629

8.0%

49

1,569

606.43

-1,484

7.7%

57

1,080

606.79

-280

5.3%

18

1,000

606.61

-1,000

4.9%

91

899

604.00

-899

4.4%

38

842

605.36

-732

4.1%

14

835

603.01

-646

4.1%

45

832

600.13

-269

4.1%

22

826

603.57

-826

4.0%

65

663

606.06

-663

3.3%

62

570

609.02

-570

2.8%

1

564

609.04

-244

2.8%

66

500

599.80

-500

2.5%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital01,106,286910,7830+21.47%
Reserves and Surplus0500,601596,9450-16.14%
Debentures and Bonds00.000.000-
Borrowings4,550,5745,185,7595,443,6960-12.25%
Deposits05,526,0074,824,7770+14.53%
Income Tax Liabilities06,03742,2990-85.73%
Other Liabilities353,964301,477267,2690+17.41%
Total Capital & Liabilities012,626,16712,085,7680+4.47%
Assets
Cash and Bank Balance0456,928721,3910-36.66%
Money at Call & Short Notice00.000.000-
Investments02,7002,0000+35.00%
Loan and Advances011,920,12711,135,1750+7.05%
Fixed Assets095,255100,9160-5.61%
Non Banking Assets00.000.000-
Other Assets71,471151,157126,2860-52.72%
Total Assets13,210,26812,626,16712,085,7680+4.63%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

817.5-15.66-1.88%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.543.9932.134.171.681.68%16.4816.48%

ADLB

------------------------

AKBSL

------------------------

ALBSL

1,169.6-2.34-0.2%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,899.3+30.19+0.62%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,020+2.04+0.2%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

------------------------

CBBL

987-2.77-0.28%0.040.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,362+10.41+0.77%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

862.5-4.51-0.52%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,03900%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

718+2+0.28%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900.1+5.1+0.57%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

641.3-10.23-1.57%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

------------------------

GILB

1,127.6+17.54+1.58%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,440-39.05-2.64%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,039+9.98+0.97%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

870-8.97-1.02%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1628.214.171.81.8%18.0618.06%

ILBS

965+24.91+2.65%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

------------------------

JBLB

1,289+7.94+0.62%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

923.4+10.41+1.14%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

------------------------

KLBSL

------------------------

KMCDB

775.1+0.08+0.01%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

813.9+0.89+0.11%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

709.8+9.18+1.31%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

631.9+2.02+0.32%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

------------------------
AVG1,136.412.230.14%0.010.124210.21130.26%7.2339.639.45423.397.757.1919.7410.94%5.98539.212.61537.457.1332.392.38%19.1819.13%
MED944.22.010.24%00.13179.82114%6.8534.2734.27363.248.37.2318.839.41%4.9228.01130.224.992.342.34%18.8418.84%
MAX4,899.330.192.65%0.040.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN631.9-39.05-2.64%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum