Upakar Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 2,749.00

NPR +11+0.40%

09:14 AM NPT · Aug 10, 2026

Est. 2075-11-17 B.S. (registered in Kohalpur, Banke; commenced operations on 2075-12-01) · Kohalpur, Banke, Lumbini Province, Nepal

Upakar Laghubitta Bittiya Sanstha Limited is a “D-class” microfinance institution licensed by Nepal Rastra Bank (NRB), operating primarily in the Lumbini Province of Nepal.The institution traces its formal establishment to Magh 17, 2075 B.S., when it was registered in Kohalpur, Banke; services commenced on 1 Chaitra 2075 B.S. under the regulation of the Company Act.Since then, ULBSL has expanded its reach as of its most recent disclosures it operates 36 branches across 12 districts in Lumbini Province, aiming to enhance financial inclusion by providing microfinance and related financial services to underserved, rural, or low-income communities. ULBSL offers a variety of financial products tailored to its clientele: micro-loans for livelihood, agriculture, small business and household needs; savings and deposit schemes; remittance services; and in some cases even insurance-linked microfinance solutions. The institution positions itself with a social mission promoting economic empowerment, livelihood improvement, and financial inclusion among marginalized communities, especially in areas with limited access to traditional banking. Financially, ULBSL has recently demonstrated a turnaround: in the fourth quarter of fiscal year 2081/82, the company posted a net profit of NPR 3.42 Crore, a sharp recovery from a prior year loss with earnings-per-share (EPS) reported at Rs. 32.26 and improved net worth per share.The quarter also saw growth in deposits and loan-outstanding figures, indicating rising business activity and client engagement. At the same time, the institution has disclosed increased borrowing and some deterioration in capital-adequacy and non-performing-loan (NPL) metrics reflecting the balancing act many MFIs face between growth, financial stability, and credit risk. Overall, ULBSL exemplifies a mid-sized microfinance institution with roots in community-level financial services, gradually evolving to a broader footprint while striving for financial sustainability. Its growth path reflects both the opportunities and the challenges in Nepal’s microfinance sector namely, how to extend credit access to underserved populations without compromising sound financial management.

Trading

Open

2,660.00

High

3,050.00

Low

2,660.00

Prev Close

2,738.00

Volume

807

Turnover

Rs 2,204,577.5

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

38.50

EPS TTM

40.05

BVPS

276.96

P/E Ann.

71.40

P/E TTM

68.64

Graham #

489.81

Capital

Mkt Cap

2.92 Arab

Total

10.61 Lakh

Public

3.82 Lakh

Promoter

6.79 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

38.46

ADX

55.27

Overall Score

53
Below Line

Technical Score

Moving Averages

SMA 20

2806.94

SMA 50

2887.08

Bands & Channels

BB Width %

11.82%

Volume & Flow

OBV

362,132

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

2,837

Shares Bought

Total Sell

2,837

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

43

Participating

ACCUM/DIST

Accumulation 33%

Distribution 67%

Accumulators

2

Quantity

629

Amount

1,720,637

Avg Rate

2735.51

Rank

#32

Brokers

#42#6

Distributors

2

Quantity

1,251

Amount

3,398,300

Avg Rate

2716.47

Rank

#20

Brokers

#70#38

Net Flow Impact:

-622units
(Rs. -1,677,663)

Net Flow by Timeframe

ULBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 4,129 ]

Buy Side

Total: 1,502

Broker

QTY

AVG

NET

%

42

484

2739.65

+434

17.1%

6

145

2721.70

+145

5.1%

26

140

2704.36

+140

4.9%

48

140

2700.50

+140

4.9%

62

103

2747.09

+93

3.6%

17

102

2702.75

+72

3.6%

46

74

2718.00

+74

2.6%

32

70

2705.60

+70

2.5%

80

49

2697.00

+49

1.7%

28

44

2705.00

+44

1.6%

50

40

2725.08

+30

1.4%

49

36

2705.00

+20

1.3%

44

30

2750.00

+20

1.1%

66

25

2696.20

+25

0.9%

4

20

2697.10

+20

0.7%

Sell Side

Total: 2,627

Broker

QTY

AVG

NET

%

38

931

2706.87

-232

32.8%

58

361

2744.48

-116

12.7%

70

320

2744.38

-320

11.3%

34

200

2756.45

-96

7.0%

81

181

2703.21

-181

6.4%

43

140

2742.74

-130

4.9%

45

107

2741.72

-21

3.8%

25

100

2704.02

-100

3.5%

64

80

2750.00

-65

2.8%

14

70

2709.00

-50

2.5%

33

50

2721.40

-30

1.8%

51

26

2739.58

-26

0.9%

7

21

2745.90

-11

0.7%

40

20

2904.00

-10

0.7%

41

20

3050.00

-20

0.7%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital106,148106,148106,14800.00%
Reserves and Surplus187,839119,372140,2770+57.36%
Debentures and Bonds0.000.000.000-
Borrowings886,165876,077718,5880+1.15%
Deposits1,530,9861,341,0551,159,9340+14.16%
Income Tax Liabilities13,137000-
Other Liabilities573,157427,936350,9780+33.94%
Total Capital & Liabilities3,297,4322,870,5882,475,9250+14.87%
Assets
Cash and Bank Balance14,638320,394194,3390-95.43%
Money at Call & Short Notice297,463000-
Investments0.000.000.000-
Loan and Advances2,630,3112,393,6942,163,2120+9.89%
Fixed Assets9,9359,48210,0310+4.78%
Non Banking Assets0.000.000.000-
Other Assets345,085147,018108,3430+134.72%
Total Assets3,297,4322,870,5882,475,9250+14.87%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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

915-2.02-0.22%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.30.5327.88.062.082.11%20.8421.15%

ADLB

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

AKBSL

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

ALBSL

1,090-0.98-0.09%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.20.2627.7511.072.052.79%19.2526.22%

ANLB

5,467-532.12-8.87%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.370.5764.8840.763.213.57%19.6321.79%

AVYAN

1,051-2-0.19%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.140.0619.6210.113.724.02%38.3241.45%

BPW

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

CBBL

930+1.02+0.11%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.3-26.328.962.252.36%14.4715.16%

CYCL

1,278-2.05-0.16%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

840+11.03+1.33%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.060.4518.68.533.273.39%22.6323.43%

DLBS

1,180+15.03+1.29%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.540.2859.7510.470.951.11%11.7513.61%

FMDBL

817+36+4.61%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.251.1560.6847.772.332.69%8.7210.06%

FOWAD

945+14.97+1.61%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.230.1664.748.620.950.84%7.366.5%

GBLBS

739+1.03+0.14%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,088+17.98+1.68%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.330.6324.018.522.732.85%22.1723.11%

GLBSL

1,785-10.96-0.61%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.311.4845.4714.112.452.41%27.3626.86%

GMFBS

1,174+19.96+1.73%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.690.1524.5211.043.163.12%32.1231.67%

HLBSL

884+14.01+1.61%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.20.6825.728.051.962.17%19.3621.37%

ILBS

865-11.93-1.36%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.66-26.9811.831.652.77%14.6124.44%

JALPA

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

JBLB

1,255-5.8-0.46%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.380.522.459.832.653.22%20.7325.09%

JSLBB

98000%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.530.6255.513.280.591.45%5.1212.49%

KLBS

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

KLBSL

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

KMCDB

807.9+30.92+3.98%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.38-71.2810.210.361.03%2.767.74%

LLBS

866-19.03-2.15%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.393.91156.729.231.160.4%9.573.33%

MATRI

802.1-8.92-1.1%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.59630.2399.788.040.730.44%9.155.47%

MERO

672+10.78+1.63%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.045.6546.1610.261.161.39%8.9510.63%

MKLB

------------------------
AVG1,201.41-19.230.21%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.791.01746.5312.931.962.19%16.3118.2%
MED937.50.510.06%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.990.5530.759.972.072.38%14.5418.6%
MAX5,467364.61%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.385.65156.7247.773.724.02%38.3241.45%
MIN672-532.12-8.87%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.060.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum