Unnati Sahakarya Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,264.90

NPR +14.9+1.19%

09:14 AM NPT · May 13, 2026

Est. 2070-09-17 B.S. (licensed by NRB on 2071-04-21 and began operations on 2071-07-21) · Butwal, Rupandehi, Nepal · CEO: Govinda Wagle

Unnati Sahakarya Laghubitta is a licensed microfinance institution in Nepal that operates under a class-“D” microfinance license issued by Nepal Rastra Bank (NRB).The company was registered as a public limited company on 2070/09/17 B.S. under the Company Act 2063, and after receiving its license from NRB on 2071/04/21 B.S., it began formal microfinance operations from 21/07/2017 onward.USLB provides microfinance and financial-inclusion services targeted at underserved, low-income, or rural populations. Its branch network is fairly wide: the institution operates through 82 branches across 28 districts of Nepal, covering both the Terai and hilly regions. Through these branches, USLB offers micro-loans, savings/deposit services, and other community-oriented financial products helping individuals, small farmers, micro-entrepreneurs, and rural households access credit and savings services that might otherwise be out of reach.As a publicly listed microfinance company (symbol "USLB") on the Nepal Stock Exchange (NEPSE) since its listing on March 06, 2018 USLB’s shareholding structure is disclosed: there are about 2,468,657 listed shares (face value Rs. 100), with a mix of promoter and public shareholding. The paid-up capital stands around NPR 246,865,700.00. USLB plays a role in promoting financial inclusion and livelihoods, especially in underdeveloped regions of Nepal, by offering microfinance services and extending financial services beyond urban centers. Over the years, it has attempted to grow its operations and serve as a bridge between formal banking/finance services and marginalized communities.

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Trading

Open

1,253.00

High

1,264.90

Low

1,250.00

Prev Close

1,250.00

Volume

389

Turnover

Rs 487,296

Txns

Valuation · Q2 FY25/26

EPS Ann.

17.04

EPS TTM

27.18

BVPS

159.37

P/E Ann.

74.23

P/E TTM

46.54

Graham #

247.19

Capital

Mkt Cap

3.12 Arab

Total

24.69 Lakh

Public

7.41 Lakh

Promoter

17.28 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

28.62

ADX

59.91

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1307.66

SMA 50

1393.38

Bands & Channels

BB Width %

13.69%

Volume & Flow

OBV

335,547

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

5,888

Shares Bought

Total Sell

5,888

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

2,635

Amount

3,300,667

Avg Rate

1252.62

Rank

#27

Brokers

#57#35#42

Distributors

Quantity

2,195

Amount

2,753,487

Avg Rate

1254.44

Rank

#32

Brokers

#66#48#14

Net Flow Impact:

+440units

(Rs. 547,180)

Net Flow by Timeframe

USLB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 9,518 ]

Buy Side

Total: 4,817

Broker

QTY

AVG

NET

1,073

1250.61

+863

18.2%

826

1254.60

+816

14.0%

736

1253.34

+421

12.5%

380

1261.78

+238

6.5%

304

1254.46

+304

5.2%

270

1251.96

+181

4.6%

260

1256.92

+97

4.4%

175

1261.20

+175

3.0%

135

1239.89

+135

2.3%

135

1258.50

+135

2.3%

113

1260.42

+113

1.9%

109

1261.82

+109

1.9%

101

1262.23

+101

1.7%

100

1270.00

+100

1.7%

100

1251.50

+20

1.7%

Sell Side

Total: 4,701

Broker

QTY

AVG

NET

955

1252.64

-955

16.2%

820

1252.87

-820

13.9%

420

1261.58

-410

7.1%

420

1249.70

-251

7.1%

419

1263.50

-369

7.1%

342

1242.77

-52

5.8%

310

1257.99

-310

5.3%

250

1261.72

-250

4.3%

200

1253.00

-200

3.4%

200

1241.38

-160

3.4%

1262.00

-90

1.5%

1245.59

-85

1.4%

1250.00

-80

1.4%

1259.50

-40

1.0%

1263.00

-50

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	246,865,736	246,865,736	246,865,736	229,020,618	0.00%
Reserves and Surplus	146,569,612	82,378,928	76,467,372	124,904,306	+77.92%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	2,310,585,415	2,296,291,169	2,375,738,719	2,155,307,792	+0.62%
Deposits	1,261,346,747	1,137,650,911	1,099,286,765	1,202,407,938	+10.87%
Income Tax Liabilities	0.00	0.00	2513407.80	2271778.00	-
Other Liabilities	242,795,824	182,252,594	115,201,108	105,169,585	+33.22%
Total Capital & Liabilities	4,212,297,355	3,945,439,338	3,916,073,108	3,819,082,017	+6.76%
Assets
Cash and Bank Balance	155,052,170	141,265,652	278,667,033	235,977,890	+9.76%
Money at Call & Short Notice	40,000,000	0	0	0	-
Investments	597,846	1,000,000	1,000,000	1,000,000	-40.22%
Loan and Advances	3,781,957,304	3,637,369,005	3,507,048,543	3,437,977,414	+3.98%
Fixed Assets	32,363,203	47,963,198	10,508,408	51,567,704	-32.52%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	202,326,832	117,841,484	118,849,124	91,791,479	+71.69%
Total Assets	4,212,297,355	3,945,439,338	3,916,073,108	3,818,314,488	+6.76%

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%