Unnati Sahakarya Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 981.00

NPR +19.4+2.02%

09:14 AM NPT · Nov 6, 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

980.00

High

988.00

Low

964.00

Prev Close

961.60

Volume

2,638

Turnover

Rs 2,562,755.1

Txns

Valuation · Q4 FY25/26

EPS Ann.

28.02

EPS TTM

28.02

BVPS

178.87

P/E Ann.

35.01

P/E TTM

35.01

Graham #

335.81

Capital

Mkt Cap

2.53 Arab

Total

25.82 Lakh

Public

11.47 Lakh

Promoter

14.35 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

38.2

ADX

40.17

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1027.22

SMA 50

1046.44

Bands & Channels

BB Width %

13.04%

Volume & Flow

OBV

317,762

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

12,571

Shares Bought

Total Sell

12,571

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

3,706

Amount

3,626,288

Avg Rate

978.49

Rank

#18

Brokers

#58#37#26#53

Distributors

Quantity

4,991

Amount

4,864,103

Avg Rate

974.57

Rank

#14

Brokers

#48

Net Flow Impact:

-1,285units

(Rs. -1,237,815)

Net Flow by Timeframe

USLB — Broker Breakdown (7D)

15 Buyers10 Sellers

[ Vol: 19,951 ]

Buy Side

Total: 8,599

Broker

QTY

AVG

NET

1,369

988.65

+1,330

10.9%

1,025

976.65

+1,025

8.2%

737

969.10

+737

5.9%

694

977.97

+555

5.5%

575

969.62

+575

4.6%

520

992.48

+463

4.1%

520

975.16

+320

4.1%

503

978.68

+503

4.0%

486

971.98

+465

3.9%

429

997.74

+429

3.4%

415

969.10

+405

3.3%

406

992.08

+406

3.2%

350

992.09

+220

2.8%

300

990.67

+300

2.4%

270

985.22

+270

2.1%

Sell Side

Total: 11,352

Broker

QTY

AVG

NET

4,991

974.57

-4,961

39.7%

2,908

985.70

-2,168

23.1%

2,190

978.47

-1,887

17.4%

405

993.44

-16

3.2%

372

1004.46

-88

3.0%

235

981.62

-220

1.9%

109

984.53

-9

0.9%

101

988.00

-89

0.7%

995.00

-4

0.2%

985.00

-24

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	246,866	246,866	0	0.00%
Reserves and Surplus	0	119,016	89,346	0	+33.21%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	2,335,753	2,354,284	2,387,332	0	-0.79%
Deposits	0	1,209,593	1,096,508	0	+10.31%
Income Tax Liabilities	0	11,394	6,230	0	+82.89%
Other Liabilities	258,401	108,565	185,520	0	+138.01%
Total Capital & Liabilities	0	4,049,718	4,011,802	0	+0.95%
Assets
Cash and Bank Balance	0	140,140	243,550	0	-42.46%
Money at Call & Short Notice	0	40,000	0	0	-
Investments	0	1000.00	1000.00	0	0.00%
Loan and Advances	0	3,761,927	3,583,562	0	+4.98%
Fixed Assets	0	31,963	52,397	0	-39.00%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	227,987	74,688	131,294	0	+205.25%
Total Assets	4,410,753	4,049,718	4,011,802	0	+8.92%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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	817.5	-15.66	-1.88%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	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	1,127.6	+17.54	+1.58%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,039	+9.98	+0.97%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,136.41	2.23	0.14%	0.01	0.124	210.21	130.26%	7.23	39.6	39.45	423.39	7.75	7.19	19.74	10.94%	5.985	39.21	2.615	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	944.2	2.01	0.24%	0	0.13	179.82	114%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	1	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.04	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%