Central Finance Co. Ltd. (CFCL) Share Price & Fundamentals

Central Finance (CFCL) share price is Rs. 568.90, down 0.19% on 2026-10-12. Open Rs. 575.00. High Rs. 575.00. Low Rs. 560.30. Volume 33,226.

Central Finance Co. Ltd. is a NEPSE-listed company (CFCL), Finance sector. Revenue: Rs. 28.36 Crore. Net profit: Rs. 12.75 Crore. Net worth: Rs. 105.22 Crore.

About Central Finance Co. Ltd.

Central Finance Co. Ltd. (CFCL) has 94,88,755 shares outstanding.

Company website: centralfinance.com.np.

CFCL key metrics

CFCL strengths

What Central Finance Co. Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Lends out 58.6% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Profit grew 96.4% on last year. (Growth)
• Bad-loan charges come to -34% of income, so borrowers are paying back well. (Asset Quality)
• 97.1% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Income from lending grew 56.1% on last year, so the core business is expanding. (Growth)
• Turns 45% of its income into profit once every cost is paid. (Profitability)
• Keeps 64.3% of income as profit from everyday banking, before tax. (Profitability)
• Total income grew 27.5% on last year. (Growth)
• Loans are 50.1% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
• 12% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Owns 8.36x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• 77.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• 14.6% of income comes from sources other than interest, which spreads the risk. (Margins & Income Quality)

CFCL weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Return on shareholders' money is 6.2%, below what owners would hope for. (Profitability)
• Makes only 1.6% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Return on everything it owns is 0.7%, so its assets are not producing much. (Profitability)
• Each share is backed by only Rs 110.89 of net worth. (Shareholder Returns)
• Each share produced Rs 13.44 over the year. (Shareholder Returns)
• Staff costs take 45.9% of income, a heavy load on earnings. (Efficiency)
• Only 7.9% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• The loan book moved 1.3%, so lending is not expanding. (Growth)
• Deposits moved 0.2%, so its cheapest source of funding is not growing. (Growth)
• The bank's size moved 0.8% over the year. (Shareholder Returns)

CFCL Q4 2082/83 results

In Q4 2082/83 Central Finance Co. Ltd. reported profit of Rs. 9.06 crore and total operating income of Rs. 6.27 crore. Profit in Q3 2082/83 was a loss of Rs. 0.23 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 9.24% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 7.22 crore. Profit grew 25.55% on the same quarter last year. Total operating income fell 32.46% on the same quarter last year.

CFCL annual results 2082/83

For the financial year 2082/83 Central Finance Co. Ltd. reported net profit of Rs. 12.75 crore, total operating income of Rs. 28.36 crore and net worth of Rs. 105.22 crore. Net profit in 2081/82 was Rs. 6.5 crore. Net profit grew 96.37% on the year. Total operating income grew 27.48% on the year.

CFCL profit and loss for 2082/83

In the financial year 2082/83, Central Finance Co. Ltd. reported net interest income of Rs. 21.95 crore, net fee and commission income of Rs. 2.25 crore, net trading income of Rs. 0.64 crore, other operating income of Rs. 3.51 crore, total operating income of Rs. 28.36 crore, impairment charge/(reversal) of Rs. 9.65 crore, net operating income of Rs. 38 crore, operating expenses of Rs. 19.78 crore, operating profit of Rs. 18.22 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 18.22 crore, income tax expense of Rs. 5.47 crore and profit for the year of Rs. 12.75 crore.

Reported under net interest income: interest income of Rs. 63.93 crore and interest expense of Rs. 41.98 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.25 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.01 crore, other operating expenses of Rs. 4.27 crore and depreciation & amortisation of Rs. 2.49 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 5.47 crore and deferred tax of Rs. 0 crore.

CFCL profit and loss for 2081/82

In the financial year 2081/82, Central Finance Co. Ltd. reported net interest income of Rs. 14.06 crore, net fee and commission income of Rs. 2.33 crore, net trading income of Rs. 4.07 crore, other operating income of Rs. 1.78 crore, total operating income of Rs. 22.24 crore, impairment charge/(reversal) of Rs. 1.46 crore, net operating income of Rs. 23.71 crore, operating expenses of Rs. 17.24 crore, operating profit of Rs. 6.46 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.46 crore, income tax expense of Rs. 0.03 crore and profit for the year of Rs. 6.5 crore.

Reported under net interest income: interest income of Rs. 64.43 crore and interest expense of Rs. 50.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.33 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.39 crore, other operating expenses of Rs. 4.25 crore and depreciation & amortisation of Rs. 2.6 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.1 crore and deferred tax of Rs. 0.14 crore.

CFCL profit and loss for 2080/81

In the financial year 2080/81, Central Finance Co. Ltd. reported net interest income of Rs. 14.94 crore, net fee and commission income of Rs. 1.95 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.75 crore, total operating income of Rs. 17.64 crore, impairment charge/(reversal) of Rs. 35.98 crore, net operating income of Rs. 18.34 crore, operating expenses of Rs. 16.23 crore, operating profit of Rs. 34.56 crore, non-operating income/(expense) of Rs. 0.15 crore, profit before income tax of Rs. 34.41 crore, income tax expense of Rs. 0.28 crore and profit for the year of Rs. 34.14 crore.

Reported under net interest income: interest income of Rs. 80.65 crore and interest expense of Rs. 65.71 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.95 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.24 crore, other operating expenses of Rs. 3.89 crore and depreciation & amortisation of Rs. 3.1 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 0.07 crore and deferred tax of Rs. 0.35 crore.

CFCL balance sheet for 2081/82

In the financial year 2081/82, Central Finance Co. Ltd. reported total assets of Rs. 880.09 crore, total liabilities of Rs. 774.86 crore and total equity of Rs. 105.22 crore.

Reported under total assets: cash and cash equivalents of Rs. 60.71 crore, due from nepal rastra bank of Rs. 35.6 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 16.44 crore, loans and advances to customers of Rs. 441.13 crore, investment securities of Rs. 289.78 crore, current tax assets of Rs. 7.05 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 8.32 crore, property and equipment of Rs. 17.25 crore, goodwill and intangible assets of Rs. 0.23 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 3.57 crore. Reported under total liabilities: due to banks and fis of Rs. 7.24 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 752.47 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 4.54 crore, other liabilities of Rs. 10.62 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.89 crore, share premium of Rs. 0.04 crore, retained earnings of Rs. 30.55 crore, reserves of Rs. 40.84 crore and non controlling interest of Rs. 0 crore.

CFCL balance sheet for 2080/81

In the financial year 2080/81, Central Finance Co. Ltd. reported total assets of Rs. 872.94 crore, total liabilities of Rs. 781.08 crore and total equity of Rs. 91.87 crore.

Reported under total assets: cash and cash equivalents of Rs. 71.03 crore, due from nepal rastra bank of Rs. 33.51 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 21.56 crore, loans and advances to customers of Rs. 435.58 crore, investment securities of Rs. 282.86 crore, current tax assets of Rs. 5.91 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.02 crore, property and equipment of Rs. 18.79 crore, goodwill and intangible assets of Rs. 0.19 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 3.48 crore. Reported under total liabilities: due to banks and fis of Rs. 19.41 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 750.74 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 1.55 crore, other liabilities of Rs. 9.37 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.89 crore, share premium of Rs. 0.04 crore, retained earnings of Rs. 33.39 crore, reserves of Rs. 30.33 crore and non controlling interest of Rs. 0 crore.

CFCL balance sheet for 2079/80

In the financial year 2079/80, Central Finance Co. Ltd. reported total assets of Rs. 825.16 crore, total liabilities of Rs. 705.06 crore and total equity of Rs. 120.11 crore.

Reported under total assets: cash and cash equivalents of Rs. 81.99 crore, due from nepal rastra bank of Rs. 32.8 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 16.94 crore, loans and advances to customers of Rs. 492.2 crore, investment securities of Rs. 171.25 crore, current tax assets of Rs. 3.42 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.07 crore, property and equipment of Rs. 20.79 crore, goodwill and intangible assets of Rs. 0.23 crore, deferred tax assets of Rs. 0.63 crore and other assets of Rs. 4.85 crore. Reported under total liabilities: due to banks and fis of Rs. 19.77 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 675.59 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 9.7 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.89 crore, share premium of Rs. 0.04 crore, retained earnings of Rs. 0.29 crore, reserves of Rs. 25.46 crore and non controlling interest of Rs. 0 crore.

CFCL cash flow for 2081/82

In the financial year 2081/82, Central Finance Co. Ltd. reported net cash flow from operating activities (a) of Rs. 28.23 crore, net cash flow from investing activities (b) of Rs. 17.91 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.32 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 71.03 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 60.71 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 63.69 crore, fees and other income received of Rs. 2.33 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 49.72 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 9.35 crore, other expense paid of Rs. 5.43 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.52 crore, due from nepal rastra bank of Rs. 2.09 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 5.22 crore, loan and advances to customers of Rs. 21.32 crore, other assets of Rs. 0.29 crore, due to banks and financial institutions of Rs. 12.17 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 1.73 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.41 crore, net cash flow from operating activities before tax paid of Rs. 26.99 crore and income taxes paid of Rs. 1.24 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 3.58 crore, receipts from sale of investment securities of Rs. 10.72 crore, purchase of property and equipment of Rs. 0.71 crore, receipt from sale of property and equipment of Rs. 0.02 crore, purchase of intangible assets of Rs. 0.11 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0.62 crore, interest received of Rs. 9.18 crore and dividend received of Rs. 1.78 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

CFCL cash flow for 2080/81

In the financial year 2080/81, Central Finance Co. Ltd. reported net cash flow from operating activities (a) of Rs. 84.63 crore, net cash flow from investing activities (b) of Rs. 95.59 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.96 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 81.99 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 71.03 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 71.8 crore, fees and other income received of Rs. 1.95 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.16 crore, interest paid of Rs. 65.08 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 9.3 crore, other expense paid of Rs. 5.06 crore, operating cash flows before changes in operating assets and liabilities of Rs. 5.54 crore, due from nepal rastra bank of Rs. 0.71 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 4.67 crore, loan and advances to customers of Rs. 21.69 crore, other assets of Rs. 1.6 crore, due to banks and financial institutions of Rs. 0.36 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 75.15 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.02 crore, net cash flow from operating activities before tax paid of Rs. 87.19 crore and income taxes paid of Rs. 2.56 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 103.68 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.29 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.02 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0.37 crore, interest received of Rs. 7.61 crore and dividend received of Rs. 0.43 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

CFCL cash flow for 2079/80

In the financial year 2079/80, Central Finance Co. Ltd. reported net cash flow from operating activities (a) of Rs. 35.76 crore, net cash flow from investing activities (b) of Rs. 3.9 crore, net cash flow from financing activities (c) of Rs. 4.71 crore, net increase/(decrease) in cash and cash equivalents of Rs. 27.14 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 54.85 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 81.99 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 80.25 crore, fees and other income received of Rs. 2.11 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.03 crore, interest paid of Rs. 66.43 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 9.04 crore, other expense paid of Rs. 5.3 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.62 crore, due from nepal rastra bank of Rs. 1.56 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0.48 crore, loan and advances to customers of Rs. 7.84 crore, other assets of Rs. 1.03 crore, due to banks and financial institutions of Rs. 3.94 crore, due to nepal rastra bank of Rs. 30.02 crore, deposit from customers of Rs. 66.64 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.37 crore, net cash flow from operating activities before tax paid of Rs. 38.69 crore and income taxes paid of Rs. 2.93 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 8.5 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 2.5 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.12 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 7.07 crore and dividend received of Rs. 0.14 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 4.71 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

CFCL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Central Finance Co. Ltd. reported net interest income of Rs. 5.5 crore, net fee and commission income of Rs. 0.56 crore, net trading income of Rs. 0.21 crore, other operating income of Rs. 0 crore, total operating income of Rs. 6.27 crore, impairment charge/(reversal) of Rs. 12.66 crore, net operating income of Rs. 18.93 crore, operating expenses of Rs. 5.98 crore, operating profit of Rs. 12.94 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 12.94 crore, income tax expense of Rs. 3.88 crore and profit for the year of Rs. 9.06 crore.

Reported under net interest income: interest income of Rs. 15.83 crore and interest expense of Rs. 10.33 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.56 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.35 crore, other operating expenses of Rs. 0.31 crore and depreciation & amortisation of Rs. 1.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.88 crore and deferred tax of Rs. 0 crore.

CFCL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Central Finance Co. Ltd. reported net interest income of Rs. 6.21 crore, net fee and commission income of Rs. 0.47 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.23 crore, total operating income of Rs. 6.91 crore, impairment charge/(reversal) of Rs. 3.12 crore, net operating income of Rs. 3.78 crore, operating expenses of Rs. 4.1 crore, operating profit of Rs. 0.32 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.32 crore, income tax expense of Rs. 0.1 crore and profit for the year of Rs. 0.23 crore.

Reported under net interest income: interest income of Rs. 16.28 crore and interest expense of Rs. 10.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.47 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.45 crore, other operating expenses of Rs. 1.27 crore and depreciation & amortisation of Rs. 0.39 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.1 crore and deferred tax of Rs. 0 crore.

CFCL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Central Finance Co. Ltd. reported net interest income of Rs. 6.48 crore, net fee and commission income of Rs. 0.62 crore, net trading income of Rs. 0.43 crore, other operating income of Rs. 0 crore, total operating income of Rs. 7.53 crore, impairment charge/(reversal) of Rs. 0.09 crore, net operating income of Rs. 7.45 crore, operating expenses of Rs. 4.48 crore, operating profit of Rs. 2.96 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.96 crore, income tax expense of Rs. 0.89 crore and profit for the year of Rs. 2.07 crore.

Reported under net interest income: interest income of Rs. 17.02 crore and interest expense of Rs. 10.54 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.62 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.75 crore, other operating expenses of Rs. 1.35 crore and depreciation & amortisation of Rs. 0.38 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.89 crore and deferred tax of Rs. 0 crore.

CFCL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Central Finance Co. Ltd. reported net interest income of Rs. 3.77 crore, net fee and commission income of Rs. 0.59 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.28 crore, total operating income of Rs. 7.65 crore, impairment charge/(reversal) of Rs. 0.2 crore, net operating income of Rs. 7.85 crore, operating expenses of Rs. 5.21 crore, operating profit of Rs. 2.63 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.63 crore, income tax expense of Rs. 0.79 crore and profit for the year of Rs. 1.84 crore.

Reported under net interest income: interest income of Rs. 14.81 crore and interest expense of Rs. 11.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.59 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.47 crore, other operating expenses of Rs. 1.34 crore and depreciation & amortisation of Rs. 0.41 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.79 crore and deferred tax of Rs. 0 crore.

CFCL Profit & Loss

Values in Rs. Crore unless stated otherwise.

CFCL Balance Sheet

Values in Rs. Crore unless stated otherwise.

CFCL Cash Flow

Values in Rs. Crore unless stated otherwise.

CFCL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Central Finance share price history

Over the last 15 trading sessions CFCL closed between Rs. 559.70 and Rs. 580.00, finishing at Rs. 568.90 on 2026-10-12 against Rs. 580.00 on 2026-09-18.

CFCL share price by year

2026, between Rs. 465.20 and Rs. 699.00, 2025, between Rs. 445.10 and Rs. 701.00, 2024, between Rs. 318.00 and Rs. 820.00, 2023, between Rs. 275.50 and Rs. 423.00, 2022, between Rs. 237.00 and Rs. 556.00 and 2021, between Rs. 141.45 and Rs. 756.64.

Central Finance share price returns

At Rs. 568.90 on 2026-10-12, CFCL is up 1.64% over 1 week, down 2.70% over 1 month, down 5.89% over 3 months, up 7.34% over 6 months, up 21.53% over 1 year and up 23.80% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

CFCL floorsheet for 2026-10-12

CFCL traded 130 times on 2026-10-12, moving 33,226 shares for Rs. 1.87 crore of turnover. Trades went through between Rs. 550.00 and Rs. 575.00.

Largest buyers by volume: broker 99, Prabhu Stock Market Limited on 11,631 shares across 48 trades, broker 42, Sani Securities Company Limited on 4,020 shares across 5 trades, broker 14, Nepal Stock House Pvt. Limited on 3,360 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 3,285 shares across 9 trades, broker 49, Online Securities Limited on 2,267 shares across 5 trades, broker 40, Creative Securities Pvt.Limited on 2,000 shares across 2 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 1,709 shares across 7 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,603 shares across 7 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 1,000 shares across 3 trades and broker 58, Naasa Securities Co. Ltd. on 587 shares across 5 trades.

Largest sellers by volume: broker 71, Shubhakamana Securities Pvt. Ltd on 10,010 shares across 27 trades, broker 99, Prabhu Stock Market Limited on 8,120 shares across 9 trades, broker 39, Sumeru Securities Pvt.Limited on 2,860 shares across 12 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 1,990 shares across 2 trades, broker 47, Neev Securities Pvt.Ltd on 1,814 shares across 2 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 1,320 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 1,250 shares across 7 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 850 shares across 3 trades, broker 49, Online Securities Limited on 794 shares across 6 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 610 shares across 1 trades.

CFCL dividend history: bonus shares and cash dividend

Central Finance Co. Ltd. most recently declared a 5% cash dividend for 2078/2079, announced on 2022-12-23. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Central Finance Co. Ltd. declared a 5% cash dividend, announced on 2022-12-23.

For 2077/2078 Central Finance Co. Ltd. declared a 7.7% bonus share issue and a 3.3% cash dividend, 11% in total, announced on 2021-12-24.

CFCL general meetings

Annual and special general meetings Central Finance Co. Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 29th AGM for 2081/2082: on 2026-01-14, at Company's Central Office, Kaandevsthan, Kupondole, Lalitpur (10:30 AM)
• 29th AGM for 2081/2082
• 28th AGM for 2080/2081: on 2025-05-18, at Company's Head Office, Kaandevsthan, Kupondole, Lalitpur (10:00 AM)

6 years of annual statements and 12 quarters of results for CFCL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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