CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) Share Price & Fundamentals
CYC Nepal (CYCL) share price is Rs. 1,452.00, down 2.55% on 2026-09-22. Open Rs. 1,482.00. High Rs. 1,675.00. Low Rs. 1,406.00. Volume 25,904.
CYC Nepal Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (CYCL), Microfinance sector. Revenue: Rs. 51.96 Crore. Net profit: Rs. 11.51 Crore. Net worth: Rs. 62.87 Crore.
About CYC Nepal Laghubitta Bittiya Sanstha Limited
CYC Nepal Laghubitta Bittiya Sanstha Limited is a Class 'D' national-level microfinance financial institution headquartered in Pokhara Metropolitan City-08, Kaski. Registered on 11 February 2019 and licensed by Nepal Rastra Bank, it provides microfinance services to deprived and low-income households across the hilly and mountainous regions of Nepal, operating through 124 branch offices across 77 districts. Its products include general, housing, microenterprise and education loans, various savings schemes and micro-life insurance. The institution grew substantially following its merger with Adhikhola Laghubitta, and its shares are listed on NEPSE under the symbol CYCL.
CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) has 26,64,244 shares outstanding. It listed on NEPSE in 2022. Its most recent declared dividend was 0.67% on face value.
CYCL key metrics
CYCL strengths
What CYC Nepal Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Profit grew 687.9% on last year. (Growth)
- Income from lending grew 34.5% on last year, so the core business is expanding. (Growth)
- Makes 5.2% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Bad-loan charges come to 3.9% of income, so borrowers are paying back well. (Asset Quality)
- Each share earned Rs 43.2 of profit over the year. (Shareholder Returns)
- 86.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 26.9% on last year. (Growth)
- Each share is backed by Rs 235.97 of the bank's own net worth. (Shareholder Returns)
- 13.3% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- The loan book grew 15.1% on last year, so more money is being put to work. (Growth)
- Customer deposits grew 13% on last year, giving it more cheap money to lend. (Growth)
- The bank grew 15.6% bigger over the year. (Shareholder Returns)
CYCL 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 2.3%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.2%, so its assets are not producing much. (Profitability)
- Only 41.7% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 47.3% of income, a heavy load on earnings. (Efficiency)
- Loans are 92.2% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- 49.3% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Only 9.7% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Net profit margin is 22.1%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 31.3%, so running costs take too much of what core banking earns. (Profitability)
- Owns 10.28x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
CYCL Q2 2082/83 results
In Q2 2082/83 CYC Nepal Laghubitta Bittiya Sanstha Limited reported profit of Rs. 4.75 crore and total operating income of Rs. 11.68 crore. Profit in Q1 2082/83 was a loss of Rs. 1.46 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 20.44% on the previous quarter. Profit in Q2 2081/82, the same quarter a year earlier, was Rs. 4.87 crore. Profit fell 2.58% on the same quarter last year. Total operating income grew 6.01% on the same quarter last year.
CYCL annual results 2081/82
For the financial year 2081/82 CYC Nepal Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 11.51 crore, total operating income of Rs. 51.96 crore and net worth of Rs. 62.87 crore. Net profit in 2080/81 was Rs. 1.46 crore. Net profit grew 687.90% on the year. Total operating income grew 26.91% on the year.
CYCL profit and loss for 2081/82
In the financial year 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 45.04 crore, net fee and commission income of Rs. 6.92 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 51.96 crore, impairment charge/(reversal) of Rs. 2.02 crore, net operating income of Rs. 49.94 crore, operating expenses of Rs. 33.67 crore, operating profit of Rs. 16.27 crore, non-operating income/(expense) of Rs. 0.51 crore, profit before income tax of Rs. 16.78 crore, income tax expense of Rs. 5.27 crore and profit for the year of Rs. 11.51 crore.
Reported under net interest income: interest income of Rs. 89 crore and interest expense of Rs. 43.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.92 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.6 crore, other operating expenses of Rs. 8.23 crore and depreciation & amortisation of Rs. 0.84 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.51 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 5.27 crore and deferred tax of Rs. 0 crore.
CYCL profit and loss for 2080/81
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 33.49 crore, net fee and commission income of Rs. 7.43 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 40.95 crore, impairment charge/(reversal) of Rs. 6.61 crore, net operating income of Rs. 34.34 crore, operating expenses of Rs. 33.51 crore, operating profit of Rs. 0.82 crore, non-operating income/(expense) of Rs. 0.82 crore, profit before income tax of Rs. 1.64 crore, income tax expense of Rs. 0.18 crore and profit for the year of Rs. 1.46 crore.
Reported under net interest income: interest income of Rs. 82.9 crore and interest expense of Rs. 49.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.49 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.73 crore, other operating expenses of Rs. 5.87 crore and depreciation & amortisation of Rs. 2.92 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.82 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.52 crore and deferred tax of Rs. 1.34 crore.
CYCL profit and loss for 2079/80
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 25.76 crore, net fee and commission income of Rs. 5.69 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 31.47 crore, impairment charge/(reversal) of Rs. 3.25 crore, net operating income of Rs. 34.72 crore, operating expenses of Rs. 27.91 crore, operating profit of Rs. 6.81 crore, non-operating income/(expense) of Rs. 0.37 crore, profit before income tax of Rs. 7.18 crore, income tax expense of Rs. 2.51 crore and profit for the year of Rs. 4.67 crore.
Reported under net interest income: interest income of Rs. 64.47 crore and interest expense of Rs. 38.71 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.71 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.26 crore, other operating expenses of Rs. 5.22 crore and depreciation & amortisation of Rs. 2.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.37 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.06 crore and deferred tax of Rs. 0.55 crore.
CYCL balance sheet for 2080/81
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 646.31 crore, total liabilities of Rs. 583.44 crore and total equity of Rs. 62.87 crore.
Reported under total assets: cash and cash equivalents of Rs. 30.21 crore, due from nepal rastra bank of Rs. 2.8 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 595.97 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 2.66 crore, property and equipment of Rs. 3.39 crore, goodwill and intangible assets of Rs. 0.14 crore, deferred tax assets of Rs. 3.35 crore and other assets of Rs. 7.78 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 243.55 crore, borrowings of Rs. 287.34 crore, current tax liabilities of Rs. 1.35 crore, provisions of Rs. 0 crore, other liabilities of Rs. 51.19 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 26.64 crore, retained earnings of Rs. 2.34 crore and reserves of Rs. 33.89 crore.
CYCL balance sheet for 2079/80
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 559.24 crore, total liabilities of Rs. 500.16 crore and total equity of Rs. 59.09 crore.
Reported under total assets: cash and cash equivalents of Rs. 16.23 crore, due from nepal rastra bank of Rs. 2.65 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 517.65 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.76 crore, property and equipment of Rs. 3.86 crore, goodwill and intangible assets of Rs. 0.16 crore, deferred tax assets of Rs. 2.97 crore and other assets of Rs. 13.98 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 215.57 crore, borrowings of Rs. 230.21 crore, current tax liabilities of Rs. 3.06 crore, provisions of Rs. 0 crore, other liabilities of Rs. 51.33 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 26.64 crore, retained earnings of Rs. 0.02 crore and reserves of Rs. 32.43 crore.
CYCL cash flow for 2080/81
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 14.6 crore, net cash flow from investing activities (b) of Rs. 0.56 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 9.65 crore and cash and cash equivalents at ashadh end of Rs. 30.21 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 82.52 crore, fees and other income received of Rs. 8.3 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 50.64 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 23.97 crore, other expense paid of Rs. 7.91 crore, operating cash flows before changes in operating assets and liabilities of Rs. 8.3 crore, due from nepal rastra bank of Rs. 0 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 crore, loan and advances to customers of Rs. 84.94 crore, other assets of Rs. 6 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 27.98 crore, borrowings of Rs. 58.84 crore, other liabilities of Rs. 1.65 crore, net cash flow from operating activities before tax paid of Rs. 9.53 crore and income taxes paid of Rs. 3.23 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.53 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.03 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. 0 crore and dividend received of Rs. 0 crore.
CYCL cash flow for 2079/80
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 37.61 crore, net cash flow from investing activities (b) of Rs. 1.93 crore and cash and cash equivalents at ashadh end of Rs. 16.23 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 61.34 crore, fees and other income received of Rs. 6.01 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 38.74 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 19.59 crore, other expense paid of Rs. 6.61 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.41 crore, due from nepal rastra bank of Rs. 0 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 crore, loan and advances to customers of Rs. 176.18 crore, other assets of Rs. 2.14 crore, due to banks and financial institutions of Rs. 6.52 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 76.94 crore, borrowings of Rs. 59.94 crore, other liabilities of Rs. 7.21 crore, net cash flow from operating activities before tax paid of Rs. 36.47 crore and income taxes paid of Rs. 3.55 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 1.93 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 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. 0 crore and dividend received of Rs. 0 crore.
CYCL quarterly for Q3 2082/83
In the quarter Q3 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.96 crore, net fee and commission income of Rs. 1.71 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 11.68 crore, impairment charge/(reversal) of Rs. 1.89 crore, net operating income of Rs. 9.78 crore and operating expenses of Rs. 5.85 crore.
Reported under net interest income: interest income of Rs. 19.88 crore and interest expense of Rs. 9.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.71 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.61 crore and depreciation & amortisation of Rs. 0.24 crore.
CYCL quarterly for Q2 2082/83
In the quarter Q2 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.74 crore, net fee and commission income of Rs. 1.94 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.68 crore, impairment charge/(reversal) of Rs. 0.4 crore, net operating income of Rs. 15.08 crore, operating expenses of Rs. 8.62 crore, operating profit of Rs. 6.45 crore, non-operating income/(expense) of Rs. 0.33 crore, profit before income tax of Rs. 6.78 crore, income tax expense of Rs. 2.04 crore and profit for the year of Rs. 4.75 crore.
Reported under net interest income: interest income of Rs. 22.82 crore and interest expense of Rs. 10.08 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.94 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.88 crore, other operating expenses of Rs. 2.5 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.33 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.04 crore and deferred tax of Rs. 0 crore.
CYCL quarterly for Q1 2082/83
In the quarter Q1 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.55 crore, net fee and commission income of Rs. 1.58 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 9.13 crore, impairment charge/(reversal) of Rs. 2.32 crore, net operating income of Rs. 6.81 crore, operating expenses of Rs. 8.46 crore, operating profit of Rs. 1.65 crore, non-operating income/(expense) of Rs. 0.19 crore, profit before income tax of Rs. 1.46 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 1.46 crore.
Reported under net interest income: interest income of Rs. 18.52 crore and interest expense of Rs. 10.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.58 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.5 crore, other operating expenses of Rs. 1.72 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.19 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.
CYCL quarterly for Q4 2081/82
In the quarter Q4 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.82 crore, net fee and commission income of Rs. 2.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 18.5 crore, impairment charge/(reversal) of Rs. 0.23 crore, net operating income of Rs. 18.27 crore, operating expenses of Rs. 9.63 crore, operating profit of Rs. 8.65 crore, non-operating income/(expense) of Rs. 0.16 crore, profit before income tax of Rs. 8.8 crore, income tax expense of Rs. 2.64 crore and profit for the year of Rs. 6.16 crore.
Reported under net interest income: interest income of Rs. 26.39 crore and interest expense of Rs. 10.57 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.68 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.08 crore, other operating expenses of Rs. 2.3 crore and depreciation & amortisation of Rs. 0.25 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.64 crore and deferred tax of Rs. 0 crore.
CYCL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Interest Income | 45.0 | 33.5 | 25.8 |
|---|
| Interest Income | 89.0 | 82.9 | 64.5 |
|---|
| Interest Expense | -44.0 | -49.4 | -38.7 |
|---|
| Net Fee and Commission Income | 6.9 | 7.4 | 5.7 |
|---|
| Fee and Commission Income | 6.9 | 7.5 | 5.7 |
|---|
| Fee and Commission Expense | -0.00 | -0.06 | -0.02 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.03 | 0.02 |
|---|
| Total Operating Income | 52.0 | 40.9 | 31.5 |
|---|
| Impairment Charge/(Reversal) | -2.0 | -6.6 | 3.2 |
|---|
| Net Operating Income | 49.9 | 34.3 | 34.7 |
|---|
| Operating Expenses | -33.7 | -33.5 | -27.9 |
|---|
| Operating Expense - Personnel Expenses | -24.6 | -24.7 | -20.3 |
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| Other Operating Expenses | -8.2 | -5.9 | -5.2 |
|---|
| Depreciation & Amortisation | -0.84 | -2.9 | -2.4 |
|---|
| Operating Profit | 16.3 | 0.82 | 6.8 |
|---|
| Non-Operating Income/(Expense) | 0.51 | 0.82 | 0.37 |
|---|
| Non-Operating Income | 0.51 | 0.82 | 0.37 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 16.8 | 1.6 | 7.2 |
|---|
| Income Tax Expense | -5.3 | -0.18 | -2.5 |
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| Current Tax | -5.3 | -1.5 | -3.1 |
|---|
| Deferred Tax | 0.00 | 1.3 | 0.55 |
|---|
| Profit for the Year | 11.5 | 1.5 | 4.7 |
|---|
CYCL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
|---|
| Total Assets | 646 | 559 |
|---|
| Cash and Cash Equivalents | 30.2 | 16.2 |
|---|
| Due from Nepal Rastra Bank | 2.8 | 2.7 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | 0.00 | 0.00 |
|---|
| Loans and Advances to Customers | 596 | 518 |
|---|
| Investment Securities | 0.00 | 0.00 |
|---|
| Current Tax Assets | 2.7 | 1.8 |
|---|
| Property and Equipment | 3.4 | 3.9 |
|---|
| Goodwill and Intangible Assets | 0.14 | 0.16 |
|---|
| Deferred Tax Assets | 3.4 | 3.0 |
|---|
| Other Assets | 7.8 | 14.0 |
|---|
| Total Liabilities | 583 | 500 |
|---|
| Due to Banks and FIs | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
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| Deposits from Customers | 244 | 216 |
|---|
| Borrowings | 287 | 230 |
|---|
| Current Tax Liabilities | 1.4 | 3.1 |
|---|
| Provisions | 0.00 | 0.00 |
|---|
| Other Liabilities | 51.2 | 51.3 |
|---|
| Debt Securities Issued | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 |
|---|
| Total Equity | 62.9 | 59.1 |
|---|
| Share Capital | 26.6 | 26.6 |
|---|
| Retained Earnings | 2.3 | 0.02 |
|---|
| Reserves | 33.9 | 32.4 |
|---|
CYCL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
|---|
| Net Cash Flow from Operating Activities (A) | 14.6 | -37.6 |
|---|
| Interest Received | 82.5 | 61.3 |
|---|
| Fees and Other Income Received | 8.3 | 6.0 |
|---|
| Dividend Received | 0.00 | 0.00 |
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| Receipts from Other Operating Activities | 0.00 | 0.00 |
|---|
| Interest Paid | -50.6 | -38.7 |
|---|
| Commission and Fees Paid | 0.00 | 0.00 |
|---|
| Cash Payment to Employees | -24.0 | -19.6 |
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| Other Expense Paid | -7.9 | -6.6 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 8.3 | 2.4 |
|---|
| Due from Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | -84.9 | -176 |
|---|
| Other Assets | 6.0 | 2.1 |
|---|
| Due to Banks and Financial Institutions | 0.00 | -6.5 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Deposit from Customers | 28.0 | 76.9 |
|---|
| Borrowings | 58.8 | 59.9 |
|---|
| Other Liabilities | 1.6 | 7.2 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 9.5 | -36.5 |
|---|
| Income Taxes Paid | -3.2 | -3.5 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.56 | -1.9 |
|---|
| Purchase of Investment Securities | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -0.53 | -1.9 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | -0.03 | 0.00 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 |
|---|
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 |
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| Repayment of Subordinated Liabilities | 0.00 | 0.00 |
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| Receipt from Issue of Shares | 0.00 | 10.8 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 9.7 | Not reported |
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| Cash and Cash Equivalents at Ashadh End | 30.2 | 16.2 |
|---|
CYCL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Interest Income | 10.0 | 12.7 | 7.6 | 15.8 | 11.8 | 10.0 | 7.4 | 11.1 |
|---|
| Interest Income | 19.9 | 22.8 | 18.5 | 26.4 | 22.1 | 20.9 | 19.6 | 24.2 |
|---|
| Interest Expense | -9.9 | -10.1 | -11.0 | -10.6 | -10.3 | -10.9 | -12.2 | -13.1 |
|---|
| Net Fee and Commission Income | 1.7 | 1.9 | 1.6 | 2.7 | 1.8 | 1.0 | 1.4 | 2.0 |
|---|
| Fee and Commission Income | 1.7 | 1.9 | 1.6 | 2.7 | 1.8 | 1.0 | 1.4 | 2.0 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 11.7 | 14.7 | 9.1 | 18.5 | 13.6 | 11.0 | 8.9 | 13.1 |
|---|
| Impairment Charge/(Reversal) | -1.9 | 0.40 | -2.3 | -0.23 | -4.3 | 4.1 | -1.5 | -1.7 |
|---|
| Net Operating Income | 9.8 | 15.1 | 6.8 | 18.3 | 9.3 | 15.1 | 7.3 | 11.5 |
|---|
| Operating Expenses | -5.8 | -8.6 | -8.5 | -9.6 | -7.6 | -8.2 | -8.3 | -10.2 |
|---|
| Operating Expense - Personnel Expenses | -5.6 | -5.9 | -6.5 | -7.1 | -5.2 | -6.0 | -6.4 | -7.3 |
|---|
| Other Operating Expenses | Not reported | -2.5 | -1.7 | -2.3 | -2.2 | -2.0 | -1.7 | -2.7 |
|---|
| Depreciation & Amortisation | -0.24 | -0.24 | -0.24 | -0.25 | -0.19 | -0.19 | -0.21 | -0.24 |
|---|
| Operating Profit | Not reported | 6.5 | -1.7 | 8.6 | 1.7 | 6.9 | -0.97 | 1.2 |
|---|
| Non-Operating Income/(Expense) | Not reported | 0.33 | 0.19 | 0.16 | 0.12 | 0.06 | 0.17 | 0.20 |
|---|
| Non-Operating Income | Not reported | 0.33 | 0.19 | 0.16 | 0.12 | 0.06 | 0.17 | 0.20 |
|---|
| Non-Operating Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | Not reported | 6.8 | -1.5 | 8.8 | 1.8 | 7.0 | -0.80 | 1.4 |
|---|
| Income Tax Expense | Not reported | -2.0 | 0.00 | -2.6 | -0.54 | -2.1 | 0.00 | -0.43 |
|---|
| Current Tax | Not reported | -2.0 | 0.00 | -2.6 | -0.54 | -2.1 | 0.00 | -0.43 |
|---|
| Deferred Tax | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | Not reported | 4.7 | -1.5 | 6.2 | 1.3 | 4.9 | -0.80 | 1.0 |
|---|
CYC Nepal share price history
Over the last 15 trading sessions CYCL closed between Rs. 1,452.00 and Rs. 1,615.00, finishing at Rs. 1,452.00 on 2026-09-22 against Rs. 1,609.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,482.00 | 1,675.00 | 1,406.00 | 1,452.00 | 25,904 |
|---|
| 2026-09-18 | 1,450.00 | 1,530.00 | 1,421.10 | 1,490.00 | 12,171 |
|---|
| 2026-09-17 | 1,496.90 | 1,544.00 | 1,420.00 | 1,458.00 | 5,738 |
|---|
| 2026-09-16 | 1,465.00 | 1,500.00 | 1,407.60 | 1,462.00 | 11,242 |
|---|
| 2026-09-15 | 1,574.00 | 1,574.00 | 1,450.00 | 1,490.00 | 6,753 |
|---|
| 2026-09-14 | 1,450.00 | 1,559.00 | 1,380.00 | 1,500.00 | 10,053 |
|---|
| 2026-09-11 | 1,450.00 | 1,554.00 | 1,450.00 | 1,513.00 | 4,576 |
|---|
| 2026-09-10 | 1,520.00 | 1,595.00 | 1,462.00 | 1,520.00 | 17,391 |
|---|
| 2026-09-09 | 1,504.80 | 1,619.00 | 1,504.80 | 1,550.00 | 3,748 |
|---|
| 2026-09-07 | 1,569.30 | 1,647.00 | 1,510.10 | 1,584.00 | 13,229 |
|---|
| 2026-09-03 | 1,559.30 | 1,638.00 | 1,515.10 | 1,599.90 | 12,853 |
|---|
| 2026-09-02 | 1,500.00 | 1,642.00 | 1,500.00 | 1,574.90 | 8,606 |
|---|
| 2026-09-01 | 1,534.30 | 1,697.00 | 1,521.00 | 1,528.00 | 5,065 |
|---|
| 2026-08-31 | 1,620.00 | 1,630.00 | 1,512.00 | 1,615.00 | 10,510 |
|---|
| 2026-08-26 | 1,516.20 | 1,650.00 | 1,500.00 | 1,609.00 | 20,879 |
|---|
CYCL share price by year
2026, between Rs. 1,216.00 and Rs. 1,768.40, 2025, between Rs. 1,462.00 and Rs. 2,040.00, 2024, between Rs. 1,007.10 and Rs. 1,923.90, 2023, between Rs. 882.00 and Rs. 2,148.00 and 2022, between Rs. 294.00 and Rs. 2,103.69.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,216.00 | 1,768.40 | 168 |
|---|
| 2025 | 1,462.00 | 2,040.00 | 225 |
|---|
| 2024 | 1,007.10 | 1,923.90 | 232 |
|---|
| 2023 | 882.00 | 2,148.00 | 153 |
|---|
| 2022 | 294.00 | 2,103.69 | 34 |
|---|
CYC Nepal share price returns
At Rs. 1,452.00 on 2026-09-22, CYCL is down 2.55% over 1 week, down 0.95% over 1 month, down 9.63% over 3 months, down 11.14% over 6 months and down 8.19% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | -2.55% | 1,490.00 | 2026-09-15 |
|---|
| 1 month | -0.95% | 1,466.00 | 2026-08-21 |
|---|
| 3 months | -9.63% | 1,606.80 | 2026-06-24 |
|---|
| 6 months | -11.14% | 1,634.00 | 2026-03-26 |
|---|
| 1 year | -8.19% | 1,581.58 | 2025-09-21 |
|---|
CYCL floorsheet for 2026-09-22
CYCL traded 267 times on 2026-09-22, moving 25,844 shares for Rs. 3.84 crore of turnover. Trades went through between Rs. 1,403.00 and Rs. 1,675.00.
Largest buyers by volume: broker 48, Trishakti Securities Public Limited on 13,046 shares across 113 trades, broker 95, Magnet Securities and Investment Company Private Limited on 2,381 shares across 9 trades, broker 83, Sanima Securities Limited on 1,500 shares across 1 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 1,000 shares across 2 trades, broker 49, Online Securities Limited on 955 shares across 9 trades, broker 58, Naasa Securities Co. Ltd. on 931 shares across 21 trades, broker 45, Imperial Securities Co. Limited on 722 shares across 16 trades, broker 78, Garima Securities Limited on 503 shares across 2 trades, broker 32, Premier Securites Company Limited on 460 shares across 9 trades and broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 427 shares across 12 trades.
Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 14,317 shares across 137 trades, broker 58, Naasa Securities Co. Ltd. on 2,198 shares across 22 trades, broker 49, Online Securities Limited on 1,101 shares across 6 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,100 shares across 10 trades, broker 52, Sundhara Securities Limited on 774 shares across 5 trades, broker 45, Imperial Securities Co. Limited on 732 shares across 9 trades, broker 41, Linch Stock Market Limited on 613 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 573 shares across 3 trades, broker 37, Swarnalaxmi Securities Pvt.Limited on 500 shares across 2 trades and broker 17, ABC Securities Pvt. Limited on 462 shares across 3 trades.
CYCL dividend history: bonus shares and cash dividend
CYC Nepal Laghubitta Bittiya Sanstha Limited most recently declared a 12.76% bonus share issue for 2081/2082, announced on 2025-12-21. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 12.76% | | 2025-12-21 |
| 2078/2079 | 30% | | 2022-12-29 |
For 2081/2082 CYC Nepal Laghubitta Bittiya Sanstha Limited declared a 12.76% bonus share issue, announced on 2025-12-21.
For 2078/2079 CYC Nepal Laghubitta Bittiya Sanstha Limited declared a 30% bonus share issue, announced on 2022-12-29.
CYCL general meetings
Annual and special general meetings CYC Nepal Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 7th AGM for 2081/2082: on 2026-08-15, at Hotel Deepsagar Hotel Restaurant and Bar Pvt. Limited's Sabha Hall (11:00 AM)
- 7th AGM for 2081/2082
- 6th AGM for 2080/2081: on 2025-01-25, at Hotel Deepsagar Pvt. Limited, Pokhara Municipality-08, Newroad, Nepal (11:00 AM)
3 years of annual statements and 8 quarters of results for CYCL, with charts and peer comparison, are free on NepView.
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