CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) Share Price & Fundamentals

CYC Nepal (CYCL) share price is Rs. 1,479.90, down 0.20% on 2026-10-12. Open Rs. 1,449.10. High Rs. 1,480.00. Low Rs. 1,440.00. Volume 6,650.

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

Market CapRs. 394.28 Crore
P/E Ratio (TTM)11.74
Loss Per ShareRs. 33.81
EPS (TTM)Rs. 126.08
Book ValueRs. 204.31
Dividend Yield0.05%
Face ValueRs. 100.00
52 Week HighRs. 1,768.40
52 Week LowRs. 1,216.00
Listed Since2022

CYCL strengths

What CYC Nepal Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.

CYCL weaknesses

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

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 2081/82

In the financial year 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 27.72 crore, net cash flow from investing activities (b) of Rs. 1.04 crore, net cash flow from financing activities (c) of Rs. 0.34 crore, net increase/(decrease) in cash and cash equivalents of Rs. 26.34 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 33.01 crore and cash and cash equivalents at ashadh end of Rs. 59.35 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 89 crore, fees and other income received of Rs. 7.43 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 43.96 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 22.45 crore, other expense paid of Rs. 8.29 crore, operating cash flows before changes in operating assets and liabilities of Rs. 21.74 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. 42.08 crore, other assets of Rs. 0.21 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. 32.85 crore, borrowings of Rs. 22.84 crore, other liabilities of Rs. 4.88 crore, net cash flow from operating activities before tax paid of Rs. 8.95 crore and income taxes paid of Rs. 2.96 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. 1.04 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. 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 and other receipt/payment of Rs. 0.34 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, net cash flow from financing activities (c) of Rs. 0.09 crore, net increase/(decrease) in cash and cash equivalents of Rs. 14.13 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 18.88 crore and cash and cash equivalents at ashadh end of Rs. 33.01 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. 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 and other receipt/payment of Rs. 0.09 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. 18.88 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.

Particulars2081/822080/812079/80
Net Interest Income45.033.525.8
   Interest Income89.082.964.5
   Interest Expense-44.0-49.4-38.7
Net Fee and Commission Income6.97.45.7
   Fee and Commission Income6.97.55.7
   Fee and Commission Expense-0.00-0.06-0.02
Net Trading Income0.000.000.00
Other Operating Income0.000.030.02
Total Operating Income52.040.931.5
Impairment Charge/(Reversal)-2.0-6.63.2
Net Operating Income49.934.334.7
Operating Expenses-33.7-33.5-27.9
   Operating Expense - Personnel Expenses-24.6-24.7-20.3
   Other Operating Expenses-8.2-5.9-5.2
   Depreciation & Amortisation-0.84-2.9-2.4
Operating Profit16.30.826.8
Non-Operating Income/(Expense)0.510.820.37
   Non-Operating Income0.510.820.37
   Non-Operating Expense0.000.000.00
Profit Before Income Tax16.81.67.2
Income Tax Expense-5.3-0.18-2.5
   Current Tax-5.3-1.5-3.1
   Deferred Tax0.001.30.55
Profit for the Year11.51.54.7

CYCL Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2080/812079/80
Total Assets646559
   Cash and Cash Equivalents30.216.2
   Due from Nepal Rastra Bank2.82.7
   Placement with Banks and FIs0.000.00
   Other Trading Assets0.000.00
   Loans and Advances to Banks and FIs0.000.00
   Loans and Advances to Customers596518
   Investment Securities0.000.00
   Current Tax Assets2.71.8
   Property and Equipment3.43.9
   Goodwill and Intangible Assets0.140.16
   Deferred Tax Assets3.43.0
   Other Assets7.814.0
Total Liabilities583500
   Due to Banks and FIs0.000.00
   Due to Nepal Rastra Bank0.000.00
   Deposits from Customers244216
   Borrowings287230
   Current Tax Liabilities1.43.1
   Provisions0.000.00
   Other Liabilities51.251.3
   Debt Securities Issued0.000.00
   Subordinated Liabilities0.000.00
Total Equity62.959.1
   Share Capital26.626.6
   Retained Earnings2.30.02
   Reserves33.932.4

CYCL Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/80
Net Cash Flow from Operating Activities (A)27.714.6-37.6
   Interest Received89.082.561.3
   Fees and Other Income Received7.48.36.0
   Dividend Received0.000.000.00
   Receipts from Other Operating Activities0.000.000.00
   Interest Paid-44.0-50.6-38.7
   Commission and Fees Paid0.000.000.00
   Cash Payment to Employees-22.4-24.0-19.6
   Other Expense Paid-8.3-7.9-6.6
   Operating Cash Flows Before Changes in Operating Assets and Liabilities21.78.32.4
   Due from Nepal Rastra Bank0.000.000.00
   Placement with Banks and Financial Institutions0.000.000.00
   Other Trading Assets0.000.000.00
   Loan and Advances to Banks and Financial Institutions0.000.000.00
   Loan and Advances to Customers-42.1-84.9-176
   Other Assets0.216.02.1
   Due to Banks and Financial Institutions0.000.00-6.5
   Due to Nepal Rastra Bank0.000.000.00
   Deposit from Customers32.828.076.9
   Borrowings22.858.859.9
   Other Liabilities-4.91.67.2
   Net Cash Flow from Operating Activities Before Tax Paid8.99.5-36.5
   Income Taxes Paid-3.0-3.2-3.5
Net Cash Flow from Investing Activities (B)-1.0-0.56-1.9
   Purchase of Investment Securities0.000.000.00
   Receipts from Sale of Investment Securities0.000.000.00
   Purchase of Property and Equipment-1.0-0.53-1.9
   Receipt from Sale of Property and Equipment0.000.000.00
   Purchase of Intangible Assets0.00-0.030.00
   Receipt from Sale of Intangible Assets0.000.000.00
   Purchase of Investment Properties0.000.000.00
   Receipt from Sale of Investment Properties0.000.000.00
   Interest Received0.000.000.00
   Dividend Received0.000.000.00
Net Cash Flow from Financing Activities (C)-0.340.09Not reported
   Receipt from Issue of Debt Securities0.000.000.00
   Repayment of Debt Securities0.000.000.00
   Receipt from Issue of Subordinated Liabilities0.000.000.00
   Repayment of Subordinated Liabilities0.000.000.00
   Receipt from Issue of Shares0.000.0010.8
   Other Receipt/Payment-0.340.09Not reported
Net Increase/(Decrease) in Cash and Cash Equivalents26.314.1Not reported
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)33.018.9Not reported
Cash and Cash Equivalents at Ashadh End59.433.018.9

CYCL Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Interest Income10.012.77.615.811.810.07.411.1
   Interest Income19.922.818.526.422.120.919.624.2
   Interest Expense-9.9-10.1-11.0-10.6-10.3-10.9-12.2-13.1
Net Fee and Commission Income1.71.91.62.71.81.01.42.0
   Fee and Commission Income1.71.91.62.71.81.01.42.0
   Fee and Commission Expense0.000.000.000.00-0.00-0.00-0.00-0.00
Net Trading Income0.000.000.000.000.000.000.000.00
Other Operating Income0.000.000.000.000.000.000.000.00
Total Operating Income11.714.79.118.513.611.08.913.1
Impairment Charge/(Reversal)-1.90.40-2.3-0.23-4.34.1-1.5-1.7
Net Operating Income9.815.16.818.39.315.17.311.5
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 ExpensesNot 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 ProfitNot reported6.5-1.78.61.76.9-0.971.2
Non-Operating Income/(Expense)Not reported0.330.190.160.120.060.170.20
   Non-Operating IncomeNot reported0.330.190.160.120.060.170.20
   Non-Operating ExpenseNot reported0.000.000.000.000.000.000.00
Profit Before Income TaxNot reported6.8-1.58.81.87.0-0.801.4
Income Tax ExpenseNot reported-2.00.00-2.6-0.54-2.10.00-0.43
   Current TaxNot reported-2.00.00-2.6-0.54-2.10.00-0.43
   Deferred TaxNot reported0.000.000.000.000.000.000.00
Profit for the YearNot reported4.7-1.56.21.34.9-0.801.0

CYC Nepal share price history

Over the last 15 trading sessions CYCL closed between Rs. 1,450.20 and Rs. 1,630.00, finishing at Rs. 1,479.90 on 2026-10-12 against Rs. 1,490.00 on 2026-09-18.

DateOpenHighLowCloseVolume
2026-10-121,449.101,480.001,440.001,479.906,650
2026-10-091,425.001,487.001,425.001,482.9015,987
2026-10-081,410.801,530.001,410.801,450.2010,019
2026-10-071,489.001,500.001,450.001,485.008,397
2026-10-061,470.001,557.001,450.001,535.0014,293
2026-10-051,509.501,519.001,450.001,519.0012,648
2026-10-021,509.001,575.001,450.001,544.0027,220
2026-10-011,501.001,549.001,462.001,524.905,801
2026-09-301,501.001,590.001,470.001,516.907,829
2026-09-291,491.501,617.201,491.501,547.0010,294
2026-09-281,548.501,596.001,510.001,570.0012,033
2026-09-241,494.601,630.001,470.001,630.0027,028
2026-09-231,441.001,585.001,431.001,531.0011,277
2026-09-221,482.001,675.001,406.001,452.0025,904
2026-09-181,450.001,530.001,421.101,490.0012,171

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.

YearLow (Rs.)High (Rs.)Sessions
20261,216.001,768.40181
20251,462.002,040.00225
20241,007.101,923.90232
2023882.002,148.00153
2022294.002,103.6934

CYC Nepal share price returns

At Rs. 1,479.90 on 2026-10-12, CYCL is down 2.57% over 1 week, down 2.19% over 1 month, up 10.11% over 3 months, down 5.74% over 6 months and down 4.46% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

PeriodReturnFrom price (Rs.)From date
1 week-2.57%1,519.002026-10-05
1 month-2.19%1,513.002026-09-11
3 months+10.11%1,344.002026-07-14
6 months-5.74%1,570.002026-04-15
1 year-4.46%1,549.002025-10-12

CYCL floorsheet for 2026-10-12

CYCL traded 89 times on 2026-10-12, moving 6,650 shares for Rs. 0.97 crore of turnover. Trades went through between Rs. 1,416.20 and Rs. 1,480.00.

Largest buyers by volume: broker 95, Magnet Securities and Investment Company Private Limited on 2,886 shares across 8 trades, broker 48, Trishakti Securities Public Limited on 1,771 shares across 36 trades, broker 41, Linch Stock Market Limited on 680 shares across 5 trades, broker 42, Sani Securities Company Limited on 341 shares across 3 trades, broker 17, ABC Securities Pvt. Limited on 200 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 150 shares across 2 trades, broker 39, Sumeru Securities Pvt.Limited on 100 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 80 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 80 shares across 3 trades and broker 18, Sagarmatha Securities Pvt. Limited on 50 shares across 2 trades.

Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 4,157 shares across 37 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 1,086 shares across 11 trades, broker 49, Online Securities Limited on 337 shares across 5 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 141 shares across 1 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 111 shares across 3 trades, broker 95, Magnet Securities and Investment Company Private Limited on 100 shares across 1 trades, broker 70, Infinity Securities Limited on 100 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 100 shares across 2 trades, broker 54, Sewa Securities Pvt. Ltd. on 82 shares across 2 trades and broker 25, Sweta Securities Pvt. Limited on 81 shares across 1 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 yearBonus shareCash dividendAnnounced
2081/208212.76%2025-12-21
2078/207930%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.

3 years of annual statements and 8 quarters of results for CYCL, 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.

Other Microfinance companies on NEPSE

All microfinance companies on NEPSE

More on NepView