Goodwill Finance Limited (GFCL) Share Price & Fundamentals

Goodwill Finance (GFCL) share price is Rs. 551.00, down 0.38% on 2026-10-12. Open Rs. 563.00. High Rs. 563.00. Low Rs. 551.00. Volume 6,088.

Goodwill Finance Limited is a NEPSE-listed company (GFCL), Finance sector. Revenue: Rs. 42.01 Crore. Net profit: Rs. 16.78 Crore. Net worth: Rs. 184.93 Crore.

About Goodwill Finance Limited

Goodwill Finance Limited (GFCL) has 94,61,152 shares outstanding.

Company website: goodwillfinance.com.np.

GFCL key metrics

GFCL strengths

What Goodwill Finance Limited's own accounts show in its favour, graded against the rest of its sector.

• Lends out 69.4% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Bad-loan charges come to -9.7% of income, so borrowers are paying back well. (Asset Quality)
• Income from lending grew 27.5% on last year, so the core business is expanding. (Growth)
• 12.5% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 93.9% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Turns 39.9% of its income into profit once every cost is paid. (Profitability)
• Total income grew 26.7% on last year. (Growth)
• Owns 7.98x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• Loans are 57% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
• Keeps 46.4% of income as profit from everyday banking, before tax. (Profitability)
• Each share is backed by Rs 195.47 of the bank's own net worth. (Shareholder Returns)
• 74.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)

GFCL 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 -1%, below what owners would hope for. (Profitability)
• Return on everything it owns is -0.1%, so its assets are not producing much. (Profitability)
• Makes only 1.7% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• The loan book moved -0.6%, so lending is not expanding. (Growth)
• Deposits moved -4.3%, so its cheapest source of funding is not growing. (Growth)
• Each share produced Rs 17.74 over the year. (Shareholder Returns)
• Staff costs take 36.1% of income, a heavy load on earnings. (Efficiency)
• The bank's size moved -2.3% over the year. (Shareholder Returns)
• Only 11.5% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)

GFCL Q4 2082/83 results

In Q4 2082/83 Goodwill Finance Limited reported profit of Rs. 6.65 crore and total operating income of Rs. 3.56 crore. Profit in Q3 2082/83 was a loss of Rs. 1.04 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income grew 41.37% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 1.01 crore. Profit turned from a loss to a profit on the same quarter last year. Total operating income fell 6.34% on the same quarter last year.

GFCL annual results 2082/83

For the financial year 2082/83 Goodwill Finance Limited reported net profit of Rs. 16.78 crore, total operating income of Rs. 42.01 crore and net worth of Rs. 184.93 crore. Net profit in 2081/82 was a loss of Rs. 1.81 crore. Net profit turned from a loss to a profit on the year. Total operating income grew 26.70% on the year.

GFCL profit and loss for 2082/83

In the financial year 2082/83, Goodwill Finance Limited reported net interest income of Rs. 31.37 crore, net fee and commission income of Rs. 4.81 crore, other operating income of Rs. 5.82 crore, total operating income of Rs. 42.01 crore, impairment charge/(reversal) of Rs. 4.05 crore, net operating income of Rs. 46.06 crore, operating expenses of Rs. 26.57 crore, operating profit of Rs. 19.49 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 19.62 crore, income tax expense of Rs. 2.84 crore and profit for the year of Rs. 16.78 crore.

Reported under net interest income: interest income of Rs. 102.66 crore and interest expense of Rs. 71.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.81 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.17 crore, other operating expenses of Rs. 9.86 crore and depreciation & amortisation of Rs. 1.55 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore. Reported under income tax expense: current tax of Rs. 2.84 crore and deferred tax of Rs. 0 crore.

GFCL profit and loss for 2081/82

In the financial year 2081/82, Goodwill Finance Limited reported net interest income of Rs. 24.61 crore, net fee and commission income of Rs. 4.9 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.64 crore, total operating income of Rs. 33.15 crore, impairment charge/(reversal) of Rs. 7.61 crore, net operating income of Rs. 25.54 crore, operating expenses of Rs. 24.39 crore, operating profit of Rs. 1.15 crore, non-operating income/(expense) of Rs. 0.34 crore, profit before income tax of Rs. 1.49 crore, income tax expense of Rs. 3.31 crore and profit for the year of Rs. 1.81 crore.

Reported under net interest income: interest income of Rs. 116.12 crore and interest expense of Rs. 91.51 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.9 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.94 crore, other operating expenses of Rs. 7.75 crore and depreciation & amortisation of Rs. 2.7 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.44 crore and non-operating expense of Rs. 0.09 crore. Reported under income tax expense: current tax of Rs. 0.69 crore and deferred tax of Rs. 2.62 crore.

GFCL profit and loss for 2080/81

In the financial year 2080/81, Goodwill Finance Limited reported net interest income of Rs. 22.34 crore, net fee and commission income of Rs. 5.52 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.78 crore, total operating income of Rs. 31.64 crore, impairment charge/(reversal) of Rs. 2.08 crore, net operating income of Rs. 29.57 crore, operating expenses of Rs. 24.01 crore, operating profit of Rs. 5.55 crore, non-operating income/(expense) of Rs. 0.21 crore, profit before income tax of Rs. 5.35 crore, income tax expense of Rs. 1.83 crore and profit for the year of Rs. 3.52 crore.

Reported under net interest income: interest income of Rs. 144.75 crore and interest expense of Rs. 122.4 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.52 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.44 crore, other operating expenses of Rs. 7.63 crore and depreciation & amortisation of Rs. 2.94 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.21 crore. Reported under income tax expense: current tax of Rs. 4.52 crore and deferred tax of Rs. 2.69 crore.

GFCL balance sheet for 2081/82

In the financial year 2081/82, Goodwill Finance Limited reported total assets of Rs. 1,475.82 crore, total liabilities of Rs. 1,290.88 crore and total equity of Rs. 184.93 crore.

Reported under total assets: cash and cash equivalents of Rs. 182.35 crore, due from nepal rastra bank of Rs. 59.49 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. 22.18 crore, loans and advances to customers of Rs. 841.36 crore, investment securities of Rs. 233.38 crore, current tax assets of Rs. 8.16 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 54.66 crore, property and equipment of Rs. 64.22 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 10.02 crore. Reported under total liabilities: due to banks and fis of Rs. 1.47 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 1,212.13 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 20.51 crore, other liabilities of Rs. 31.86 crore, debt securities issued of Rs. 24.92 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.61 crore, share premium of Rs. 0.25 crore, retained earnings of Rs. 58.86 crore, reserves of Rs. 148.93 crore and non controlling interest of Rs. 0 crore.

GFCL balance sheet for 2080/81

In the financial year 2080/81, Goodwill Finance Limited reported total assets of Rs. 1,511.21 crore, total liabilities of Rs. 1,334.37 crore and total equity of Rs. 176.85 crore.

Reported under total assets: cash and cash equivalents of Rs. 81.51 crore, due from nepal rastra bank of Rs. 54.02 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. 23.71 crore, loans and advances to customers of Rs. 846.16 crore, investment securities of Rs. 302.49 crore, current tax assets of Rs. 12.8 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 53.77 crore, property and equipment of Rs. 66.54 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 70.21 crore. Reported under total liabilities: due to banks and fis of Rs. 0.21 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 1,265.96 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 4.52 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 13.83 crore, other liabilities of Rs. 24.98 crore, debt securities issued of Rs. 24.87 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.61 crore, share premium of Rs. 0.25 crore, retained earnings of Rs. 58.8 crore, reserves of Rs. 140.79 crore and non controlling interest of Rs. 0 crore.

GFCL balance sheet for 2079/80

In the financial year 2079/80, Goodwill Finance Limited reported total assets of Rs. 1,479.81 crore, total liabilities of Rs. 1,318.8 crore and total equity of Rs. 161.01 crore.

Reported under total assets: cash and cash equivalents of Rs. 71.84 crore, due from nepal rastra bank of Rs. 62.64 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. 39.97 crore, loans and advances to customers of Rs. 883.19 crore, investment securities of Rs. 311.08 crore, current tax assets of Rs. 12.72 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 8.81 crore, property and equipment of Rs. 50.6 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 38.97 crore. Reported under total liabilities: due to banks and fis of Rs. 10.71 crore, due to nepal rastra bank of Rs. 95 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 1,147.23 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 11.23 crore, other liabilities of Rs. 29.79 crore, debt securities issued of Rs. 24.84 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.61 crore, share premium of Rs. 0.25 crore, retained earnings of Rs. 18.94 crore, reserves of Rs. 85.09 crore and non controlling interest of Rs. 0 crore.

GFCL cash flow for 2081/82

In the financial year 2081/82, Goodwill Finance Limited reported net cash flow from operating activities (a) of Rs. 17.62 crore, net cash flow from investing activities (b) of Rs. 86.22 crore, net cash flow from financing activities (c) of Rs. 3 crore, net increase/(decrease) in cash and cash equivalents of Rs. 100.84 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 81.51 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. 182.35 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 110.43 crore, fees and other income received of Rs. 4.9 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 2.82 crore, interest paid of Rs. 88.06 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 13.2 crore, other expense paid of Rs. 9.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.71 crore, due from nepal rastra bank of Rs. 5.47 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. 1.59 crore, loan and advances to customers of Rs. 2.69 crore, other assets of Rs. 46.72 crore, due to banks and financial institutions of Rs. 1.26 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 53.83 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 17.5 crore, net cash flow from operating activities before tax paid of Rs. 18.18 crore and income taxes paid of Rs. 0.56 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 1.82 crore, receipts from sale of investment securities of Rs. 86.82 crore, purchase of property and equipment of Rs. 0.46 crore, receipt from sale of property and equipment of Rs. 0.13 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. 1.16 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.4 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. 3 crore and other receipt/payment of Rs. 0 crore.

GFCL cash flow for 2080/81

In the financial year 2080/81, Goodwill Finance Limited reported net cash flow from operating activities (a) of Rs. 2 crore, net cash flow from investing activities (b) of Rs. 10.68 crore, net cash flow from financing activities (c) of Rs. 3 crore, net increase/(decrease) in cash and cash equivalents of Rs. 9.68 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 71.84 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. 81.51 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 144.52 crore, fees and other income received of Rs. 5.52 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.81 crore, interest paid of Rs. 119.36 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 13.46 crore, other expense paid of Rs. 7.63 crore, operating cash flows before changes in operating assets and liabilities of Rs. 10.4 crore, due from nepal rastra bank of Rs. 8.62 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. 16.26 crore, loan and advances to customers of Rs. 37.02 crore, other assets of Rs. 76.2 crore, due to banks and financial institutions of Rs. 10.5 crore, due to nepal rastra bank of Rs. 95 crore, deposit from customers of Rs. 118.73 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 7.24 crore, net cash flow from operating activities before tax paid of Rs. 2.08 crore and income taxes paid of Rs. 0.08 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.55 crore, receipts from sale of investment securities of Rs. 12.23 crore, purchase of property and equipment of Rs. 1.26 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. 0.26 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. 3 crore and other receipt/payment of Rs. 0 crore.

GFCL cash flow for 2079/80

In the financial year 2079/80, Goodwill Finance Limited reported net cash flow from operating activities (a) of Rs. 46.92 crore, net cash flow from investing activities (b) of Rs. 41.33 crore, net cash flow from financing activities (c) of Rs. 3 crore, net increase/(decrease) in cash and cash equivalents of Rs. 8.6 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 80.43 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. 71.84 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 151.9 crore, fees and other income received of Rs. 0 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 1.07 crore, interest paid of Rs. 73.16 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 13.27 crore, other expense paid of Rs. 9.65 crore, operating cash flows before changes in operating assets and liabilities of Rs. 56.88 crore, due from nepal rastra bank of Rs. 20.57 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. 23 crore, loan and advances to customers of Rs. 51.16 crore, other assets of Rs. 29.43 crore, due to banks and financial institutions of Rs. 7.02 crore, due to nepal rastra bank of Rs. 50.85 crore, deposit from customers of Rs. 52.43 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 25.22 crore, net cash flow from operating activities before tax paid of Rs. 37.9 crore and income taxes paid of Rs. 9.03 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. 41.48 crore, purchase of property and equipment of Rs. 0.36 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. 0.21 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. 3 crore and other receipt/payment of Rs. 0 crore.

GFCL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Goodwill Finance Limited reported net interest income of Rs. 0.16 crore, net fee and commission income of Rs. 1.43 crore, other operating income of Rs. 1.97 crore, total operating income of Rs. 3.56 crore, impairment charge/(reversal) of Rs. 14.14 crore, net operating income of Rs. 17.7 crore, operating expenses of Rs. 8.24 crore, operating profit of Rs. 9.45 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 9.48 crore, income tax expense of Rs. 2.84 crore and profit for the year of Rs. 6.65 crore.

Reported under net interest income: interest income of Rs. 16.77 crore and interest expense of Rs. 16.61 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.43 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.82 crore, other operating expenses of Rs. 3.13 crore and depreciation & amortisation of Rs. 0.29 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 2.84 crore and deferred tax of Rs. 0 crore.

GFCL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Goodwill Finance Limited reported net interest income of Rs. 0.71 crore, net fee and commission income of Rs. 0.75 crore, other operating income of Rs. 1.06 crore, total operating income of Rs. 2.52 crore, impairment charge/(reversal) of Rs. 3.39 crore, net operating income of Rs. 0.87 crore, operating expenses of Rs. 4.98 crore, operating profit of Rs. 5.85 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 5.82 crore, income tax expense of Rs. 4.78 crore and profit for the year of Rs. 1.04 crore.

Reported under net interest income: interest income of Rs. 17.94 crore and interest expense of Rs. 17.23 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.75 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.34 crore, other operating expenses of Rs. 2.21 crore and depreciation & amortisation of Rs. 0.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 4.78 crore and deferred tax of Rs. 0 crore.

GFCL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Goodwill Finance Limited reported net interest income of Rs. 23.17 crore, net fee and commission income of Rs. 1.28 crore, other operating income of Rs. 11.95 crore, total operating income of Rs. 12.49 crore, impairment charge/(reversal) of Rs. 38.99 crore, net operating income of Rs. 26.5 crore, operating expenses of Rs. 37.08 crore, operating profit of Rs. 10.58 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 10.62 crore, income tax expense of Rs. 3.19 crore and profit for the year of Rs. 7.43 crore.

Reported under net interest income: interest income of Rs. 41.14 crore and interest expense of Rs. 17.98 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.86 crore, other operating expenses of Rs. 41.3 crore and depreciation & amortisation of Rs. 0.36 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 3.19 crore and deferred tax of Rs. 0 crore.

GFCL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Goodwill Finance Limited reported net interest income of Rs. 7.33 crore, net fee and commission income of Rs. 1.36 crore, other operating income of Rs. 14.74 crore, total operating income of Rs. 23.44 crore, impairment charge/(reversal) of Rs. 32.3 crore, net operating income of Rs. 55.73 crore, operating expenses of Rs. 50.43 crore, operating profit of Rs. 5.3 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 5.33 crore, income tax expense of Rs. 1.6 crore and profit for the year of Rs. 3.74 crore.

Reported under net interest income: interest income of Rs. 26.8 crore and interest expense of Rs. 19.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.36 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.14 crore, other operating expenses of Rs. 45.81 crore and depreciation & amortisation of Rs. 0.48 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 1.6 crore and deferred tax of Rs. 0 crore.

GFCL Profit & Loss

Values in Rs. Crore unless stated otherwise.

GFCL Balance Sheet

Values in Rs. Crore unless stated otherwise.

GFCL Cash Flow

Values in Rs. Crore unless stated otherwise.

GFCL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Goodwill Finance share price history

Over the last 15 trading sessions GFCL closed between Rs. 551.00 and Rs. 583.70, finishing at Rs. 551.00 on 2026-10-12 against Rs. 576.50 on 2026-09-18.

GFCL share price by year

2026, between Rs. 550.00 and Rs. 738.00, 2025, between Rs. 528.30 and Rs. 867.00, 2024, between Rs. 415.80 and Rs. 1,353.00, 2023, between Rs. 375.00 and Rs. 565.00, 2022, between Rs. 358.00 and Rs. 763.00 and 2021, between Rs. 175.99 and Rs. 925.76.

Goodwill Finance share price returns

At Rs. 551.00 on 2026-10-12, GFCL is down 1.78% over 1 week, down 1.84% over 1 month, down 8.17% over 3 months, down 14.97% over 6 months, down 7.71% over 1 year and down 10.93% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

GFCL floorsheet for 2026-10-12

GFCL traded 45 times on 2026-10-12, moving 6,088 shares for Rs. 0.34 crore of turnover. Trades went through between Rs. 551.00 and Rs. 563.00.

Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 1,150 shares across 3 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 1,069 shares across 6 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 845 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 560 shares across 3 trades, broker 48, Trishakti Securities Public Limited on 520 shares across 6 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 350 shares across 2 trades, broker 51, Oxford Securities Pvt.Ltd on 320 shares across 4 trades, broker 29, Trishul Securities And Investment Limited on 281 shares across 2 trades, broker 1, Kumari Securities Pvt. Limited on 200 shares across 1 trades and broker 42, Sani Securities Company Limited on 191 shares across 2 trades.

Largest sellers by volume: broker 46, Kalika Securities Pvt.Limited on 2,424 shares across 11 trades, broker 84, Milky Way Share Broker Company Ltd on 1,000 shares across 3 trades, broker 29, Trishul Securities And Investment Limited on 500 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 428 shares across 4 trades, broker 56, Sri Hari Securities Pvt.Ltd on 373 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 220 shares across 1 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 200 shares across 4 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 200 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 194 shares across 2 trades and broker 48, Trishakti Securities Public Limited on 117 shares across 2 trades.

GFCL dividend history: bonus shares and cash dividend

Goodwill Finance Limited most recently declared a 9.1% bonus share issue and a 3.9% cash dividend, 13% in total for 2077/2078, announced on 2021-12-22. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2077/2078 Goodwill Finance Limited declared a 9.1% bonus share issue and a 3.9% cash dividend, 13% in total, announced on 2021-12-22.

GFCL general meetings

Annual and special general meetings Goodwill Finance Limited has called. A dividend is declared by the board and approved at the AGM.

• 31st AGM for 2081/2082: on 2026-03-24, at Goodwill Finance Limited, Goodwill Complex, Hattisar, Kathmandu (11:00 AM)
• 30th AGM for 2080/2081: on 2025-01-13, at Goodwill Finance Limited, Goodwill Complex, Hattisar, Kathmandu (11:00 AM)
• 29th AGM for 2079/2080: on 2024-01-29, at Goodwill Finance Limited, Goodwill Complex, Hattisar, Kathmandu (11:00 AM)

6 years of annual statements and 12 quarters of results for GFCL, 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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