Guheshowori Merchant Bank & Finance Co. Ltd. (GMFIL) Share Price & Fundamentals
Guheshowori Merchant Bank & Finance (GMFIL) share price is Rs. 431.90, up 0.70% on 2026-09-22. Open Rs. 423.10. High Rs. 438.40. Low Rs. 423.00. Volume 7,459.
Guheshowori Merchant Bank & Finance Co. Ltd. is a NEPSE-listed company (GMFIL), Finance sector. Revenue: Rs. 24.56 Crore. Net profit: Rs. 4.62 Crore. Net worth: Rs. 163.24 Crore.
About Guheshowori Merchant Bank & Finance Co. Ltd.
Guheshowori Merchant Bank & Finance Co. Ltd. (GMFIL) has 1,01,21,760 shares outstanding.
GMFIL key metrics
GMFIL strengths
What Guheshowori Merchant Bank & Finance Co. Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Lends out 66.6% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- Profit grew 93.7% on last year. (Growth)
- Bad-loan charges come to -2.9% of income, so borrowers are paying back well. (Asset Quality)
- 16.4% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- 96.5% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- Owns 6.11x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Income from lending grew 17.1% on last year, so the core business is expanding. (Growth)
- 85.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Loans are 53.7% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
GMFIL 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 1.5%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.2%, so its assets are not producing much. (Profitability)
- Makes only 1.8% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- Each share produced Rs 4.56 over the year. (Shareholder Returns)
- The loan book moved -5.3%, so lending is not expanding. (Growth)
- Deposits moved -1.4%, so its cheapest source of funding is not growing. (Growth)
- Staff costs take 49.8% of income, a heavy load on earnings. (Efficiency)
- Operating margin is 27.4%, so running costs take too much of what core banking earns. (Profitability)
- Total income moved 1.4% on last year. (Growth)
- Net profit margin is 18.8%, less than most lenders keep once every cost is paid. (Profitability)
- The bank's size moved 0.3% over the year. (Shareholder Returns)
- Only 4.6% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
- Only 9.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Each share is backed by only Rs 161.27 of net worth. (Shareholder Returns)
GMFIL Q4 2082/83 results
In Q4 2082/83 Guheshowori Merchant Bank & Finance Co. Ltd. reported profit of Rs. 0.06 crore and total operating income of Rs. 3.08 crore. Profit in Q3 2082/83 was Rs. 2.87 crore. Profit fell 97.92% on the previous quarter. Total operating income fell 67.07% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 0.45 crore. Profit turned from a loss to a profit on the same quarter last year. Total operating income fell 54.77% on the same quarter last year.
GMFIL annual results 2082/83
For the financial year 2082/83 Guheshowori Merchant Bank & Finance Co. Ltd. reported net profit of Rs. 4.62 crore, total operating income of Rs. 24.56 crore and net worth of Rs. 163.24 crore. Net profit in 2081/82 was Rs. 2.38 crore. Net profit grew 93.70% on the year. Total operating income grew 1.35% on the year.
GMFIL profit and loss for 2082/83
In the financial year 2082/83, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 21.04 crore, net fee and commission income of Rs. 2.39 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.13 crore, total operating income of Rs. 24.56 crore, impairment charge/(reversal) of Rs. 0.71 crore, net operating income of Rs. 25.28 crore, operating expenses of Rs. 18.55 crore, operating profit of Rs. 6.72 crore, non-operating income/(expense) of Rs. 0.07 crore, profit before income tax of Rs. 6.79 crore, income tax expense of Rs. 2.18 crore and profit for the year of Rs. 4.62 crore.
Reported under net interest income: interest income of Rs. 61.3 crore and interest expense of Rs. 40.25 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.51 crore and fee and commission expense of Rs. 0.12 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.24 crore, other operating expenses of Rs. 4.31 crore and depreciation & amortisation of Rs. 2 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.3 crore and deferred tax of Rs. 0.13 crore.
GMFIL profit and loss for 2081/82
In the financial year 2081/82, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 17.97 crore, net fee and commission income of Rs. 2.87 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.4 crore, total operating income of Rs. 24.24 crore, impairment charge/(reversal) of Rs. 2.27 crore, net operating income of Rs. 21.97 crore, operating expenses of Rs. 16.57 crore, operating profit of Rs. 5.4 crore, non-operating income/(expense) of Rs. 0.55 crore, profit before income tax of Rs. 4.86 crore, income tax expense of Rs. 2.47 crore and profit for the year of Rs. 2.38 crore.
Reported under net interest income: interest income of Rs. 75.55 crore and interest expense of Rs. 57.57 crore. Reported under net fee and commission income: fee and commission income of Rs. 3 crore and fee and commission expense of Rs. 0.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.14 crore, other operating expenses of Rs. 4.01 crore and depreciation & amortisation of Rs. 2.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.55 crore. Reported under income tax expense: current tax of Rs. 3.11 crore and deferred tax of Rs. 0.64 crore.
GMFIL profit and loss for 2080/81
In the financial year 2080/81, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 17.58 crore, net fee and commission income of Rs. 2.38 crore, net trading income of Rs. 0 crore, other operating income of Rs. 6.44 crore, total operating income of Rs. 26.4 crore, impairment charge/(reversal) of Rs. 9.16 crore, net operating income of Rs. 17.24 crore, operating expenses of Rs. 17.13 crore, operating profit of Rs. 0.11 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 0.14 crore, income tax expense of Rs. 0.52 crore and profit for the year of Rs. 0.38 crore.
Reported under net interest income: interest income of Rs. 94.02 crore and interest expense of Rs. 76.44 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.51 crore and fee and commission expense of Rs. 0.12 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.65 crore, other operating expenses of Rs. 4.85 crore and depreciation & amortisation of Rs. 2.63 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.14 crore and deferred tax of Rs. 0.38 crore.
GMFIL balance sheet for 2081/82
In the financial year 2081/82, Guheshowori Merchant Bank & Finance Co. Ltd. reported total assets of Rs. 996.74 crore, total liabilities of Rs. 833.5 crore and total equity of Rs. 163.24 crore.
Reported under total assets: cash and cash equivalents of Rs. 88.31 crore, due from nepal rastra bank of Rs. 36.77 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 21.37 crore, loans and advances to customers of Rs. 535.59 crore, investment securities of Rs. 259.53 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 5.53 crore, investment property of Rs. 14.81 crore, property and equipment of Rs. 21.2 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 13.54 crore. Reported under total liabilities: due to banks and fis of Rs. 11.16 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 804.41 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0.07 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 10.38 crore, other liabilities of Rs. 7.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 101.22 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.77 crore, reserves of Rs. 62.79 crore and non controlling interest of Rs. 0 crore.
GMFIL balance sheet for 2080/81
In the financial year 2080/81, Guheshowori Merchant Bank & Finance Co. Ltd. reported total assets of Rs. 994.14 crore, total liabilities of Rs. 847.78 crore and total equity of Rs. 146.36 crore.
Reported under total assets: cash and cash equivalents of Rs. 94.08 crore, due from nepal rastra bank of Rs. 38.33 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. 23.47 crore, loans and advances to customers of Rs. 565.81 crore, investment securities of Rs. 239.02 crore, current tax assets of Rs. 2.47 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 5.25 crore, investment property of Rs. 1.22 crore, property and equipment of Rs. 19.75 crore, goodwill and intangible assets of Rs. 0.15 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 4.59 crore. Reported under total liabilities: due to banks and fis of Rs. 17.24 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 815.71 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.1 crore, deferred tax liabilities of Rs. 6.07 crore, other liabilities of Rs. 8.66 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 101.22 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.81 crore, reserves of Rs. 46.95 crore and non controlling interest of Rs. 0 crore.
GMFIL cash flow for 2081/82
In the financial year 2081/82, Guheshowori Merchant Bank & Finance Co. Ltd. reported net cash flow from operating activities (a) of Rs. 14.68 crore, net cash flow from investing activities (b) of Rs. 8.93 crore, net cash flow from financing activities (c) of Rs. 0.03 crore, net increase/(decrease) in cash and cash equivalents of Rs. 5.77 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 94.08 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. 88.31 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 70.63 crore, fees and other income received of Rs. 3 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.04 crore, interest paid of Rs. 57.59 crore, commission and fees paid of Rs. 0.13 crore, cash payment to employees of Rs. 10.05 crore, other expense paid of Rs. 5.23 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.66 crore, due from nepal rastra bank of Rs. 1.57 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. 2.16 crore, loan and advances to customers of Rs. 8.05 crore, other assets of Rs. 8.96 crore, due to banks and financial institutions of Rs. 6.09 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 11.3 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.2 crore, net cash flow from operating activities before tax paid of Rs. 14.1 crore and income taxes paid of Rs. 0.58 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 909.71 crore, receipts from sale of investment securities of Rs. 911.04 crore, purchase of property and equipment of Rs. 3.15 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. 1.15 crore, interest received of Rs. 9.35 crore and dividend received of Rs. 0.25 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. 0.03 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
GMFIL cash flow for 2080/81
In the financial year 2080/81, Guheshowori Merchant Bank & Finance Co. Ltd. reported net cash flow from operating activities (a) of Rs. 56.43 crore, net cash flow from investing activities (b) of Rs. 23.32 crore, net cash flow from financing activities (c) of Rs. 0.06 crore, net increase/(decrease) in cash and cash equivalents of Rs. 33.06 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 61.03 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 94.08 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 79.62 crore, fees and other income received of Rs. 2.53 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 76.14 crore, commission and fees paid of Rs. 0.12 crore, cash payment to employees of Rs. 11.04 crore, other expense paid of Rs. 6.07 crore, operating cash flows before changes in operating assets and liabilities of Rs. 11.21 crore, due from nepal rastra bank of Rs. 7.82 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. 13.36 crore, loan and advances to customers of Rs. 11.12 crore, other assets of Rs. 8.13 crore, due to banks and financial institutions of Rs. 10.57 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 77.35 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.04 crore, net cash flow from operating activities before tax paid of Rs. 58.08 crore and income taxes paid of Rs. 1.65 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 61.41 crore, receipts from sale of investment securities of Rs. 28.39 crore, purchase of property and equipment of Rs. 0.67 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.09 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. 10.12 crore and dividend received of Rs. 0.34 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. 0.06 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
GMFIL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 3.53 crore, net fee and commission income of Rs. 0.6 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.05 crore, total operating income of Rs. 3.08 crore, impairment charge/(reversal) of Rs. 2.89 crore, net operating income of Rs. 5.97 crore, operating expenses of Rs. 5.65 crore, operating profit of Rs. 0.33 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.33 crore, income tax expense of Rs. 0.27 crore and profit for the year of Rs. 0.06 crore.
Reported under net interest income: interest income of Rs. 12.5 crore and interest expense of Rs. 8.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.65 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.92 crore, other operating expenses of Rs. 1.32 crore and depreciation & amortisation of Rs. 0.41 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.39 crore and deferred tax of Rs. 0.13 crore.
GMFIL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 6.86 crore, net fee and commission income of Rs. 0.56 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.94 crore, total operating income of Rs. 9.36 crore, impairment charge/(reversal) of Rs. 1.02 crore, net operating income of Rs. 8.34 crore, operating expenses of Rs. 4.34 crore, operating profit of Rs. 4 crore, non-operating income/(expense) of Rs. 0.06 crore, profit before income tax of Rs. 4.06 crore, income tax expense of Rs. 1.19 crore and profit for the year of Rs. 2.87 crore.
Reported under net interest income: interest income of Rs. 16.15 crore and interest expense of Rs. 9.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.58 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.82 crore, other operating expenses of Rs. 0.95 crore and depreciation & amortisation of Rs. 0.57 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.05 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.19 crore and deferred tax of Rs. 0 crore.
GMFIL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 5.62 crore, net fee and commission income of Rs. 0.63 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.06 crore, total operating income of Rs. 6.31 crore, impairment charge/(reversal) of Rs. 3.34 crore, net operating income of Rs. 9.65 crore, operating expenses of Rs. 4.18 crore, operating profit of Rs. 5.47 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 5.48 crore, income tax expense of Rs. 0.72 crore and profit for the year of Rs. 4.76 crore.
Reported under net interest income: interest income of Rs. 15.91 crore and interest expense of Rs. 10.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.67 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.63 crore, other operating expenses of Rs. 1.04 crore and depreciation & amortisation of Rs. 0.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.72 crore and deferred tax of Rs. 0 crore.
GMFIL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Guheshowori Merchant Bank & Finance Co. Ltd. reported net interest income of Rs. 5.04 crore, net fee and commission income of Rs. 0.59 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.18 crore, total operating income of Rs. 5.81 crore, impairment charge/(reversal) of Rs. 4.5 crore, net operating income of Rs. 1.31 crore, operating expenses of Rs. 4.39 crore, operating profit of Rs. 3.08 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.08 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 3.08 crore.
Reported under net interest income: interest income of Rs. 16.74 crore and interest expense of Rs. 11.7 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.62 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.86 crore, other operating expenses of Rs. 1.01 crore and depreciation & amortisation of Rs. 0.52 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.
GMFIL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 |
|---|
| Net Interest Income | 21.0 | 18.0 | 17.6 |
|---|
| Interest Income | 61.3 | 75.5 | 94.0 |
|---|
| Interest Expense | -40.3 | -57.6 | -76.4 |
|---|
| Net Fee and Commission Income | 2.4 | 2.9 | 2.4 |
|---|
| Fee and Commission Income | 2.5 | 3.0 | 2.5 |
|---|
| Fee and Commission Expense | -0.12 | -0.13 | -0.12 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 1.1 | 3.4 | 6.4 |
|---|
| Total Operating Income | 24.6 | 24.2 | 26.4 |
|---|
| Impairment Charge/(Reversal) | 0.71 | -2.3 | -9.2 |
|---|
| Net Operating Income | 25.3 | 22.0 | 17.2 |
|---|
| Operating Expenses | -18.6 | -16.6 | -17.1 |
|---|
| Operating Expense - Personnel Expenses | -12.2 | -10.1 | -9.6 |
|---|
| Other Operating Expenses | -4.3 | -4.0 | -4.9 |
|---|
| Depreciation & Amortisation | -2.0 | -2.4 | -2.6 |
|---|
| Operating Profit | 6.7 | 5.4 | 0.11 |
|---|
| Non-Operating Income/(Expense) | 0.07 | -0.55 | 0.03 |
|---|
| Non-Operating Income | 0.07 | 0.00 | 0.03 |
|---|
| Non-Operating Expense | 0.00 | -0.55 | 0.00 |
|---|
| Profit Before Income Tax | 6.8 | 4.9 | 0.14 |
|---|
| Income Tax Expense | -2.2 | -2.5 | -0.52 |
|---|
| Current Tax | -2.3 | -3.1 | -0.14 |
|---|
| Deferred Tax | 0.13 | 0.64 | -0.38 |
|---|
| Profit for the Year | 4.6 | 2.4 | -0.38 |
|---|
GMFIL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 |
|---|
| Total Assets | 997 | 994 |
|---|
| Cash and Cash Equivalents | 88.3 | 94.1 |
|---|
| Due from Nepal Rastra Bank | 36.8 | 38.3 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | 21.4 | 23.5 |
|---|
| Loans and Advances to Customers | 536 | 566 |
|---|
| Investment Securities | 260 | 239 |
|---|
| Current Tax Assets | 0.00 | 2.5 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 |
|---|
| Investment in Associates | 5.5 | 5.3 |
|---|
| Investment Property | 14.8 | 1.2 |
|---|
| Property and Equipment | 21.2 | 19.8 |
|---|
| Goodwill and Intangible Assets | 0.08 | 0.15 |
|---|
| Deferred Tax Assets | 0.00 | 0.00 |
|---|
| Other Assets | 13.5 | 4.6 |
|---|
| Total Liabilities | 833 | 848 |
|---|
| Due to Banks and FIs | 11.2 | 17.2 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 |
|---|
| Deposits from Customers | 804 | 816 |
|---|
| Borrowings | 0.00 | 0.00 |
|---|
| Current Tax Liabilities | 0.07 | 0.00 |
|---|
| Provisions | 0.00 | 0.10 |
|---|
| Deferred Tax Liabilities | 10.4 | 6.1 |
|---|
| Other Liabilities | 7.5 | 8.7 |
|---|
| Debt Securities Issued | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 |
|---|
| Total Equity | 163 | 146 |
|---|
| Share Capital | 101 | 101 |
|---|
| Share Premium | 0.00 | 0.00 |
|---|
| Retained Earnings | -0.77 | -1.8 |
|---|
| Reserves | 62.8 | 46.9 |
|---|
| Non Controlling Interest | 0.00 | 0.00 |
|---|
GMFIL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 |
|---|
| Net Cash Flow from Operating Activities (A) | -14.7 | 56.4 |
|---|
| Interest Received | 70.6 | 79.6 |
|---|
| Fees and Other Income Received | 3.0 | 2.5 |
|---|
| Dividend Received | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.04 | 0.00 |
|---|
| Interest Paid | -57.6 | -76.1 |
|---|
| Commission and Fees Paid | -0.13 | -0.12 |
|---|
| Cash Payment to Employees | -10.1 | -11.0 |
|---|
| Other Expense Paid | -5.2 | -6.1 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 0.66 | -11.2 |
|---|
| Due from Nepal Rastra Bank | 1.6 | -7.8 |
|---|
| 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 | 2.2 | 13.4 |
|---|
| Loan and Advances to Customers | 8.1 | -11.1 |
|---|
| Other Assets | -9.0 | 8.1 |
|---|
| Due to Banks and Financial Institutions | -6.1 | -10.6 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Deposit from Customers | -11.3 | 77.4 |
|---|
| Borrowings | 0.00 | 0.00 |
|---|
| Other Liabilities | -0.20 | -0.04 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | -14.1 | 58.1 |
|---|
| Income Taxes Paid | -0.58 | -1.7 |
|---|
| Net Cash Flow from Investing Activities (B) | 8.9 | -23.3 |
|---|
| Purchase of Investment Securities | -910 | -61.4 |
|---|
| Receipts from Sale of Investment Securities | 911 | 28.4 |
|---|
| Purchase of Property and Equipment | -3.1 | -0.67 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | -0.09 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 1.2 | 0.00 |
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| Interest Received | 9.3 | 10.1 |
|---|
| Dividend Received | 0.25 | 0.34 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.03 | -0.06 |
|---|
| 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 |
|---|
| Repayment of Subordinated Liabilities | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | 0.00 | 0.00 |
|---|
| Dividends Paid | -0.03 | -0.06 |
|---|
| Interest Paid | 0.00 | 0.00 |
|---|
| Other Receipt/Payment | 0.00 | 0.00 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -5.8 | 33.1 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 94.1 | 61.0 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 88.3 | 94.1 |
|---|
GMFIL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|
| Net Interest Income | 3.5 | 6.9 | 5.6 | 5.0 | 3.3 | 5.9 | 4.0 | 4.1 | 5.0 | 4.1 | 3.6 | 5.0 |
|---|
| Interest Income | 12.5 | 16.2 | 15.9 | 16.7 | 16.0 | 19.2 | 18.7 | 20.9 | 23.1 | 23.0 | 23.0 | 25.0 |
|---|
| Interest Expense | -9.0 | -9.3 | -10.3 | -11.7 | -12.7 | -13.4 | -14.7 | -16.8 | -18.1 | -18.9 | -19.4 | -20.0 |
|---|
| Net Fee and Commission Income | 0.60 | 0.56 | 0.63 | 0.59 | 0.58 | 0.82 | 0.69 | 0.78 | 1.1 | 0.47 | 0.47 | 0.37 |
|---|
| Fee and Commission Income | 0.65 | 0.58 | 0.67 | 0.62 | 0.68 | 0.81 | 0.72 | 0.79 | 1.2 | 0.47 | 0.47 | 0.37 |
|---|
| Fee and Commission Expense | -0.04 | -0.01 | -0.04 | -0.02 | -0.10 | 0.01 | -0.03 | -0.02 | -0.12 | 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 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | -1.1 | 1.9 | 0.06 | 0.18 | 2.9 | 0.91 | 0.01 | 0.04 | 5.8 | 0.15 | 0.09 | 0.20 |
|---|
| Total Operating Income | 3.1 | 9.4 | 6.3 | 5.8 | 6.8 | 7.6 | 4.7 | 4.9 | 11.9 | 4.7 | 4.1 | 5.5 |
|---|
| Impairment Charge/(Reversal) | 2.9 | -1.0 | 3.3 | -4.5 | -1.9 | 3.6 | 7.8 | -11.8 | 0.66 | 0.27 | -1.6 | -6.8 |
|---|
| Net Operating Income | 6.0 | 8.3 | 9.6 | 1.3 | 4.9 | 11.3 | 12.5 | -6.9 | 12.5 | 5.0 | 2.6 | -1.3 |
|---|
| Operating Expenses | -5.6 | -4.3 | -4.2 | -4.4 | -4.7 | -4.2 | -3.6 | -4.5 | -4.5 | -3.8 | -3.9 | -4.2 |
|---|
| Operating Expense - Personnel Expenses | -3.9 | -2.8 | -2.6 | -2.9 | -2.8 | -2.7 | -2.3 | -2.6 | -3.1 | -2.3 | -2.3 | -2.6 |
|---|
| Other Operating Expenses | -1.3 | -0.95 | -1.0 | -1.0 | -1.2 | -0.53 | -1.0 | -1.2 | -0.84 | -0.91 | -0.86 | -0.96 |
|---|
| Depreciation & Amortisation | -0.41 | -0.57 | -0.50 | -0.52 | -0.64 | -0.94 | -0.27 | -0.58 | -0.58 | -0.64 | -0.71 | -0.66 |
|---|
| Operating Profit | 0.33 | 4.0 | 5.5 | -3.1 | 0.21 | 7.1 | 8.9 | -11.3 | 8.0 | 1.2 | -1.3 | -5.5 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.06 | 0.01 | 0.00 | -0.55 | -0.22 | 0.22 | 0.00 | -0.13 | 0.04 | 0.02 | 0.07 |
|---|
| Non-Operating Income | 0.00 | 0.05 | 0.02 | 0.00 | 0.00 | -0.27 | 0.27 | 0.00 | -0.22 | 0.06 | 0.04 | 0.11 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | -0.00 | 0.00 | -0.55 | 0.04 | -0.04 | 0.00 | 0.09 | -0.02 | -0.03 | -0.04 |
|---|
| Profit Before Income Tax | 0.33 | 4.1 | 5.5 | -3.1 | -0.33 | 6.8 | 9.1 | -11.3 | 7.8 | 1.2 | -1.3 | -5.4 |
|---|
| Income Tax Expense | -0.27 | -1.2 | -0.72 | 0.00 | -0.12 | -1.4 | 0.00 | 0.00 | -0.77 | 0.00 | 0.00 | 0.00 |
|---|
| Current Tax | -0.39 | -1.2 | -0.72 | 0.00 | -0.52 | -1.4 | 0.00 | 0.00 | -0.79 | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax | 0.13 | 0.00 | 0.00 | 0.00 | 0.40 | -0.00 | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 0.06 | 2.9 | 4.8 | -3.1 | -0.45 | 5.4 | 9.1 | -11.3 | 7.1 | 1.2 | -1.3 | -5.4 |
|---|
Guheshowori Merchant Bank & Finance share price history
Over the last 15 trading sessions GMFIL closed between Rs. 410.00 and Rs. 433.70, finishing at Rs. 431.90 on 2026-09-22 against Rs. 410.90 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 423.10 | 438.40 | 423.00 | 431.90 | 7,459 |
|---|
| 2026-09-18 | 427.90 | 429.90 | 425.40 | 428.90 | 9,690 |
|---|
| 2026-09-17 | 429.00 | 430.00 | 420.10 | 426.90 | 10,739 |
|---|
| 2026-09-16 | 434.90 | 434.90 | 421.80 | 421.90 | 7,476 |
|---|
| 2026-09-15 | 442.00 | 442.00 | 423.10 | 433.70 | 13,155 |
|---|
| 2026-09-14 | 408.00 | 422.40 | 408.00 | 421.00 | 6,856 |
|---|
| 2026-09-11 | 416.90 | 416.90 | 404.40 | 413.80 | 3,815 |
|---|
| 2026-09-10 | 405.70 | 411.80 | 402.00 | 410.80 | 4,458 |
|---|
| 2026-09-09 | 412.00 | 423.00 | 407.70 | 417.90 | 8,815 |
|---|
| 2026-09-07 | 414.00 | 420.00 | 414.00 | 418.00 | 5,966 |
|---|
| 2026-09-03 | 420.00 | 420.00 | 413.00 | 414.10 | 6,329 |
|---|
| 2026-09-02 | 418.00 | 418.00 | 410.40 | 417.00 | 4,265 |
|---|
| 2026-09-01 | 419.00 | 419.00 | 406.00 | 410.00 | 11,170 |
|---|
| 2026-08-31 | 415.00 | 415.00 | 410.00 | 410.00 | 3,496 |
|---|
| 2026-08-26 | 421.00 | 421.00 | 400.00 | 410.90 | 37,847 |
|---|
GMFIL share price by year
2026, between Rs. 400.00 and Rs. 540.00, 2025, between Rs. 393.10 and Rs. 599.50, 2024, between Rs. 333.00 and Rs. 759.00, 2023, between Rs. 277.00 and Rs. 427.00, 2022, between Rs. 210.23 and Rs. 499.06 and 2021, between Rs. 157.06 and Rs. 659.84.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 400.00 | 540.00 | 168 |
|---|
| 2025 | 393.10 | 599.50 | 225 |
|---|
| 2024 | 333.00 | 759.00 | 232 |
|---|
| 2023 | 277.00 | 427.00 | 227 |
|---|
| 2022 | 210.23 | 499.06 | 242 |
|---|
| 2021 | 157.06 | 659.84 | 239 |
|---|
| 2020 | 86.94 | 173.88 | 179 |
|---|
| 2019 | 87.73 | 105.91 | 128 |
|---|
| 2018 | 90.10 | 133.09 | 125 |
|---|
| 2017 | 112.13 | 165.76 | 204 |
|---|
| 2016 | 96.53 | 200.86 | 145 |
|---|
| 2015 | 94.54 | 119.13 | 66 |
|---|
Guheshowori Merchant Bank & Finance share price returns
At Rs. 431.90 on 2026-09-22, GMFIL is up 2.37% over 1 week, down 0.71% over 1 month, down 9.07% over 3 months, down 16.38% over 6 months, down 10.93% over 1 year and down 14.47% over 5 years. 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 | +2.37% | 421.90 | 2026-09-16 |
|---|
| 1 month | -0.71% | 435.00 | 2026-08-24 |
|---|
| 3 months | -9.07% | 475.00 | 2026-06-25 |
|---|
| 6 months | -16.38% | 516.50 | 2026-03-26 |
|---|
| 1 year | -10.93% | 484.90 | 2025-09-23 |
|---|
| 5 years | -14.47% | 504.99 | 2021-09-23 |
|---|
GMFIL floorsheet for 2026-09-22
GMFIL traded 39 times on 2026-09-22, moving 7,459 shares for Rs. 0.32 crore of turnover. Trades went through between Rs. 423.00 and Rs. 438.40.
Largest buyers by volume: broker 29, Trishul Securities And Investment Limited on 1,490 shares across 5 trades, broker 56, Sri Hari Securities Pvt.Ltd on 1,325 shares across 3 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 600 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 500 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 450 shares across 1 trades, broker 52, Sundhara Securities Limited on 395 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 375 shares across 1 trades, broker 54, Sewa Securities Pvt. Ltd. on 300 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 300 shares across 3 trades and broker 64, Sun Securities Pvt. Ltd on 300 shares across 2 trades.
Largest sellers by volume: broker 63, Himalayan Brokerage Company Limited on 1,414 shares across 3 trades, broker 96, Himalayan Securities Limited on 1,320 shares across 2 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 1,020 shares across 7 trades, broker 10, Pragyan Securities Pvt. Limited on 850 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 570 shares across 5 trades, broker 40, Creative Securities Pvt.Limited on 500 shares across 3 trades, broker 48, Trishakti Securities Public Limited on 493 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 300 shares across 2 trades, broker 14, Nepal Stock House Pvt. Limited on 300 shares across 2 trades and broker 51, Oxford Securities Pvt.Ltd on 120 shares across 1 trades.
GMFIL dividend history: bonus shares and cash dividend
Guheshowori Merchant Bank & Finance Co. Ltd. most recently declared a 6.5% bonus share issue for 2078/2079, announced on 2023-01-18. 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 |
|---|
| 2078/2079 | 6.5% | | 2023-01-18 |
| 2077/2078 | 10% | | 2022-01-04 |
For 2078/2079 Guheshowori Merchant Bank & Finance Co. Ltd. declared a 6.5% bonus share issue, announced on 2023-01-18.
For 2077/2078 Guheshowori Merchant Bank & Finance Co. Ltd. declared a 10% bonus share issue, announced on 2022-01-04.
GMFIL general meetings
Annual and special general meetings Guheshowori Merchant Bank & Finance Co. Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 24th AGM for 2081/2082: on 2026-01-14
- 23rd AGM for 2080/2081: on 2025-01-12, at Guheshowori Bhawan, Pulchowk, Lalitpur (11:00 AM)
- 22nd AGM for 2079/2080: on 2024-01-13, at Guheshowori Bhawan, Pulchowk, Lalitpur (11:00 AM)
3 years of annual statements and 12 quarters of results for GMFIL, with charts and peer comparison, are free on NepView.
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