Nepal Finance Ltd. (NFS) Share Price & Fundamentals

Nepal Finance (NFS) share price is Rs. 472.00, unchanged on 2026-10-12. Open Rs. 468.10. High Rs. 475.00. Low Rs. 468.00. Volume 5,471.

Nepal Finance Ltd. is a NEPSE-listed company (NFS), Finance sector. Revenue: Rs. 11.19 Crore. Net loss: Rs. 6.96 Crore. Net worth: Rs. 101.78 Crore.

About Nepal Finance Ltd.

Nepal Finance Ltd. (NFS) has 83,89,439 shares outstanding.

NFS key metrics

Market CapRs. 395.98 Crore
EPSRs. 0.46
Loss Per Share (TTM)Rs. 8.30
Book ValueRs. 121.32
Dividend Yield0.00%
Face ValueRs. 100.00
52 Week HighRs. 725.00
52 Week LowRs. 462.00

NFS strengths

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

NFS weaknesses

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

NFS Q4 2082/83 results

In Q4 2082/83 Nepal Finance Ltd. reported profit of Rs. 0.9 crore and total operating income of Rs. 3.15 crore. Profit in Q3 2082/83 was Rs. 0.87 crore. Profit grew 3.26% on the previous quarter. Total operating income fell 2.37% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 2 crore. Profit fell 55.06% on the same quarter last year. Total operating income fell 58.64% on the same quarter last year.

NFS annual results 2082/83

For the financial year 2082/83 Nepal Finance Ltd. reported a net loss of Rs. 6.96 crore, total operating income of Rs. 11.19 crore and net worth of Rs. 101.78 crore. Net profit in 2081/82 was Rs. 0.39 crore. Net profit turned from a profit to a loss on the year. Total operating income fell 14.75% on the year.

NFS profit and loss for 2082/83

In the financial year 2082/83, Nepal Finance Ltd. reported net interest income of Rs. 8.41 crore, net fee and commission income of Rs. 1.21 crore, other operating income of Rs. 1.57 crore, total operating income of Rs. 11.19 crore, impairment charge/(reversal) of Rs. 6.34 crore, net operating income of Rs. 4.85 crore, operating expenses of Rs. 11.81 crore, operating profit of Rs. 6.96 crore, profit before income tax of Rs. 6.96 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 6.96 crore.

Reported under net interest income: interest income of Rs. 33.75 crore and interest expense of Rs. 25.34 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.22 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.59 crore, other operating expenses of Rs. 2.66 crore and depreciation & amortisation of Rs. 2.56 crore. Reported under income tax expense: current tax of Rs. 0 crore.

NFS profit and loss for 2081/82

In the financial year 2081/82, Nepal Finance Ltd. reported net interest income of Rs. 8.75 crore, net fee and commission income of Rs. 1.32 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.05 crore, total operating income of Rs. 13.12 crore, impairment charge/(reversal) of Rs. 1.07 crore, net operating income of Rs. 14.2 crore, operating expenses of Rs. 12.15 crore, operating profit of Rs. 2.05 crore, non-operating income/(expense) of Rs. 0.31 crore, profit before income tax of Rs. 2.35 crore, income tax expense of Rs. 1.97 crore and profit for the year of Rs. 0.39 crore.

Reported under net interest income: interest income of Rs. 34.5 crore and interest expense of Rs. 25.75 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.34 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.77 crore, other operating expenses of Rs. 2.7 crore and depreciation & amortisation of Rs. 2.68 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.31 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. 1.97 crore.

NFS profit and loss for 2080/81

In the financial year 2080/81, Nepal Finance Ltd. reported net interest income of Rs. 10.1 crore, net fee and commission income of Rs. 1.33 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.75 crore, total operating income of Rs. 13.17 crore, impairment charge/(reversal) of Rs. 5.6 crore, net operating income of Rs. 7.57 crore, operating expenses of Rs. 11.42 crore, operating profit of Rs. 3.85 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.85 crore, income tax expense of Rs. 1.04 crore and profit for the year of Rs. 2.82 crore.

Reported under net interest income: interest income of Rs. 31.04 crore and interest expense of Rs. 20.94 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.39 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.1 crore, other operating expenses of Rs. 2.68 crore and depreciation & amortisation of Rs. 2.64 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. 1.04 crore.

NFS balance sheet for 2081/82

In the financial year 2081/82, Nepal Finance Ltd. reported total assets of Rs. 520.96 crore, total liabilities of Rs. 419.19 crore and total equity of Rs. 101.78 crore.

Reported under total assets: cash and cash equivalents of Rs. 54.54 crore, due from nepal rastra bank of Rs. 114.07 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. 9.11 crore, loans and advances to customers of Rs. 249.41 crore, investment securities of Rs. 54.85 crore, current tax assets of Rs. 3.04 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 17.91 crore, property and equipment of Rs. 13.44 crore, goodwill and intangible assets of Rs. 1.92 crore, deferred tax assets of Rs. 1.36 crore and other assets of Rs. 1.32 crore. Reported under total liabilities: due to banks and fis of Rs. 13.78 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 388.03 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 17.38 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 75.94 crore, share premium of Rs. 5.11 crore, retained earnings of Rs. 29.01 crore, reserves of Rs. 49.73 crore and non controlling interest of Rs. 0 crore.

NFS balance sheet for 2080/81

In the financial year 2080/81, Nepal Finance Ltd. reported total assets of Rs. 393.43 crore, total liabilities of Rs. 296.35 crore and total equity of Rs. 97.08 crore.

Reported under total assets: cash and cash equivalents of Rs. 73.53 crore, due from nepal rastra bank of Rs. 26.21 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 16.64 crore, loans and advances to customers of Rs. 197.78 crore, investment securities of Rs. 48.19 crore, current tax assets of Rs. 2.74 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 5.44 crore, property and equipment of Rs. 15.54 crore, goodwill and intangible assets of Rs. 2.12 crore, deferred tax assets of Rs. 4.05 crore and other assets of Rs. 1.19 crore. Reported under total liabilities: due to banks and fis of Rs. 23.24 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 255.45 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 17.66 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 72.99 crore, share premium of Rs. 5.11 crore, retained earnings of Rs. 24.46 crore, reserves of Rs. 43.44 crore and non controlling interest of Rs. 0 crore.

NFS balance sheet for 2079/80

In the financial year 2079/80, Nepal Finance Ltd. reported total assets of Rs. 315.74 crore, total liabilities of Rs. 216.47 crore and total equity of Rs. 99.27 crore.

Reported under total assets: cash and cash equivalents of Rs. 54.19 crore, due from nepal rastra bank of Rs. 14.62 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. 7.63 crore, loans and advances to customers of Rs. 130.34 crore, investment securities of Rs. 75.09 crore, current tax assets of Rs. 2.58 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 6.43 crore, property and equipment of Rs. 17.83 crore, goodwill and intangible assets of Rs. 2.13 crore, deferred tax assets of Rs. 3.2 crore and other assets of Rs. 1.7 crore. Reported under total liabilities: due to banks and fis of Rs. 14.53 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 180.61 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 21.32 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 72.75 crore, share premium of Rs. 5.11 crore, retained earnings of Rs. 21.3 crore, reserves of Rs. 42.71 crore and non controlling interest of Rs. 0 crore.

NFS cash flow for 2081/82

In the financial year 2081/82, Nepal Finance Ltd. reported net cash flow from operating activities (a) of Rs. 4.37 crore, net cash flow from investing activities (b) of Rs. 17.57 crore, net cash flow from financing activities (c) of Rs. 2.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 18.98 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 73.53 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. 54.54 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 34.5 crore, fees and other income received of Rs. 1.34 crore, dividend received of Rs. 0.1 crore, receipts from other operating activities of Rs. 3.26 crore, interest paid of Rs. 25.75 crore, commission and fees paid of Rs. 0.01 crore, cash payment to employees of Rs. 6.77 crore, other expense paid of Rs. 1.67 crore, operating cash flows before changes in operating assets and liabilities of Rs. 4.99 crore, due from nepal rastra bank of Rs. 87.86 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. 7.53 crore, loan and advances to customers of Rs. 51.63 crore, other assets of Rs. 1.73 crore, due to banks and financial institutions of Rs. 9.46 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 132.58 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.28 crore, net cash flow from operating activities before tax paid of Rs. 2.4 crore and income taxes paid of Rs. 1.97 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 7.48 crore, receipts from sale of investment securities of Rs. 2.67 crore, purchase of property and equipment of Rs. 0.3 crore, receipt from sale of property and equipment of Rs. 0.01 crore, purchase of intangible assets of Rs. 0.01 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 12.46 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. 2.96 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NFS cash flow for 2080/81

In the financial year 2080/81, Nepal Finance Ltd. reported net cash flow from operating activities (a) of Rs. 8.88 crore, net cash flow from investing activities (b) of Rs. 27.98 crore, net cash flow from financing activities (c) of Rs. 0.24 crore, net increase/(decrease) in cash and cash equivalents of Rs. 19.34 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 54.19 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. 73.53 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 31.04 crore, fees and other income received of Rs. 1.39 crore, dividend received of Rs. 0.07 crore, receipts from other operating activities of Rs. 1.67 crore, interest paid of Rs. 20.94 crore, commission and fees paid of Rs. 0.06 crore, cash payment to employees of Rs. 6.1 crore, other expense paid of Rs. 8.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.27 crore, due from nepal rastra bank of Rs. 11.58 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. 9.01 crore, loan and advances to customers of Rs. 67.44 crore, other assets of Rs. 0.51 crore, due to banks and financial institutions of Rs. 8.71 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 74.84 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 3.66 crore, net cash flow from operating activities before tax paid of Rs. 9.91 crore and income taxes paid of Rs. 1.04 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 4.87 crore, receipts from sale of investment securities of Rs. 32.2 crore, purchase of property and equipment of Rs. 0.26 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.08 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. 0.99 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. 0.24 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NFS cash flow for 2079/80

In the financial year 2079/80, Nepal Finance Ltd. reported net cash flow from operating activities (a) of Rs. 20.41 crore, net cash flow from investing activities (b) of Rs. 30.19 crore, net cash flow from financing activities (c) of Rs. 0.91 crore, net increase/(decrease) in cash and cash equivalents of Rs. 8.88 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 63.07 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. 54.19 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 26.95 crore, fees and other income received of Rs. 0.78 crore, dividend received of Rs. 0.03 crore, receipts from other operating activities of Rs. 1.31 crore, interest paid of Rs. 17.71 crore, commission and fees paid of Rs. 0.06 crore, cash payment to employees of Rs. 5.52 crore, other expense paid of Rs. 0.43 crore, operating cash flows before changes in operating assets and liabilities of Rs. 5.34 crore, due from nepal rastra bank of Rs. 2.02 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. 14.99 crore, loan and advances to customers of Rs. 32.27 crore, other assets of Rs. 0.4 crore, due to banks and financial institutions of Rs. 0.53 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 33.19 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.6 crore, net cash flow from operating activities before tax paid of Rs. 20.74 crore and income taxes paid of Rs. 0.34 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 30.89 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 3.02 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. 0.09 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 3.63 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. 0.21 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0.7 crore.

NFS quarterly for Q4 2082/83

In the quarter Q4 2082/83, Nepal Finance Ltd. reported net interest income of Rs. 2.6 crore, net fee and commission income of Rs. 0.39 crore, other operating income of Rs. 0.16 crore, total operating income of Rs. 3.15 crore, impairment charge/(reversal) of Rs. 0.86 crore, net operating income of Rs. 4.01 crore, operating expenses of Rs. 3.11 crore, operating profit of Rs. 0.9 crore, profit before income tax of Rs. 0.9 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.9 crore.

Reported under net interest income: interest income of Rs. 9.01 crore and interest expense of Rs. 6.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.39 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.98 crore, other operating expenses of Rs. 0.54 crore and depreciation & amortisation of Rs. 1.66 crore. Reported under income tax expense: current tax of Rs. 0 crore.

NFS quarterly for Q3 2082/83

In the quarter Q3 2082/83, Nepal Finance Ltd. reported net interest income of Rs. 2.7 crore, net fee and commission income of Rs. 0.29 crore, other operating income of Rs. 0.24 crore, total operating income of Rs. 3.22 crore, impairment charge/(reversal) of Rs. 0.65 crore, net operating income of Rs. 3.87 crore, operating expenses of Rs. 3 crore, operating profit of Rs. 0.87 crore, profit before income tax of Rs. 0.87 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.87 crore.

Reported under net interest income: interest income of Rs. 8.75 crore and interest expense of Rs. 6.05 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.29 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.63 crore, other operating expenses of Rs. 1.07 crore and depreciation & amortisation of Rs. 0.3 crore. Reported under income tax expense: current tax of Rs. 0 crore.

NFS quarterly for Q2 2082/83

In the quarter Q2 2082/83, Nepal Finance Ltd. reported net interest income of Rs. 1.31 crore, net fee and commission income of Rs. 0.28 crore, other operating income of Rs. 0.98 crore, total operating income of Rs. 2.58 crore, impairment charge/(reversal) of Rs. 2.47 crore, net operating income of Rs. 0.11 crore, operating expenses of Rs. 2.89 crore, operating profit of Rs. 2.78 crore, profit before income tax of Rs. 2.78 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 2.78 crore.

Reported under net interest income: interest income of Rs. 7.5 crore and interest expense of Rs. 6.19 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.28 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.53 crore, other operating expenses of Rs. 1.06 crore and depreciation & amortisation of Rs. 0.3 crore. Reported under income tax expense: current tax of Rs. 0 crore.

NFS quarterly for Q1 2082/83

In the quarter Q1 2082/83, Nepal Finance Ltd. reported net interest income of Rs. 1.8 crore, net fee and commission income of Rs. 0.25 crore, other operating income of Rs. 0.19 crore, total operating income of Rs. 2.24 crore, impairment charge/(reversal) of Rs. 5.38 crore, net operating income of Rs. 3.14 crore, operating expenses of Rs. 2.82 crore, operating profit of Rs. 5.96 crore, profit before income tax of Rs. 5.96 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 5.96 crore.

Reported under net interest income: interest income of Rs. 8.49 crore and interest expense of Rs. 6.69 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.25 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.45 crore, other operating expenses of Rs. 1.07 crore and depreciation & amortisation of Rs. 0.3 crore. Reported under income tax expense: current tax of Rs. 0 crore.

NFS Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars2082/832081/822080/812079/802078/792077/78
Net Interest Income8.48.710.19.26.82.0
   Interest Income33.734.531.027.016.53.7
   Interest Expense-25.3-25.7-20.9-17.7-9.7-1.7
Net Fee and Commission Income1.21.31.30.720.870.30
   Fee and Commission Income1.21.31.40.780.890.30
   Fee and Commission Expense-0.01-0.01-0.06-0.06-0.030.00
Net Trading IncomeNot reported0.000.000.000.000.00
Other Operating Income1.63.11.71.31.10.52
Total Operating Income11.213.113.211.38.82.9
Impairment Charge/(Reversal)-6.31.1-5.62.54.04.6
Net Operating Income4.914.27.613.812.87.5
Operating Expenses-11.8-12.1-11.4-11.4-10.1-4.9
   Operating Expense - Personnel Expenses-6.6-6.8-6.1-5.5-5.2-2.0
   Other Operating Expenses-2.7-2.7-2.7-2.9-2.9-2.6
   Depreciation & Amortisation-2.6-2.7-2.6-3.0-2.1-0.37
Operating Profit-7.02.0-3.92.42.72.5
Non-Operating Income/(Expense)Not reported0.310.000.000.00-0.00
   Non-Operating IncomeNot reported0.310.000.000.000.10
   Non-Operating ExpenseNot reported0.000.000.000.00-0.10
Profit Before Income Tax-7.02.4-3.92.42.72.5
Income Tax Expense0.00-2.01.0-0.340.032.6
   Current Tax0.000.000.000.00-0.840.00
   Deferred TaxNot reported-2.01.0-0.340.872.6
Profit for the Year-7.00.39-2.82.02.75.1

NFS Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/782076/77
Total Assets52139331627914647.3
   Cash and Cash Equivalents54.573.554.263.172.526.6
   Due from Nepal Rastra Bank11426.214.612.68.70.45
   Placement with Banks and FIs0.000.000.000.000.000.00
   Derivative Financial Instruments0.000.000.000.000.000.00
   Other Trading Assets0.000.000.000.000.000.00
   Loans and Advances to Banks and FIs9.116.67.622.62.50.50
   Loans and Advances to Customers24919813098.129.23.1
   Investment Securities54.848.275.144.211.42.7
   Current Tax Assets3.02.72.62.22.81.4
   Investment in Subsidiaries0.000.000.000.000.000.00
   Investment in Associates0.000.000.000.000.000.00
   Investment Property17.95.46.410.111.09.3
   Property and Equipment13.415.517.817.82.30.84
   Goodwill and Intangible Assets1.92.12.12.21.30.00
   Deferred Tax Assets1.44.13.23.82.52.0
   Other Assets1.31.21.71.81.40.53
Total Liabilities41929621618277.724.1
   Due to Banks and FIs13.823.214.514.05.40.00
   Due to Nepal Rastra Bank0.000.000.000.000.000.00
   Derivative Financial Instruments0.000.000.000.000.000.00
   Deposits from Customers38825518114765.720.9
   Borrowings0.000.000.000.000.000.00
   Current Tax Liabilities0.000.000.000.000.000.00
   Provisions0.000.000.000.000.070.03
   Deferred Tax Liabilities0.000.000.000.000.000.00
   Other Liabilities17.417.721.320.76.53.2
   Debt Securities Issued0.000.000.000.000.000.00
   Subordinated Liabilities0.000.000.000.000.000.00
Total Equity10297.199.396.467.823.2
   Share Capital75.973.072.872.549.313.6
   Share Premium5.15.15.15.12.20.00
   Retained Earnings-29.0-24.5-21.3-25.5-32.8-17.9
   Reserves49.743.442.744.249.127.5
   Non Controlling Interest0.000.000.000.000.000.00

NFS Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/782076/77
Net Cash Flow from Operating Activities (A)-4.4-8.920.415.119.914.2
   Interest Received34.531.027.016.53.73.0
   Fees and Other Income Received1.31.40.780.890.300.03
   Dividend Received0.100.070.030.050.080.10
   Receipts from Other Operating Activities3.31.71.31.00.450.02
   Interest Paid-25.7-20.9-17.7-9.7-1.7-0.27
   Commission and Fees Paid-0.01-0.06-0.06-0.030.00-0.07
   Cash Payment to Employees-6.8-6.1-5.5-5.2-2.0-1.0
   Other Expense Paid-1.7-8.3-0.431.22.11.1
   Operating Cash Flows Before Changes in Operating Assets and Liabilities5.0-1.35.34.83.02.8
   Due from Nepal Rastra Bank-87.9-11.6-2.0-4.0-8.2-0.01
   Placement with Banks and Financial Institutions0.000.000.000.000.000.00
   Other Trading Assets0.000.000.000.000.000.00
   Loan and Advances to Banks and Financial Institutions7.5-9.015.0-20.2-2.0-0.50
   Loan and Advances to Customers-51.6-67.4-32.3-68.9-26.1-3.1
   Other Assets1.7-0.510.40-1.2-2.8-3.1
   Due to Banks and Financial Institutions-9.58.70.538.65.40.00
   Due to Nepal Rastra Bank0.000.000.000.000.000.00
   Deposit from Customers13374.833.281.744.816.5
   Borrowings0.000.000.000.000.000.00
   Other Liabilities-0.28-3.70.6014.23.4-0.25
   Net Cash Flow from Operating Activities Before Tax Paid-2.4-9.920.715.117.512.4
   Income Taxes Paid-2.01.0-0.340.032.41.8
Net Cash Flow from Investing Activities (B)-17.628.0-30.2-48.6-13.61.2
   Purchase of Investment Securities-7.5-4.9-30.9-32.8-8.71.6
   Receipts from Sale of Investment Securities2.732.20.000.000.000.00
   Purchase of Property and Equipment-0.30-0.26-3.0-17.6-1.8-0.46
   Receipt from Sale of Property and Equipment0.010.000.000.00-0.000.00
   Purchase of Intangible Assets-0.01-0.080.000.00-1.30.00
   Receipt from Sale of Intangible Assets0.000.000.090.820.000.00
   Purchase of Investment Properties-12.50.000.000.000.000.00
   Receipt from Sale of Investment Properties0.000.993.60.95-1.70.00
   Interest Received0.000.000.000.000.000.00
   Dividend Received0.000.000.000.000.000.00
Net Cash Flow from Financing Activities (C)3.00.240.9124.139.6-1.1
   Receipt from Issue of Debt Securities0.000.000.000.000.000.00
   Repayment of Debt Securities0.000.000.000.000.000.00
   Receipt from Issue of Subordinated Liabilities0.000.000.000.000.000.00
   Repayment of Subordinated Liabilities0.000.000.000.000.000.00
   Receipt from Issue of Shares3.00.240.2123.235.80.00
   Dividends Paid0.000.000.000.000.000.00
   Interest Paid0.000.000.000.000.000.00
   Other Receipt/Payment0.000.000.700.893.8-1.1
Net Increase/(Decrease) in Cash and Cash Equivalents-19.019.3-8.9-9.445.914.2
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)73.554.263.172.526.612.3
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held0.000.000.000.000.000.00
Cash and Cash Equivalents at Ashadh End54.573.554.263.172.526.6

NFS Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81Q3 2080/81Q2 2080/81Q1 2080/81
Net Interest Income2.62.71.31.84.4-0.902.62.93.52.73.41.5
   Interest Income9.08.77.58.511.25.48.78.69.07.77.86.6
   Interest Expense-6.4-6.1-6.2-6.7-6.7-6.4-6.0-5.7-5.5-5.0-4.4-5.0
Net Fee and Commission Income0.390.290.280.250.320.440.180.380.380.310.350.24
   Fee and Commission Income0.390.290.280.250.320.440.190.390.420.310.360.25
   Fee and Commission Expense-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.04-0.01-0.01-0.01
Other Operating Income0.160.240.980.192.90.080.040.201.20.271.40.00
Total Operating Income3.13.22.62.27.6-0.392.83.55.13.25.11.8
Impairment Charge/(Reversal)0.860.65-2.5-5.4-1.40.285.5-2.91.0-0.32-0.37-0.98
Net Operating Income4.03.90.11-3.16.2-0.108.30.616.12.94.80.79
Operating Expenses-3.1-3.0-2.9-2.8-3.3-2.9-3.0-3.0-3.7-2.8-2.6-2.8
   Operating Expense - Personnel Expenses-2.0-1.6-1.5-1.4-1.9-1.3-1.7-1.7-2.1-1.5-1.2-1.5
   Other Operating Expenses0.54-1.1-1.1-1.1-1.4-1.2-1.0-0.98-1.4-1.0-1.5-0.62
   Depreciation & Amortisation-1.7-0.30-0.30-0.30-0.02-0.39-0.29-0.29-0.22-0.29-0.01-0.65
Operating Profit0.900.87-2.8-6.02.9-3.05.3-2.42.40.112.1-2.0
Non-Operating Income/(Expense)Not reportedNot reportedNot reportedNot reported0.000.31Not reportedNot reportedNot reportedNot reportedNot reportedNot reported
   Non-Operating IncomeNot reportedNot reportedNot reportedNot reported0.000.31Not reportedNot reportedNot reportedNot reportedNot reportedNot reported
Profit Before Income Tax0.900.87-2.8-6.02.9-2.75.3-2.42.40.112.1-2.0
Income Tax Expense0.000.000.000.00-0.860.81-0.880.00-0.72-0.060.000.00
   Current Tax0.000.000.000.00-0.860.81-0.880.00-0.72-0.060.000.00
Profit for the Year0.900.87-2.8-6.02.0-1.94.5-2.41.70.052.1-2.0

Nepal Finance share price history

Over the last 15 trading sessions NFS closed between Rs. 467.10 and Rs. 504.00, finishing at Rs. 472.00 on 2026-10-12 against Rs. 504.00 on 2026-09-18.

DateOpenHighLowCloseVolume
2026-10-12468.10475.00468.00472.005,471
2026-10-09470.00475.00462.00472.005,981
2026-10-08463.00476.80463.00470.006,786
2026-10-07472.00475.00467.10467.106,576
2026-10-06473.00476.00473.00475.002,103
2026-10-05478.60478.60470.10473.002,581
2026-10-02489.40493.00478.00478.005,964
2026-10-01483.00483.00480.00480.003,504
2026-09-30480.00494.00477.00480.002,931
2026-09-29489.00499.00482.20482.202,047
2026-09-28480.20495.00480.20489.005,983
2026-09-24490.00498.90482.50495.004,617
2026-09-23496.00503.70481.20486.005,993
2026-09-22504.00509.90489.90495.107,049
2026-09-18508.00512.00504.00504.003,992

NFS share price by year

2026, between Rs. 462.00 and Rs. 708.00, 2025, between Rs. 576.00 and Rs. 1,117.30, 2024, between Rs. 303.00 and Rs. 2,614.90, 2023, between Rs. 255.50 and Rs. 390.00, 2022, between Rs. 213.30 and Rs. 488.24 and 2021, between Rs. 160.00 and Rs. 515.29.

YearLow (Rs.)High (Rs.)Sessions
2026462.00708.00181
2025576.001,117.30225
2024303.002,614.90232
2023255.50390.00226
2022213.30488.24242
2021160.00515.29239
2020102.30220.59168

Nepal Finance share price returns

At Rs. 472.00 on 2026-10-12, NFS is down 0.21% over 1 week, down 2.28% over 1 month, down 16.58% over 3 months, down 24.54% over 6 months, down 23.26% over 1 year and up 38.82% over 5 years. 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-0.21%473.002026-10-05
1 month-2.28%483.002026-09-11
3 months-16.58%565.802026-07-14
6 months-24.54%625.502026-04-15
1 year-23.26%615.102025-10-12
5 years+38.82%340.002021-10-11

NFS floorsheet for 2026-10-12

NFS traded 52 times on 2026-10-12, moving 5,471 shares for Rs. 0.26 crore of turnover. Trades went through between Rs. 454.00 and Rs. 475.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 1,274 shares across 7 trades, broker 39, Sumeru Securities Pvt.Limited on 1,100 shares across 2 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 700 shares across 4 trades, broker 32, Premier Securites Company Limited on 685 shares across 8 trades, broker 43, South Asian Bulls Pvt.Limited on 623 shares across 9 trades, broker 37, Swarnalaxmi Securities Pvt.Limited on 300 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 250 shares across 3 trades, broker 49, Online Securities Limited on 107 shares across 1 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 100 shares across 2 trades and broker 48, Trishakti Securities Public Limited on 70 shares across 2 trades.

Largest sellers by volume: broker 1, Kumari Securities Pvt. Limited on 2,358 shares across 6 trades, broker 49, Online Securities Limited on 700 shares across 5 trades, broker 17, ABC Securities Pvt. Limited on 600 shares across 7 trades, broker 42, Sani Securities Company Limited on 500 shares across 4 trades, broker 14, Nepal Stock House Pvt. Limited on 332 shares across 5 trades, broker 25, Sweta Securities Pvt. Limited on 200 shares across 3 trades, broker 51, Oxford Securities Pvt.Ltd on 145 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 130 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 123 shares across 3 trades and broker 36, Secured Securities Limited on 100 shares across 2 trades.

NFS right share issues

Right issues Nepal Finance Ltd. has announced. A right share is offered to existing shareholders in proportion to what they already hold.

NFS general meetings

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

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