Progressive Finance Limited (PROFL) Share Price & Fundamentals
Progressive Finance (PROFL) share price is Rs. 395.00, up 1.75% on 2026-09-22. Open Rs. 386.00. High Rs. 400.00. Low Rs. 386.00. Volume 9,318.
Progressive Finance Limited is a NEPSE-listed company (PROFL), Finance sector. Revenue: Rs. 24.21 Crore. Net profit: Rs. 5.02 Crore. Net worth: Rs. 66.19 Crore.
About Progressive Finance Limited
Progressive Finance Limited (PROFL) is a Kathmandu-based class C finance company licensed by Nepal Rastra Bank. It was registered on 14 Ashwin 2051 BS and began operations on 14 Falgun 2052 BS, originally as Merchant Finance Limited, taking its present name in 2067 BS. Its head office is at Pako, New Road, Kathmandu, and it provides deposit, lending and related financial services through branches including New Road and Banepa.
Progressive Finance Limited (PROFL) has 85,61,070 shares outstanding. It listed on NEPSE in 2009.
Company website: www.pfltd.com.np.
PROFL key metrics
PROFL strengths
What Progressive Finance Limited's own accounts show in its favour, graded against the rest of its sector.
- Lends out 68.6% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- Bad-loan charges come to -30.5% of income, so borrowers are paying back well. (Asset Quality)
- 96% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- The loan book grew 21.2% on last year, so more money is being put to work. (Growth)
- Earns 15.4% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
- 80% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Customer deposits grew 14.6% on last year, giving it more cheap money to lend. (Growth)
- Loans are 60.4% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
PROFL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Profit moved -50.7% on last year, so earnings are not building up. (Growth)
- Each share produced Rs 5.86 over the year. (Shareholder Returns)
- Makes only 2.5% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- Each share is backed by only Rs 77.31 of net worth. (Shareholder Returns)
- Income from lending moved -0.5%, so the core business is not growing. (Growth)
- Staff costs take 58.6% of income, a heavy load on earnings. (Efficiency)
- Operating margin is 28.7%, so running costs take too much of what core banking earns. (Profitability)
- Return on everything it owns is 1.3%, so its assets are not producing much. (Profitability)
- Total income moved 1.4% on last year. (Growth)
- Only 8.3% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Net profit margin is 20.7%, less than most lenders keep once every cost is paid. (Profitability)
- Only 10.8% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Owns 11.99x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The bank's size moved 9.8% over the year. (Shareholder Returns)
- Only 9.2% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
PROFL Q4 2082/83 results
In Q4 2082/83 Progressive Finance Limited reported profit of Rs. 7.49 crore and total operating income of Rs. 6.14 crore. Profit in Q3 2082/83 was Rs. 0.45 crore. Total operating income grew 7.95% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 2.15 crore. Profit grew 248.49% on the same quarter last year. Total operating income fell 3.98% on the same quarter last year.
PROFL annual results 2082/83
For the financial year 2082/83 Progressive Finance Limited reported net profit of Rs. 5.02 crore, total operating income of Rs. 24.21 crore and net worth of Rs. 66.19 crore. Net profit in 2081/82 was Rs. 10.18 crore. Net profit fell 50.73% on the year. Total operating income grew 1.44% on the year.
PROFL profit and loss for 2082/83
In the financial year 2082/83, Progressive Finance Limited reported net interest income of Rs. 19.37 crore, net fee and commission income of Rs. 2.61 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.23 crore, total operating income of Rs. 24.21 crore, impairment charge/(reversal) of Rs. 7.39 crore, net operating income of Rs. 31.59 crore, operating expenses of Rs. 24.66 crore, operating profit of Rs. 6.94 crore, non-operating income/(expense) of Rs. 0.12 crore, profit before income tax of Rs. 7.06 crore, income tax expense of Rs. 2.04 crore and profit for the year of Rs. 5.02 crore.
Reported under net interest income: interest income of Rs. 54.2 crore and interest expense of Rs. 34.83 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.75 crore and fee and commission expense of Rs. 0.14 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.18 crore, other operating expenses of Rs. 6.24 crore and depreciation & amortisation of Rs. 4.23 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.12 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.04 crore and deferred tax of Rs. 0 crore.
PROFL profit and loss for 2081/82
In the financial year 2081/82, Progressive Finance Limited reported net interest income of Rs. 19.46 crore, net fee and commission income of Rs. 3.71 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.69 crore, total operating income of Rs. 23.86 crore, impairment charge/(reversal) of Rs. 17.63 crore, net operating income of Rs. 41.5 crore, operating expenses of Rs. 26.94 crore, operating profit of Rs. 14.56 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 14.54 crore, income tax expense of Rs. 4.35 crore and profit for the year of Rs. 10.18 crore.
Reported under net interest income: interest income of Rs. 60.31 crore and interest expense of Rs. 40.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.79 crore and fee and commission expense of Rs. 0.08 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.55 crore, other operating expenses of Rs. 7.1 crore and depreciation & amortisation of Rs. 4.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.27 crore and non-operating expense of Rs. 0.29 crore. Reported under income tax expense: current tax of Rs. 4.64 crore and deferred tax of Rs. 0.29 crore.
PROFL profit and loss for 2080/81
In the financial year 2080/81, Progressive Finance Limited reported net interest income of Rs. 19.97 crore, net fee and commission income of Rs. 3.86 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.79 crore, total operating income of Rs. 26.62 crore, impairment charge/(reversal) of Rs. 12.62 crore, net operating income of Rs. 39.24 crore, operating expenses of Rs. 23.1 crore, operating profit of Rs. 16.14 crore, non-operating income/(expense) of Rs. 1.99 crore, profit before income tax of Rs. 14.16 crore, income tax expense of Rs. 2.47 crore and profit for the year of Rs. 11.69 crore.
Reported under net interest income: interest income of Rs. 67.02 crore and interest expense of Rs. 47.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.93 crore and fee and commission expense of Rs. 0.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.37 crore, other operating expenses of Rs. 6.65 crore and depreciation & amortisation of Rs. 4.08 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.43 crore and non-operating expense of Rs. 2.41 crore. Reported under income tax expense: current tax of Rs. 2.6 crore and deferred tax of Rs. 0.12 crore.
PROFL balance sheet for 2081/82
In the financial year 2081/82, Progressive Finance Limited reported total assets of Rs. 793.36 crore, total liabilities of Rs. 727.17 crore and total equity of Rs. 66.19 crore.
Reported under total assets: cash and cash equivalents of Rs. 66.15 crore, due from nepal rastra bank of Rs. 29.08 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. 23.74 crore, loans and advances to customers of Rs. 479 crore, investment securities of Rs. 131.4 crore, current tax assets of Rs. 0.68 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 26.25 crore, property and equipment of Rs. 31.32 crore, goodwill and intangible assets of Rs. 0.57 crore, deferred tax assets of Rs. 0.71 crore and other assets of Rs. 4.46 crore. Reported under total liabilities: due to banks and fis of Rs. 9.97 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 698.06 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. 19.14 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 84.81 crore, share premium of Rs. 0 crore, retained earnings of Rs. 43.42 crore, reserves of Rs. 24.8 crore and non controlling interest of Rs. 0 crore.
PROFL balance sheet for 2080/81
In the financial year 2080/81, Progressive Finance Limited reported total assets of Rs. 722.64 crore, total liabilities of Rs. 667.99 crore and total equity of Rs. 54.64 crore.
Reported under total assets: cash and cash equivalents of Rs. 66.92 crore, due from nepal rastra bank of Rs. 25.54 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. 47.09 crore, loans and advances to customers of Rs. 395.2 crore, investment securities of Rs. 139.73 crore, current tax assets of Rs. 0.76 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 19.86 crore, property and equipment of Rs. 21.62 crore, goodwill and intangible assets of Rs. 0.28 crore, deferred tax assets of Rs. 1.01 crore and other assets of Rs. 4.62 crore. Reported under total liabilities: due to banks and fis of Rs. 31.72 crore, due to nepal rastra bank of Rs. 6.84 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 609.31 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. 20.13 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 84.81 crore, share premium of Rs. 0 crore, retained earnings of Rs. 49.78 crore, reserves of Rs. 19.61 crore and non controlling interest of Rs. 0 crore.
PROFL balance sheet for 2079/80
In the financial year 2079/80, Progressive Finance Limited reported total assets of Rs. 569.37 crore, total liabilities of Rs. 526.58 crore and total equity of Rs. 42.8 crore.
Reported under total assets: cash and cash equivalents of Rs. 104.71 crore, due from nepal rastra bank of Rs. 19.3 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. 10.55 crore, loans and advances to customers of Rs. 317.72 crore, investment securities of Rs. 81.26 crore, current tax assets of Rs. 2.82 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 4.23 crore, property and equipment of Rs. 23.35 crore, goodwill and intangible assets of Rs. 0.21 crore, deferred tax assets of Rs. 0.95 crore and other assets of Rs. 4.26 crore. Reported under total liabilities: due to banks and fis of Rs. 33.41 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 475.56 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. 17.62 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 84.81 crore, share premium of Rs. 0 crore, retained earnings of Rs. 49.93 crore, reserves of Rs. 7.91 crore and non controlling interest of Rs. 0 crore.
PROFL cash flow for 2081/82
In the financial year 2081/82, Progressive Finance Limited reported net cash flow from operating activities (a) of Rs. 9.65 crore, net cash flow from investing activities (b) of Rs. 10.43 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 0.78 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 66.92 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. 66.15 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 55.1 crore, fees and other income received of Rs. 3.79 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.14 crore, interest paid of Rs. 40.85 crore, commission and fees paid of Rs. 0.08 crore, cash payment to employees of Rs. 13.33 crore, other expense paid of Rs. 7.1 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.32 crore, due from nepal rastra bank of Rs. 3.54 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. 23.35 crore, loan and advances to customers of Rs. 60.95 crore, other assets of Rs. 0.53 crore, due to banks and financial institutions of Rs. 21.75 crore, due to nepal rastra bank of Rs. 6.84 crore, deposit from customers of Rs. 88.75 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 2.94 crore, net cash flow from operating activities before tax paid of Rs. 14.29 crore and income taxes paid of Rs. 4.64 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 9.71 crore, receipts from sale of investment securities of Rs. 19.41 crore, purchase of property and equipment of Rs. 13.95 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.3 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 7.09 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 1.22 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. 0 crore and other receipt/payment of Rs. 0 crore.
PROFL cash flow for 2080/81
In the financial year 2080/81, Progressive Finance Limited reported net cash flow from operating activities (a) of Rs. 35.79 crore, net cash flow from investing activities (b) of Rs. 73.58 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 37.79 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 104.71 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. 66.92 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 61.8 crore, fees and other income received of Rs. 3.93 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 47.04 crore, commission and fees paid of Rs. 0.07 crore, cash payment to employees of Rs. 10.5 crore, other expense paid of Rs. 6.65 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.47 crore, due from nepal rastra bank of Rs. 6.24 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. 36.54 crore, loan and advances to customers of Rs. 59.64 crore, other assets of Rs. 0.46 crore, due to banks and financial institutions of Rs. 1.68 crore, due to nepal rastra bank of Rs. 6.84 crore, deposit from customers of Rs. 133.75 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.22 crore, net cash flow from operating activities before tax paid of Rs. 36.27 crore and income taxes paid of Rs. 0.48 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 73.99 crore, receipts from sale of investment securities of Rs. 15.68 crore, purchase of property and equipment of Rs. 2.37 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.07 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 13.7 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.88 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. 0 crore and other receipt/payment of Rs. 0 crore.
PROFL cash flow for 2079/80
In the financial year 2079/80, Progressive Finance Limited reported net cash flow from operating activities (a) of Rs. 5.4 crore, net cash flow from investing activities (b) of Rs. 1.93 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 7.33 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 112.04 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. 104.71 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 58.55 crore, fees and other income received of Rs. 1.98 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.33 crore, interest paid of Rs. 45.93 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 8.97 crore, other expense paid of Rs. 6.27 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.97 crore, due from nepal rastra bank of Rs. 7.3 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. 12.93 crore, loan and advances to customers of Rs. 1.11 crore, other assets of Rs. 1.04 crore, due to banks and financial institutions of Rs. 0.83 crore, due to nepal rastra bank of Rs. 45.42 crore, deposit from customers of Rs. 32.31 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 2.76 crore, net cash flow from operating activities before tax paid of Rs. 4.78 crore and income taxes paid of Rs. 0.62 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 6.2 crore, receipts from sale of investment securities of Rs. 10.68 crore, purchase of property and equipment of Rs. 6.1 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.15 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.64 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.49 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. 0 crore and other receipt/payment of Rs. 0 crore.
PROFL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Progressive Finance Limited reported net interest income of Rs. 5.27 crore, net fee and commission income of Rs. 0.74 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.13 crore, total operating income of Rs. 6.14 crore, impairment charge/(reversal) of Rs. 10.65 crore, net operating income of Rs. 16.79 crore, operating expenses of Rs. 7.26 crore, operating profit of Rs. 9.53 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 9.53 crore, income tax expense of Rs. 2.04 crore and profit for the year of Rs. 7.49 crore.
Reported under net interest income: interest income of Rs. 13.84 crore and interest expense of Rs. 8.56 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.75 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.67 crore, other operating expenses of Rs. 1.36 crore and depreciation & amortisation of Rs. 1.23 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. 2.04 crore and deferred tax of Rs. 0 crore.
PROFL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Progressive Finance Limited reported net interest income of Rs. 4.92 crore, net fee and commission income of Rs. 0.58 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.19 crore, total operating income of Rs. 5.69 crore, impairment charge/(reversal) of Rs. 0.75 crore, net operating income of Rs. 6.43 crore, operating expenses of Rs. 5.98 crore, operating profit of Rs. 0.45 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.45 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.45 crore.
Reported under net interest income: interest income of Rs. 13.39 crore and interest expense of Rs. 8.47 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.65 crore and fee and commission expense of Rs. 0.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.33 crore, other operating expenses of Rs. 1.81 crore and depreciation & amortisation of Rs. 0.84 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.
PROFL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Progressive Finance Limited reported net interest income of Rs. 4.09 crore, net fee and commission income of Rs. 0.67 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.06 crore, total operating income of Rs. 4.82 crore, impairment charge/(reversal) of Rs. 1.53 crore, net operating income of Rs. 6.35 crore, operating expenses of Rs. 5.36 crore, operating profit of Rs. 0.98 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.98 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.98 crore.
Reported under net interest income: interest income of Rs. 12.75 crore and interest expense of Rs. 8.66 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.68 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.06 crore, other operating expenses of Rs. 1.26 crore and depreciation & amortisation of Rs. 1.04 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.
PROFL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Progressive Finance Limited reported net interest income of Rs. 5.08 crore, net fee and commission income of Rs. 0.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.85 crore, total operating income of Rs. 7.56 crore, impairment charge/(reversal) of Rs. 5.53 crore, net operating income of Rs. 2.03 crore, operating expenses of Rs. 6.05 crore, operating profit of Rs. 4.03 crore, non-operating income/(expense) of Rs. 0.12 crore, profit before income tax of Rs. 3.91 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 3.91 crore.
Reported under net interest income: interest income of Rs. 14.22 crore and interest expense of Rs. 9.14 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.66 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.12 crore, other operating expenses of Rs. 1.81 crore and depreciation & amortisation of Rs. 1.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.12 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.
PROFL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 19.4 | 19.5 | 20.0 | 13.6 | 15.9 |
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| Interest Income | 54.2 | 60.3 | 67.0 | 59.5 | 45.2 |
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| Interest Expense | -34.8 | -40.8 | -47.0 | -45.9 | -29.3 |
|---|
| Net Fee and Commission Income | 2.6 | 3.7 | 3.9 | 2.0 | 2.9 |
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| Fee and Commission Income | 2.7 | 3.8 | 3.9 | 2.0 | 2.9 |
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| Fee and Commission Expense | -0.14 | -0.08 | -0.07 | -0.00 | -0.02 |
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| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Operating Income | 2.2 | 0.69 | 2.8 | 0.56 | 2.1 |
|---|
| Total Operating Income | 24.2 | 23.9 | 26.6 | 16.1 | 20.8 |
|---|
| Impairment Charge/(Reversal) | 7.4 | 17.6 | 12.6 | -42.7 | -4.0 |
|---|
| Net Operating Income | 31.6 | 41.5 | 39.2 | -26.6 | 16.8 |
|---|
| Operating Expenses | -24.7 | -26.9 | -23.1 | -19.8 | -15.4 |
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| Operating Expense - Personnel Expenses | -14.2 | -15.5 | -12.4 | -9.5 | -6.9 |
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| Other Operating Expenses | -6.2 | -7.1 | -6.7 | -6.3 | -5.2 |
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| Depreciation & Amortisation | -4.2 | -4.3 | -4.1 | -4.1 | -3.2 |
|---|
| Operating Profit | 6.9 | 14.6 | 16.1 | -46.4 | 1.4 |
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| Non-Operating Income/(Expense) | 0.12 | -0.02 | -2.0 | 0.07 | -0.05 |
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| Non-Operating Income | 0.12 | 0.27 | 0.43 | 0.07 | 0.01 |
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| Non-Operating Expense | 0.00 | -0.29 | -2.4 | -0.00 | -0.05 |
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| Profit Before Income Tax | 7.1 | 14.5 | 14.2 | -46.3 | 1.4 |
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| Income Tax Expense | -2.0 | -4.4 | -2.5 | 0.34 | -0.17 |
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| Current Tax | -2.0 | -4.6 | -2.6 | -0.05 | -0.36 |
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| Deferred Tax | 0.00 | 0.29 | 0.12 | 0.39 | 0.19 |
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| Profit for the Year | 5.0 | 10.2 | 11.7 | -46.0 | 1.2 |
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PROFL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Total Assets | 793 | 723 | 569 | 625 |
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| Cash and Cash Equivalents | 66.1 | 66.9 | 105 | 112 |
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| Due from Nepal Rastra Bank | 29.1 | 25.5 | 19.3 | 12.0 |
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| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
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| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 |
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| Loans and Advances to Banks and FIs | 23.7 | 47.1 | 10.6 | 23.5 |
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| Loans and Advances to Customers | 479 | 395 | 318 | 361 |
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| Investment Securities | 131 | 140 | 81.3 | 85.9 |
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| Current Tax Assets | 0.68 | 0.76 | 2.8 | 1.9 |
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| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investment in Associates | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 26.3 | 19.9 | 4.2 | 3.6 |
|---|
| Property and Equipment | 31.3 | 21.6 | 23.4 | 21.3 |
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| Goodwill and Intangible Assets | 0.57 | 0.28 | 0.21 | 0.05 |
|---|
| Deferred Tax Assets | 0.71 | 1.0 | 0.95 | 0.51 |
|---|
| Other Assets | 4.5 | 4.6 | 4.3 | 4.0 |
|---|
| Total Liabilities | 727 | 668 | 527 | 536 |
|---|
| Due to Banks and FIs | 10.0 | 31.7 | 33.4 | 32.6 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 6.8 | 0.00 | 45.4 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Deposits from Customers | 698 | 609 | 476 | 443 |
|---|
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Liabilities | 19.1 | 20.1 | 17.6 | 15.2 |
|---|
| Debt Securities Issued | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 66.2 | 54.6 | 42.8 | 88.9 |
|---|
| Share Capital | 84.8 | 84.8 | 84.8 | 84.8 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | -43.4 | -49.8 | -49.9 | -3.1 |
|---|
| Reserves | 24.8 | 19.6 | 7.9 | 7.2 |
|---|
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
PROFL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | 9.7 | 35.8 | -5.4 | 105 |
|---|
| Interest Received | 55.1 | 61.8 | 58.6 | 44.8 |
|---|
| Fees and Other Income Received | 3.8 | 3.9 | 2.0 | 2.9 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.14 | 0.00 | -0.33 | 0.14 |
|---|
| Interest Paid | -40.8 | -47.0 | -45.9 | -29.3 |
|---|
| Commission and Fees Paid | -0.08 | -0.07 | -0.00 | -0.02 |
|---|
| Cash Payment to Employees | -13.3 | -10.5 | -9.0 | -6.6 |
|---|
| Other Expense Paid | -7.1 | -6.7 | -6.3 | -5.2 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | -2.3 | 1.5 | -0.97 | 6.6 |
|---|
| Due from Nepal Rastra Bank | -3.5 | -6.2 | -7.3 | 0.91 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 23.4 | -36.5 | 12.9 | 21.0 |
|---|
| Loan and Advances to Customers | -61.0 | -59.6 | 1.1 | -139 |
|---|
| Other Assets | 0.53 | -0.46 | -1.0 | -0.81 |
|---|
| Due to Banks and Financial Institutions | -21.8 | -1.7 | 0.83 | 26.6 |
|---|
| Due to Nepal Rastra Bank | -6.8 | 6.8 | -45.4 | 28.3 |
|---|
| Deposit from Customers | 88.8 | 134 | 32.3 | 151 |
|---|
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Liabilities | -2.9 | -1.2 | 2.8 | 10.2 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 14.3 | 36.3 | -4.8 | 105 |
|---|
| Income Taxes Paid | -4.6 | -0.48 | -0.62 | -0.13 |
|---|
| Net Cash Flow from Investing Activities (B) | -10.4 | -73.6 | -1.9 | -51.3 |
|---|
| Purchase of Investment Securities | -9.7 | -74.0 | -6.2 | -44.1 |
|---|
| Receipts from Sale of Investment Securities | 19.4 | 15.7 | 10.7 | 10.9 |
|---|
| Purchase of Property and Equipment | -14.0 | -2.4 | -6.1 | -17.1 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 | 0.02 |
|---|
| Purchase of Intangible Assets | -0.30 | -0.07 | -0.15 | 0.04 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | -7.1 | -13.7 | -0.64 | -3.2 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | 1.2 | 0.88 | 0.49 | 2.1 |
|---|
| Net Cash Flow from Financing Activities (C) | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Paid | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Receipt/Payment | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -0.78 | -37.8 | -7.3 | 53.5 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 66.9 | 105 | 112 | 58.6 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 66.1 | 66.9 | 105 | 112 |
|---|
PROFL 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 |
|---|
| Net Interest Income | 5.3 | 4.9 | 4.1 | 5.1 | 5.4 | 5.2 | 2.8 | 5.1 | 5.5 |
|---|
| Interest Income | 13.8 | 13.4 | 12.7 | 14.2 | 14.7 | 14.7 | 13.4 | 16.6 | 17.4 |
|---|
| Interest Expense | -8.6 | -8.5 | -8.7 | -9.1 | -9.2 | -9.4 | -10.6 | -11.6 | -11.9 |
|---|
| Net Fee and Commission Income | 0.74 | 0.58 | 0.67 | 0.62 | 3.0 | 0.02 | 0.02 | 0.02 | 0.02 |
|---|
| Fee and Commission Income | 0.75 | 0.65 | 0.68 | 0.66 | 3.1 | 0.02 | 0.02 | 0.02 | 0.02 |
|---|
| Fee and Commission Expense | -0.02 | -0.07 | -0.01 | -0.04 | -0.11 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.13 | 0.19 | 0.06 | 1.9 | -2.0 | 0.68 | 1.8 | 1.5 | 0.88 |
|---|
| Total Operating Income | 6.1 | 5.7 | 4.8 | 7.6 | 6.4 | 5.9 | 4.6 | 6.6 | 6.4 |
|---|
| Impairment Charge/(Reversal) | 10.6 | 0.75 | 1.5 | -5.5 | 3.2 | 1.3 | 2.5 | 11.8 | 1.2 |
|---|
| Net Operating Income | 16.8 | 6.4 | 6.3 | 2.0 | 9.6 | 7.2 | 7.1 | 18.4 | 7.6 |
|---|
| Operating Expenses | -7.3 | -6.0 | -5.4 | -6.1 | -6.8 | -5.8 | -6.6 | -7.2 | -5.9 |
|---|
| Operating Expense - Personnel Expenses | -4.7 | -3.3 | -3.1 | -3.1 | -3.7 | -3.2 | -3.1 | -4.5 | -2.4 |
|---|
| Other Operating Expenses | -1.4 | -1.8 | -1.3 | -1.8 | -1.9 | -1.6 | -2.5 | -1.6 | -3.0 |
|---|
| Depreciation & Amortisation | -1.2 | -0.84 | -1.0 | -1.1 | -1.2 | -1.1 | -1.0 | -0.98 | -0.58 |
|---|
| Operating Profit | 9.5 | 0.45 | 0.98 | -4.0 | 2.8 | 1.4 | 0.47 | 11.3 | 1.7 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.12 | 0.24 | -0.21 | -0.07 | 0.01 | 0.00 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.12 | 0.33 | 0.00 | 0.00 | 0.01 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | -0.09 | -0.21 | -0.07 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 9.5 | 0.45 | 0.98 | -3.9 | 3.1 | 1.2 | 0.40 | 11.3 | 1.7 |
|---|
| Income Tax Expense | -2.0 | 0.00 | 0.00 | 0.00 | -0.92 | -0.69 | 0.04 | -3.2 | 0.00 |
|---|
| Current Tax | -2.0 | 0.00 | 0.00 | 0.00 | -0.92 | -0.69 | 0.04 | -3.2 | 0.00 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 7.5 | 0.45 | 0.98 | -3.9 | 2.1 | 0.51 | 0.44 | 8.1 | 1.7 |
|---|
Progressive Finance share price history
Over the last 15 trading sessions PROFL closed between Rs. 368.10 and Rs. 395.00, finishing at Rs. 395.00 on 2026-09-22 against Rs. 379.90 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 386.00 | 400.00 | 386.00 | 395.00 | 9,318 |
|---|
| 2026-09-18 | 369.00 | 400.00 | 369.00 | 388.20 | 4,995 |
|---|
| 2026-09-17 | 380.00 | 399.00 | 380.00 | 388.00 | 1,000 |
|---|
| 2026-09-16 | 390.00 | 398.00 | 382.60 | 385.00 | 10,849 |
|---|
| 2026-09-15 | 400.00 | 400.00 | 387.00 | 394.00 | 10,787 |
|---|
| 2026-09-14 | 379.00 | 381.80 | 379.00 | 381.00 | 5,861 |
|---|
| 2026-09-11 | 370.00 | 378.00 | 370.00 | 371.00 | 3,192 |
|---|
| 2026-09-10 | 365.00 | 370.00 | 360.10 | 368.10 | 7,144 |
|---|
| 2026-09-09 | 377.00 | 379.00 | 368.00 | 374.00 | 12,262 |
|---|
| 2026-09-07 | 375.00 | 383.00 | 375.00 | 380.00 | 5,377 |
|---|
| 2026-09-03 | 381.10 | 385.00 | 376.00 | 380.00 | 6,334 |
|---|
| 2026-09-02 | 385.00 | 385.00 | 373.50 | 380.90 | 3,390 |
|---|
| 2026-09-01 | 380.00 | 380.00 | 375.00 | 375.00 | 6,095 |
|---|
| 2026-08-31 | 385.00 | 386.00 | 374.10 | 375.10 | 3,775 |
|---|
| 2026-08-26 | 382.60 | 387.00 | 375.10 | 379.90 | 9,595 |
|---|
PROFL share price by year
2026, between Rs. 360.10 and Rs. 522.00, 2025, between Rs. 421.40 and Rs. 664.00, 2024, between Rs. 295.00 and Rs. 865.00, 2023, between Rs. 269.10 and Rs. 465.00, 2022, between Rs. 192.00 and Rs. 442.00 and 2021, between Rs. 111.21 and Rs. 536.45.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 360.10 | 522.00 | 168 |
|---|
| 2025 | 421.40 | 664.00 | 225 |
|---|
| 2024 | 295.00 | 865.00 | 232 |
|---|
| 2023 | 269.10 | 465.00 | 227 |
|---|
| 2022 | 192.00 | 442.00 | 242 |
|---|
| 2021 | 111.21 | 536.45 | 239 |
|---|
| 2020 | 87.85 | 141.12 | 170 |
|---|
| 2019 | 86.92 | 116.82 | 120 |
|---|
| 2018 | 91.59 | 213.08 | 161 |
|---|
| 2017 | 137.38 | 259.81 | 185 |
|---|
| 2016 | 108.41 | 307.48 | 145 |
|---|
| 2015 | 118.69 | 169.16 | 43 |
|---|
Progressive Finance share price returns
At Rs. 395.00 on 2026-09-22, PROFL is up 0.25% over 1 week, down 1.99% over 1 month, down 12.80% over 3 months, down 20.35% over 6 months, down 19.16% over 1 year and down 3.53% 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 | +0.25% | 394.00 | 2026-09-15 |
|---|
| 1 month | -1.99% | 403.00 | 2026-08-21 |
|---|
| 3 months | -12.80% | 453.00 | 2026-06-24 |
|---|
| 6 months | -20.35% | 495.90 | 2026-03-26 |
|---|
| 1 year | -19.16% | 488.64 | 2025-09-21 |
|---|
| 5 years | -3.53% | 409.44 | 2021-09-23 |
|---|
PROFL floorsheet for 2026-09-22
PROFL traded 65 times on 2026-09-22, moving 9,308 shares for Rs. 0.37 crore of turnover. Trades went through between Rs. 386.00 and Rs. 400.00.
Largest buyers by volume: broker 36, Secured Securities Limited on 2,065 shares across 11 trades, broker 45, Imperial Securities Co. Limited on 1,500 shares across 7 trades, broker 22, Siprabi Securities Pvt. Limited on 1,094 shares across 6 trades, broker 29, Trishul Securities And Investment Limited on 1,020 shares across 7 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 800 shares across 4 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 431 shares across 8 trades, broker 1, Kumari Securities Pvt. Limited on 300 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 300 shares across 2 trades, broker 62, Capital Max Securities Limited on 300 shares across 1 trades and broker 41, Linch Stock Market Limited on 250 shares across 2 trades.
Largest sellers by volume: broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 1,440 shares across 4 trades, broker 52, Sundhara Securities Limited on 1,010 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,000 shares across 7 trades, broker 45, Imperial Securities Co. Limited on 901 shares across 8 trades, broker 32, Premier Securites Company Limited on 800 shares across 4 trades, broker 46, Kalika Securities Pvt.Limited on 600 shares across 2 trades, broker 48, Trishakti Securities Public Limited on 550 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 510 shares across 4 trades, broker 49, Online Securities Limited on 418 shares across 1 trades and broker 58, Naasa Securities Co. Ltd. on 295 shares across 3 trades.
PROFL dividend history: bonus shares and cash dividend
Progressive Finance Limited most recently declared a 6% bonus share issue for 2077/2078, announced on 2022-03-06. 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 |
|---|
| 2077/2078 | 6% | | 2022-03-06 |
For 2077/2078 Progressive Finance Limited declared a 6% bonus share issue, announced on 2022-03-06.
PROFL general meetings
Annual and special general meetings Progressive Finance Limited has called. A dividend is declared by the board and approved at the AGM.
- 29th AGM for 2081/2082: on 2026-01-14, at Jyapu Pragya Bhawan, Bhol Ganesh, Lalitpur Municipality, Ward No-09, Lalitpur (11:00 AM)
- 27th and 28th AGM for 2080/2081: on 2025-01-13, at Jyapu Pragya Bhawan, Bhol Ganesh, Lalitpur Municipality, Ward No-09, Lalitpur (10:30 AM)
- 26th AGM for 2078/2079: on 2024-02-05, at Jyapu Pragya Bhawan, Bhol Ganesh, Lalitpur Municipality, Ward No-09, Lalitpur (11:00 AM)
5 years of annual statements and 9 quarters of results for PROFL, with charts and peer comparison, are free on NepView.
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