Top4 min readChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of NepalChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of Nepal A recent study by the Securities Board of Nepal has raised concerns over the operational impact of converting the founder’s shares to the public at once. The study, led by the then Director Phanindra Gautam, primarily focuses on listed hydropower companies, along with a few other sectors. It highlights that when founder shares, particularly in the hydropower sector, are converted into public shares immediately after the lock-in period, it can lead to operational issues within the company.Dipesh Ghimire·20 Aug, 2025
MAKAR2 min readMakar Jitumaya Suri Hydropower Limited (MAKAR) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Decline, and Investor SentimentMakar Jitumaya Suri Hydropower Limited (MAKAR) showed a solid revenue decline recovery in Q4 2024/25, with strong profitability margins despite the challenging revenue environment. The net income improvement, higher gross profit margins, and positive ROA and ROE indicate the company’s effective cost control and improved operational efficiency. However, the high P/E ratio suggests that investors are pricing the stock at a premium, reflecting expectations for future growth. Addressing revenue volatility and maintaining strong profit margins will be key to sustaining investor confidence and ensuring consistent long-term growth.Sandeep Chaudhary·19 Aug, 2025
Top4 min readChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of NepalChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of Nepal A recent study by the Securities Board of Nepal has raised concerns over the operational impact of converting the founder’s shares to the public at once. The study, led by the then Director Phanindra Gautam, primarily focuses on listed hydropower companies, along with a few other sectors. It highlights that when founder shares, particularly in the hydropower sector, are converted into public shares immediately after the lock-in period, it can lead to operational issues within the company.Dipesh Ghimire·20 Aug, 2025
MAKAR2 min readMakar Jitumaya Suri Hydropower Limited (MAKAR) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Decline, and Investor SentimentMakar Jitumaya Suri Hydropower Limited (MAKAR) showed a solid revenue decline recovery in Q4 2024/25, with strong profitability margins despite the challenging revenue environment. The net income improvement, higher gross profit margins, and positive ROA and ROE indicate the company’s effective cost control and improved operational efficiency. However, the high P/E ratio suggests that investors are pricing the stock at a premium, reflecting expectations for future growth. Addressing revenue volatility and maintaining strong profit margins will be key to sustaining investor confidence and ensuring consistent long-term growth.Sandeep Chaudhary·19 Aug, 2025
DOLTI3 min readDolti Power Company Limited (DOLTI) Q3 2024/25 Financial Review: Analyzing Revenue Challenges, Profit Margins, and Market PerformanceDolti Power Company (DOLTI) continues to face challenges in revenue generation and profitability in Q3 2024/25, as evidenced by the significant net loss and declining gross margins. However, the company has shown signs of improvement in key metrics such as net income, EPS, and ROA compared to the previous year. The increased market value per share suggests that investors remain hopeful about future growth despite the ongoing financial difficulties. The company’s strong loan loss provisions and liquidity position provide some cushion against potential risks, but addressing its NPL ratio and cost control will be essential for achieving sustainable profitability in the future.Sandeep Chaudhary·19 Aug, 2025
NABBC3 min readNarayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market PerformanceNarayani Development Bank (NABBC) faced significant financial challenges in Q4 2024/25, with sharp declines in revenue, gross profit, and net income. The increase in NPL ratio and negative profitability metrics like EPS and P/E ratio reflect ongoing struggles in managing its loan portfolio and maintaining profitability. Despite these issues, the increase in market value per share signals continued investor confidence, suggesting optimism for future recovery. The bank will need to address its growing NPLs and improve profitability to ensure long-term stability. However, the strong loan loss provisions and liquidity position provide some cushion against further financial risks.Sandeep Chaudhary·19 Aug, 2025
BFC2 min readBest Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan QualityBest Finance Company (BFC) has shown signs of recovery in Q4 2024/25 with improved net income, gross profit margins, and a recovery in EPS. However, the NPL ratio increase and the cost of funds remain areas of concern. Despite these challenges, the company has managed to maintain strong liquidity and capital adequacy, which will provide a buffer against potential risks. The increase in market value per share signals investor optimism for future performance, although BFC will need to address its rising NPLs and work on improving revenue consistency to sustain growth.Sandeep Chaudhary·19 Aug, 2025
MNBBL3 min readMuktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset ManagementMuktinath Bikas Bank (MNBBL) has managed to maintain strong profitability margins and net income growth despite a significant decline in revenue for Q4 2024/25. The bank's gross profit margin and net income indicate effective cost management and robust operational performance, even as revenue declined. The increase in NPL ratio remains a concern, but the bank's high loan loss provision ratio indicates it is well-prepared to manage potential credit risks. The rise in market value per share reflects investor confidence, suggesting that MNBBL is well-positioned to navigate the challenges ahead while capitalizing on future growth opportunities.Sandeep Chaudhary·19 Aug, 2025
SKBBL2 min readSana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial IndicatorsSana Kisan Bikas Bank (SKBBL) showed resilience in Q4 2024/25, with strong profitability despite significant declines in revenue. The bank’s ability to manage costs effectively led to healthy gross profit margins and net income growth, maintaining high profitability even as revenue decreased. The increase in NPL ratio was offset by strong provisions, reflecting the bank’s cautious approach to credit risk. The growth in market value per share signals investor confidence, despite the short-term challenges. With effective liquidity management and a strong investment portfolio, SKBBL remains well-positioned for future growth, but it will need to address revenue challenges to ensure continued stability.Sandeep Chaudhary·19 Aug, 2025
RNLI2 min readReliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy DeclineReliable Nepal Life Insurance Limited (RNLI) showed solid revenue and premium growth in Q4 2024/25, although it faced challenges in policy retention and growth in the non-life insurance segment. The company’s ability to maintain strong net income, gross margins, and return on equity demonstrates effective cost management and a healthy financial position. The increase in market value per share and P/E ratio reflects investor confidence, even amid slower earnings growth. Despite the drop in enforced policies, RNLI has continued to demonstrate strong new premium growth and effective investment management, positioning itself for continued stability and growth in the long term.Sandeep Chaudhary·19 Aug, 2025
LICN2 min readLife Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market PerformanceLife Insurance Corporation Nepal (LICN) showed resilience in Q4 2024/25, maintaining stable growth in revenue and strong profitability despite the challenges in the market. While there was a slight dip in the net margin and Earnings Per Share (EPS) compared to the previous year, the company continues to perform solidly, supported by effective cost management and a growing portfolio in both life and non-life insurance sectors. The increase in market value per share reflects investor confidence, although the high P/E ratio indicates high market expectations for future performance.Sandeep Chaudhary·19 Aug, 2025
HIDCL2 min readHydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market TrendsHIDCL faced significant revenue declines in Q4 2024/25 but managed to maintain impressive profit margins and net income. Despite the drop in revenue, the company demonstrated strong gross profit margins and remained highly profitable, with a net income margin of 65.99%. While Return on Assets (ROA) and Return on Equity (ROE) showed slight declines, the company still generates positive returns for shareholders. The rise in market value per share and the Price-to-Earnings (P/E) ratio reflects investor optimism and high future expectations for the company, despite its short-term challenges.Sandeep Chaudhary·19 Aug, 2025
Top4 min readChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of NepalChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of Nepal A recent study by the Securities Board of Nepal has raised concerns over the operational impact of converting the founder’s shares to the public at once. The study, led by the then Director Phanindra Gautam, primarily focuses on listed hydropower companies, along with a few other sectors. It highlights that when founder shares, particularly in the hydropower sector, are converted into public shares immediately after the lock-in period, it can lead to operational issues within the company.Dipesh Ghimire·20 Aug, 2025
MAKAR2 min readMakar Jitumaya Suri Hydropower Limited (MAKAR) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Decline, and Investor SentimentMakar Jitumaya Suri Hydropower Limited (MAKAR) showed a solid revenue decline recovery in Q4 2024/25, with strong profitability margins despite the challenging revenue environment. The net income improvement, higher gross profit margins, and positive ROA and ROE indicate the company’s effective cost control and improved operational efficiency. However, the high P/E ratio suggests that investors are pricing the stock at a premium, reflecting expectations for future growth. Addressing revenue volatility and maintaining strong profit margins will be key to sustaining investor confidence and ensuring consistent long-term growth.Sandeep Chaudhary·19 Aug, 2025
DOLTI3 min readDolti Power Company Limited (DOLTI) Q3 2024/25 Financial Review: Analyzing Revenue Challenges, Profit Margins, and Market PerformanceDolti Power Company (DOLTI) continues to face challenges in revenue generation and profitability in Q3 2024/25, as evidenced by the significant net loss and declining gross margins. However, the company has shown signs of improvement in key metrics such as net income, EPS, and ROA compared to the previous year. The increased market value per share suggests that investors remain hopeful about future growth despite the ongoing financial difficulties. The company’s strong loan loss provisions and liquidity position provide some cushion against potential risks, but addressing its NPL ratio and cost control will be essential for achieving sustainable profitability in the future.Sandeep Chaudhary·19 Aug, 2025
NABBC3 min readNarayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market PerformanceNarayani Development Bank (NABBC) faced significant financial challenges in Q4 2024/25, with sharp declines in revenue, gross profit, and net income. The increase in NPL ratio and negative profitability metrics like EPS and P/E ratio reflect ongoing struggles in managing its loan portfolio and maintaining profitability. Despite these issues, the increase in market value per share signals continued investor confidence, suggesting optimism for future recovery. The bank will need to address its growing NPLs and improve profitability to ensure long-term stability. However, the strong loan loss provisions and liquidity position provide some cushion against further financial risks.Sandeep Chaudhary·19 Aug, 2025
BFC2 min readBest Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan QualityBest Finance Company (BFC) has shown signs of recovery in Q4 2024/25 with improved net income, gross profit margins, and a recovery in EPS. However, the NPL ratio increase and the cost of funds remain areas of concern. Despite these challenges, the company has managed to maintain strong liquidity and capital adequacy, which will provide a buffer against potential risks. The increase in market value per share signals investor optimism for future performance, although BFC will need to address its rising NPLs and work on improving revenue consistency to sustain growth.Sandeep Chaudhary·19 Aug, 2025
MNBBL3 min readMuktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset ManagementMuktinath Bikas Bank (MNBBL) has managed to maintain strong profitability margins and net income growth despite a significant decline in revenue for Q4 2024/25. The bank's gross profit margin and net income indicate effective cost management and robust operational performance, even as revenue declined. The increase in NPL ratio remains a concern, but the bank's high loan loss provision ratio indicates it is well-prepared to manage potential credit risks. The rise in market value per share reflects investor confidence, suggesting that MNBBL is well-positioned to navigate the challenges ahead while capitalizing on future growth opportunities.Sandeep Chaudhary·19 Aug, 2025
SKBBL2 min readSana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial IndicatorsSana Kisan Bikas Bank (SKBBL) showed resilience in Q4 2024/25, with strong profitability despite significant declines in revenue. The bank’s ability to manage costs effectively led to healthy gross profit margins and net income growth, maintaining high profitability even as revenue decreased. The increase in NPL ratio was offset by strong provisions, reflecting the bank’s cautious approach to credit risk. The growth in market value per share signals investor confidence, despite the short-term challenges. With effective liquidity management and a strong investment portfolio, SKBBL remains well-positioned for future growth, but it will need to address revenue challenges to ensure continued stability.Sandeep Chaudhary·19 Aug, 2025
RNLI2 min readReliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy DeclineReliable Nepal Life Insurance Limited (RNLI) showed solid revenue and premium growth in Q4 2024/25, although it faced challenges in policy retention and growth in the non-life insurance segment. The company’s ability to maintain strong net income, gross margins, and return on equity demonstrates effective cost management and a healthy financial position. The increase in market value per share and P/E ratio reflects investor confidence, even amid slower earnings growth. Despite the drop in enforced policies, RNLI has continued to demonstrate strong new premium growth and effective investment management, positioning itself for continued stability and growth in the long term.Sandeep Chaudhary·19 Aug, 2025
LICN2 min readLife Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market PerformanceLife Insurance Corporation Nepal (LICN) showed resilience in Q4 2024/25, maintaining stable growth in revenue and strong profitability despite the challenges in the market. While there was a slight dip in the net margin and Earnings Per Share (EPS) compared to the previous year, the company continues to perform solidly, supported by effective cost management and a growing portfolio in both life and non-life insurance sectors. The increase in market value per share reflects investor confidence, although the high P/E ratio indicates high market expectations for future performance.Sandeep Chaudhary·19 Aug, 2025
HIDCL2 min readHydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market TrendsHIDCL faced significant revenue declines in Q4 2024/25 but managed to maintain impressive profit margins and net income. Despite the drop in revenue, the company demonstrated strong gross profit margins and remained highly profitable, with a net income margin of 65.99%. While Return on Assets (ROA) and Return on Equity (ROE) showed slight declines, the company still generates positive returns for shareholders. The rise in market value per share and the Price-to-Earnings (P/E) ratio reflects investor optimism and high future expectations for the company, despite its short-term challenges.Sandeep Chaudhary·19 Aug, 2025
Dipesh Ghimire·20 Aug, 2025Challenges in Hydropower Sector Share Structures: A Study by the Securities Board of NepalChallenges in Hydropower Sector Share Structures: A Study by the Securities Board of Nepal A recent study by the Securities Board of Nepal has raised concerns over the operational impact of converting the founder’s shares to the public at once. The study, led by the then Director Phanindra Gautam, primarily focuses on listed hydropower companies, along with a few other sectors. It highlights that when founder shares, particularly in the hydropower sector, are converted into public shares immediately after the lock-in period, it can lead to operational issues within the company.Top4 min read
Sandeep Chaudhary·19 Aug, 2025Makar Jitumaya Suri Hydropower Limited (MAKAR) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Decline, and Investor SentimentMakar Jitumaya Suri Hydropower Limited (MAKAR) showed a solid revenue decline recovery in Q4 2024/25, with strong profitability margins despite the challenging revenue environment. The net income improvement, higher gross profit margins, and positive ROA and ROE indicate the company’s effective cost control and improved operational efficiency. However, the high P/E ratio suggests that investors are pricing the stock at a premium, reflecting expectations for future growth. Addressing revenue volatility and maintaining strong profit margins will be key to sustaining investor confidence and ensuring consistent long-term growth.MAKAR2 min read
Sandeep Chaudhary·19 Aug, 2025Dolti Power Company Limited (DOLTI) Q3 2024/25 Financial Review: Analyzing Revenue Challenges, Profit Margins, and Market PerformanceDolti Power Company (DOLTI) continues to face challenges in revenue generation and profitability in Q3 2024/25, as evidenced by the significant net loss and declining gross margins. However, the company has shown signs of improvement in key metrics such as net income, EPS, and ROA compared to the previous year. The increased market value per share suggests that investors remain hopeful about future growth despite the ongoing financial difficulties. The company’s strong loan loss provisions and liquidity position provide some cushion against potential risks, but addressing its NPL ratio and cost control will be essential for achieving sustainable profitability in the future.DOLTI3 min read
Sandeep Chaudhary·19 Aug, 2025Narayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market PerformanceNarayani Development Bank (NABBC) faced significant financial challenges in Q4 2024/25, with sharp declines in revenue, gross profit, and net income. The increase in NPL ratio and negative profitability metrics like EPS and P/E ratio reflect ongoing struggles in managing its loan portfolio and maintaining profitability. Despite these issues, the increase in market value per share signals continued investor confidence, suggesting optimism for future recovery. The bank will need to address its growing NPLs and improve profitability to ensure long-term stability. However, the strong loan loss provisions and liquidity position provide some cushion against further financial risks.NABBC3 min read
Sandeep Chaudhary·19 Aug, 2025Best Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan QualityBest Finance Company (BFC) has shown signs of recovery in Q4 2024/25 with improved net income, gross profit margins, and a recovery in EPS. However, the NPL ratio increase and the cost of funds remain areas of concern. Despite these challenges, the company has managed to maintain strong liquidity and capital adequacy, which will provide a buffer against potential risks. The increase in market value per share signals investor optimism for future performance, although BFC will need to address its rising NPLs and work on improving revenue consistency to sustain growth.BFC2 min read
Sandeep Chaudhary·19 Aug, 2025Muktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset ManagementMuktinath Bikas Bank (MNBBL) has managed to maintain strong profitability margins and net income growth despite a significant decline in revenue for Q4 2024/25. The bank's gross profit margin and net income indicate effective cost management and robust operational performance, even as revenue declined. The increase in NPL ratio remains a concern, but the bank's high loan loss provision ratio indicates it is well-prepared to manage potential credit risks. The rise in market value per share reflects investor confidence, suggesting that MNBBL is well-positioned to navigate the challenges ahead while capitalizing on future growth opportunities.MNBBL3 min read
Sandeep Chaudhary·19 Aug, 2025Sana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial IndicatorsSana Kisan Bikas Bank (SKBBL) showed resilience in Q4 2024/25, with strong profitability despite significant declines in revenue. The bank’s ability to manage costs effectively led to healthy gross profit margins and net income growth, maintaining high profitability even as revenue decreased. The increase in NPL ratio was offset by strong provisions, reflecting the bank’s cautious approach to credit risk. The growth in market value per share signals investor confidence, despite the short-term challenges. With effective liquidity management and a strong investment portfolio, SKBBL remains well-positioned for future growth, but it will need to address revenue challenges to ensure continued stability.SKBBL2 min read
Sandeep Chaudhary·19 Aug, 2025Reliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy DeclineReliable Nepal Life Insurance Limited (RNLI) showed solid revenue and premium growth in Q4 2024/25, although it faced challenges in policy retention and growth in the non-life insurance segment. The company’s ability to maintain strong net income, gross margins, and return on equity demonstrates effective cost management and a healthy financial position. The increase in market value per share and P/E ratio reflects investor confidence, even amid slower earnings growth. Despite the drop in enforced policies, RNLI has continued to demonstrate strong new premium growth and effective investment management, positioning itself for continued stability and growth in the long term.RNLI2 min read
Sandeep Chaudhary·19 Aug, 2025Life Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market PerformanceLife Insurance Corporation Nepal (LICN) showed resilience in Q4 2024/25, maintaining stable growth in revenue and strong profitability despite the challenges in the market. While there was a slight dip in the net margin and Earnings Per Share (EPS) compared to the previous year, the company continues to perform solidly, supported by effective cost management and a growing portfolio in both life and non-life insurance sectors. The increase in market value per share reflects investor confidence, although the high P/E ratio indicates high market expectations for future performance.LICN2 min read
Sandeep Chaudhary·19 Aug, 2025Hydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market TrendsHIDCL faced significant revenue declines in Q4 2024/25 but managed to maintain impressive profit margins and net income. Despite the drop in revenue, the company demonstrated strong gross profit margins and remained highly profitable, with a net income margin of 65.99%. While Return on Assets (ROA) and Return on Equity (ROE) showed slight declines, the company still generates positive returns for shareholders. The rise in market value per share and the Price-to-Earnings (P/E) ratio reflects investor optimism and high future expectations for the company, despite its short-term challenges.HIDCL2 min read