Top3 min readImports Surge but Duty Collection Concentrates on High-Tariff BracketsImports Surge but Duty Collection Concentrates on High-Tariff Brackets Nepal’s foreign trade figures for the first month of the fiscal year 2082/83 (Shrawan, mid-July to mid-August 2025) reveal a striking contrast between imports and customs duty collection. According to official data, the country recorded imports worth Rs. 143.04 billion, while the government collected Rs. 13.61 billion in import duties. The distribution of imports and duties across different tariff rates highlights how Nepal’s revenue collection is disproportionately driven by higher tariff brackets, despite lower import shares in some cases.Dipesh Ghimire·23 Aug, 2025
Top3 min readNepal’s Real Estate Market Cools Sharply in Shrawan Nepal’s Real Estate Market Cools Sharply in Shrawan Nepal’s property market saw a decisive slowdown in Shrawan (mid-July to mid-August), with double-digit declines across most transaction categories at land revenue (Malpot) offices nationwide. Total land-and-housing service transactions fell to 104,218, down 18.07% from 127,206 a year earlier—signaling weaker demand and more cautious borrowing behavior. Sales activity contracted markedly. The clearest proxy for buy–sell momentum—deed registrations (likhat parit)—dropped from 43,835 to 31,621, a steep 27.86% decline. Ownership transfers (nam sari) slipped 21.07% (from 4,162 to 3,285), while record amendments plunged 45.88% (from 11,156 to 6,038). Hal Sabik (old record updates) also retreated 23.03% (from 3,303 to 2,313). In short: fewer sales, fewer title changes, fewer ancillary updates.Dipesh Ghimire·23 Aug, 2025
PRIN2 min readPrabhu Insurance Q4: Stable Revenue, Declining Profitability, and Strong Valuation PremiumPrabhu Insurance (PRIN) has published its audited Q4 2024/25 results, showing weaker performance compared to last year. The company’s total revenue fell by 25.70% YoY to Rs. 962.10 million, while net income dropped sharply by 56.8% to Rs. 211.96 million. Profit margins compressed, with net margin declining to 22.03% from 48.47% a year ago. Similarly, returns weakened as ROA slipped to 3.24% and ROE to 6.38%, both well below last year’s levels. Earnings per share also fell significantly to Rs. 14.70 from Rs. 34.05, while the P/E ratio jumped to 61.89, indicating the stock remains highly valued despite reduced profitability. On the balance sheet side, book value per share improved to Rs. 325.91, and the market value per share closed at Rs. 910, showing that PRIN trades at nearly 2.8 times its book value. Operationally, the company issued 123,873 policies, almost flat YoY, while renewed policies rose 27.95%. Claims paid fell by 24.96%, but outstanding claims increased, raising some concerns. Although PRIN had distributed Rs. 18.95 per share in dividend earlier, the steep decline in profitability could pressure future payouts. Overall, the insurer shows stable topline operations but is facing profitability and efficiency challenges despite maintaining high market valuations.Sandeep Chaudhary·22 Aug, 2025
SHL1 min readSoaltee Hotel Q4: Strong Revenue Growth, Stable Margins, and Robust ProfitabilityThe book value per share stood at Rs. 27.15, while the market price surged to Rs. 577.58, trading at more than 21x its book value. This premium pricing suggests high investor confidence and brand strength. Dividend history remained stable, with SHL continuing its shareholder return policy — the company had distributed Rs. 36.84 per share previously.Sandeep Chaudhary·22 Aug, 2025
GBBL1 min readGarima Bikas Bank Q4: Revenue Down YoY but Profit Strengthens with Solid MarginsGarima Bikas Bank reported Q4 revenue of Rs. 8.42 billion (-14% YoY) but improved net profit to Rs. 1.31 billion (+15% YoY) with stronger margins (15.56%). EPS stood at Rs. 23.07, and the bank trades at a fair P/E of 18.57. While ROE (14.65%) remains healthy, rising NPLs (4.72%) could be a concern.Sandeep Chaudhary·22 Aug, 2025
HATHY1 min readHathway Investment Nepal Q4: Revenue Jumps Sharply, Margins Stable, But Valuation StretchedHathway Investment Nepal reported Q4 revenue of Rs. 197.49 million (+275.88% YoY) and net income of Rs. 64.95 million (-22.67% YoY). Margins remain stable with 32.89% net margin, but ROA (2.39%) and ROE (3.08%) indicate moderate returns. EPS stood at Rs. 2.29, while the stock trades at a very high P/E of 531.92, signaling stretched valuations. Despite the revenue rebound, the absence of dividends this year contrasts with last year’s Rs. 10.53 payout.Sandeep Chaudhary·22 Aug, 2025
NESDO1 min readNESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue BaseNESDO Sambridha Laghubitta reported Q4 revenue of Rs. 530.40 million (-33.31% YoY) but slipped into a net loss of Rs. 10.09 million, compared to Rs. 67.86 million profit last year. High NPLs at 21.06% and a stretched CD ratio of 167.84% have severely impacted earnings. ROA and ROE turned negative at -0.24% and -1.23%, while EPS fell to -3.47. Despite financial stress, the stock trades at Rs. 1,716.78, showing market optimism, though no dividend was declared this yearSandeep Chaudhary·22 Aug, 2025
CITY1 min readCity Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue BaseCity Hotel Limited (CITY) reported Q4 FY 2024/25 revenue of Rs. 522.31 million (-9.09% YoY) but a net loss of Rs. 198.97 million. Gross profit margin stood at 28.77%, while net margin was deeply negative at -38.09%. ROA and ROE were -3.58% and -13.83% respectively. EPS came in at -Rs. 11.89, with book value declining to Rs. 80.83. Despite ongoing losses, CITY’s market value per share jumped to Rs. 873.65, suggesting that investors are pricing in long-term tourism recovery prospects.Sandeep Chaudhary·22 Aug, 2025
SCB1 min readStandard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue DipStandard Chartered Bank Nepal (SCB) reported Q4 FY 2024/25 revenue of Rs. 8.33 billion (-6.60% YoY) with net income of Rs. 3.03 billion (-8.4% YoY). Despite revenue pressure, profit margin strengthened to 36.33%, while ROE stood at 14.41%. Asset quality improved with NPLs down to 1.47% and provisioning coverage rising to 160%. EPS stood at Rs. 30.17, with a PE ratio of 21.75. The bank continues to maintain strong capitalization and liquidity, positioning itself as one of the most stable commercial banks in Nepal.Sandeep Chaudhary·22 Aug, 2025
PCBL1 min readPrime Commercial Bank Q4 Results: Strong Profitability Despite Revenue SlowdownPrime Commercial Bank (PCBL) reported Q4 FY 2024/25 revenue of Rs. 23.53 billion (-9.21% YoY) but improved profitability with net income of Rs. 4.02 billion (+6.6% YoY). Net profit margin strengthened to 17.10%. EPS rose to Rs. 20.74, while ROE stood at 12.55%. NPLs increased to 5.56%, but cost of funds fell to 5.21%, supporting better margins. Market value closed at Rs. 276.31 per share.Sandeep Chaudhary·22 Aug, 2025