BNL1 min readBottlers Nepal (Balaju) Q4 Results: Revenue Slips and Heavy Losses Despite Strong Brand PremiumBottlers Nepal (Balaju) (BNL) reported Q4 revenue of Rs. 10.96 billion (-4.54% YoY) and a net loss of Rs. 400.60 million, reversing from Rs. 395.86 million profit last year. Gross profit stood at Rs. 2.73 billion with margins at 24.88%. EPS slumped to -Rs. 205.55, while ROE dropped to -6.16%. Despite losses, the stock trades at Rs. 17,498 vs. book value Rs. 3,184.34, reflecting strong investor faith in its global brand and long-term market positioning. Dividend remains unannounced.Sandeep Chaudhary·22 Aug, 2025
BNT1 min readBottlers Nepal (Terai) Q4 Results: Revenue Decline and Heavy Losses Despite Strong Market ValueBottlers Nepal (Terai) (BNT) posted Q4 revenue of Rs. 7.70 billion (-7.77% YoY) with gross profit of Rs. 1.74 billion (22.61% margin). However, the company reported a net loss of Rs. 607.57 million, reversing from a profit of Rs. 360.86 million last year. EPS collapsed to -Rs. 502.13, with ROE at -14.96%. Despite weak fundamentals, the stock trades at Rs. 12,800 vs. book value Rs. 2,920.77, showing investor confidence in its long-term brand power. Dividend for FY 2024/25 is pending.Sandeep Chaudhary·22 Aug, 2025
NIL2 min readNeco Insurance Q4 Results: Revenue Declines but Profit Margins Stay StrongNeco Insurance (NIL) posted Q4 revenue of Rs. 2.42 billion (-21.23% YoY), with gross profit of Rs. 1.49 billion (61.62% margin). Net profit was Rs. 550.83 million, down from Rs. 685.71 million last year, though margins remained strong at 22.73%. EPS stood at Rs. 21.90, with ROE at 9.71%. Renewed policies rose 16.98% YoY, but claims increased 13.79%. The stock trades at Rs. 710.36 vs. book value Rs. 285.75, reflecting investor optimism. Dividend declaration is pending.Sandeep Chaudhary·22 Aug, 2025
ILI2 min readIME Life Insurance Q4 Results: Strong Revenue Growth, Higher Premium Inflows, and Steady ProfitabilityIME Life Insurance (ILI) posted Q4 revenue of Rs. 6.98 billion (+25.42% YoY) and net income of Rs. 583.30 million, with profit margin at 8.35%. EPS improved to Rs. 11.67, while ROE strengthened to 8.10%. Premium growth remained strong with first-year premiums up 22.95% and renewal premiums up 17.32%, but claims rose 30.69% YoY. Outstanding claims dropped significantly, showing better settlement efficiency. The stock trades at Rs. 462.02 vs. book value Rs. 138.58, reflecting solid investor sentiment. Dividend for FY 2024/25 is awaited.Sandeep Chaudhary·22 Aug, 2025
SANVI1 min readSanvi Energy Q4 Results: Strong Revenue Growth and Improved ProfitabilitySanvi Energy Limited (SANVI) reported Q4 revenue of Rs. 231.08 million, up from Rs. 145.47 million in Q3. Gross profit was Rs. 211.55 million, with a strong 91.55% margin. Net income improved to Rs. 27.64 million, with profit margin rising to 11.96%. EPS stood at Rs. 3.14, while book value per share was Rs. 113.96. The company continues to demonstrate strong cost efficiency and growing profitability. Dividend declaration is pending.Sandeep Chaudhary·22 Aug, 2025
SRLI2 min readSanima Reliance Life Q4 Results: Revenue Growth, Strong Premium Collections but Lower Policy RetentionSanima Reliance Life Insurance (SRLI) posted Q4 revenue of Rs. 8.48 billion (+10.11% YoY) and net income of Rs. 377.49 million, with a net margin of 4.45%. Premium inflows were strong, with first-year premiums up 13.15% and renewal premiums up 13.25%, while single premium nearly doubled (+96.86%). However, enforced policies declined 32.36% YoY, and outstanding claims increased. EPS stood at Rs. 7.53, with the stock trading at Rs. 410.19 versus book value of Rs. 111.59. Dividend is awaited.Sandeep Chaudhary·22 Aug, 2025
ALICL2 min readAsian Life Insurance Q4 Results: Modest Revenue Growth, Rising Premiums, but Higher Claims Pressure MarginsAsian Life Insurance (ALICL) reported Q4 revenue of Rs. 13.02 billion (+2.86% YoY), with gross profit of Rs. 1.72 billion (13.18% margin). Net income improved to Rs. 409.34 million, with EPS rising to Rs. 12.04 and ROE at 9.54%. Premium growth was strong, with first-year premiums up 22.38% and renewals up 15.12%, but claims rose 186%, pressuring margins. The stock trades at Rs. 498.36 vs. book value Rs. 135.05. Dividend for FY 2024/25 is pending.Sandeep Chaudhary·22 Aug, 2025
GMFIL2 min readGuheshwori Merchant Bank & Finance Q4 Results: Revenue Declines but Net Profit ImprovesGuheshwori Merchant Bank & Finance Ltd. (GMFIL) posted Q4 revenue of Rs. 748.67 million (-30.7% YoY), with gross profit of Rs. 173.05 million (23.11% margin). Net income improved to Rs. 27.96 million, recovering from heavy losses earlier in the year. EPS stood at Rs. 2.76, while ROE was modest at 1.89%. Asset quality improved with NPL ratio falling to 6.16% and provisioning coverage rising to 87.84%. Despite weaker fundamentals, the stock traded at Rs. 504.87 vs. book value Rs. 153.63, reflecting investor optimism. Dividend is pending.Sandeep Chaudhary·22 Aug, 2025
MLBSL2 min readMahila Laghubitta Q4 Results: Revenue Declines but Strong Profitability and Asset Quality ImprovementMahila Laghubitta (MLBSL) posted Q4 revenue of Rs. 692.44 million (-60.77% YoY), with gross profit of Rs. 299.77 million (43.29% margin). Net income was Rs. 84.15 million, maintaining stable profitability despite lower revenue. EPS stood at Rs. 38.68, while ROE remained high at 16.41%. Asset quality improved with NPL falling to 1.96% and provisioning coverage surging to 222.84%. With shares trading at Rs. 2,355.15 vs. book value Rs. 238.07, MLBSL remains one of the most highly valued microfinance institutions. Dividend is pending.Sandeep Chaudhary·22 Aug, 2025
OHL2 min readOriental Hotels Q4 Results: Revenue Declines, Margins Improve Slightly but Profitability WeakensOriental Hotels Ltd. (OHL) posted Q4 revenue of Rs. 1.08 billion (-16.9% YoY), with gross margin improving to 24.12% but net income dropping to Rs. 29.55 million. EPS fell to Rs. 2.50, while ROE slipped to 0.76%. Despite weaker fundamentals, the stock remains valued at Rs. 880.45 vs. book value Rs. 329.45, indicating strong investor sentiment. Dividend declaration for FY 2024/25 is pendingSandeep Chaudhary·22 Aug, 2025