JBLB1 min readJyoti Bikas Bank Limited (JBBL) Struggles in Q4 with Sharp Drop in ProfitabilityJyoti Bikas Bank (JBBL) ended FY 2024/25 Q4 with Rs. 5.73 billion revenue but only Rs. 12.38 million net profit, a sharp fall from last year’s Rs. 246 million. Earnings collapsed as EPS fell to Rs. 0.28, while asset quality worsened with NPLs rising to 7.98%. On the positive side, gross margins improved, cost of funds decreased, and capital adequacy strengthened slightly. Despite weak fundamentals, JBBL’s share price rose to Rs. 351.54, indicating investor optimism. To sustain growth, JBBL must improve loan quality and restore profitability.Sandeep Chaudhary·23 Aug, 2025
GLH1 min readGreenLife Hydropower Limited (GLH) Returns to Profit in Q4 with Improved EarningsGreenLife Hydropower Limited (GLH) posted a net profit of Rs. 43.39 million in Q4 FY 2024/25, marking a strong rebound from prior-year losses. EPS turned positive at Rs. 2.41, book value per share increased, and ROE improved to 2.65%, while the share price climbed above Rs. 270. Although valuation remains relatively high (PE 113x), GLH’s improving profitability trend and stronger balance sheet indicate growing investor confidence. Sustaining this profitability will be crucial for long-term stability.Sandeep Chaudhary·23 Aug, 2025
AKJCL1 min readAnkhu Khola Jalvidhyut Company Ltd. (AKJCL) Returns to Profit in Q4 with Stable MarginsAnkhu Khola Jalvidhyut Company Ltd. (AKJCL) ended FY 2024/25 Q4 with Rs. 169.70 million revenue and Rs. 41.04 million profit, reversing last year’s losses. EPS turned positive at Rs. 2.05, while book value strengthened to Rs. 90.41 per share. With consistently high gross margins and a restored bottom line, AKJCL is back on a growth track. However, relatively low ROE and high PE valuation suggest the need for sustained profitability to justify market optimism.Sandeep Chaudhary·23 Aug, 2025
AHPC1 min readArun Valley Hydropower (AHPC) Posts Extraordinary Profit Surge in Q4Arun Valley Hydropower (AHPC) delivered a remarkable turnaround in FY 2024/25 Q4, with net income surging to Rs. 448 million and EPS climbing to Rs. 11.65, compared to nearly breakeven levels last year. Strong revenue growth, record profit margins, and improved ROA/ROE highlight operational efficiency and financial stability. With a market value of Rs. 291.69 per share and dividend payout of Rs. 3.16, AHPC has re-established itself as a robust performer in Nepal’s hydropower sector.Sandeep Chaudhary·23 Aug, 2025
CHDC1 min readCEDB Hydropower Development Company (CHDC) Delivers Exceptional Q4 Performance with Record Profit MarginsCEDB Hydropower Development Company (CHDC) delivered a landmark performance in Q4 FY 2024/25, with revenue soaring by 908% and net profit margin reaching 94%. EPS hit Rs. 55.45, while ROE and ROA both exceeded 30%, signaling industry-leading efficiency. With a surging market price of Rs. 2,641.99, CHDC has cemented itself as one of Nepal’s most profitable and sought-after hydropower stocks. Sustaining such high margins and managing expansion efficiently will be key for future growth.Sandeep Chaudhary·23 Aug, 2025
LBBL1 min readLumbini Bikas Bank Limited (LBBL) Q4 Earnings: Revenue Down but Profitability RecoversLumbini Bikas Bank Limited (LBBL) closed FY 2024/25 Q4 with Rs. 5.59 billion in revenue and Rs. 379.88 million in net profit, marking a recovery from weak earlier quarters. Although annual earnings remain below last year’s levels, gross margins improved, cost of funds declined, and asset quality stabilized with a lower NPL ratio compared to Q3. With an EPS of Rs. 10.48, a rising book value, and market confidence reflected in higher share price, LBBL shows resilience but still faces the challenge of sustaining revenue growth.Sandeep Chaudhary·23 Aug, 2025
JBLB1 min readJeevan Bikas Laghubitta (JBLB) Reports Strong Q4 Profit Growth with Stable Asset QualityJeevan Bikas Laghubitta (JBLB) delivered an impressive Q4 FY 2024/25 with Rs. 4.05 billion in revenue and Rs. 740 million in net profit, driving EPS to Rs. 48.20 and maintaining strong profitability. Margins improved, cost of funds declined, and provisioning remained robust. While aggressive lending continues to push the credit-to-deposit ratio higher, the company’s strong capital adequacy, controlled NPLs, and widening interest spreads make JBLB a standout performer in Nepal’s microfinance sector.Sandeep Chaudhary·23 Aug, 2025
CKHL1 min readChirkhwa Hydropower Limited (CKHL) Swings to Q4 Loss Despite Strong Revenue GrowthChirkhwa Hydropower Limited (CKHL) delivered Rs. 118.46 million in revenue in Q4 FY 2024/25, nearly a 10x increase YoY, underscoring its operational growth. However, despite strong gross margins (82.7%), the company slipped into a net loss of Rs. 5.43 million, dragging EPS into the negative (-1.36). While the market price of Rs. 662.09 reflects investor optimism, declining book value and negative ROA/ROE suggest financial stress. Sustaining profitability will require tighter cost control and improved financial efficiency.Sandeep Chaudhary·23 Aug, 2025
MLBL1 min readMahalaxmi Bikas Bank Limited (MLBL) Shows Resilient Q4 Performance with Stable MarginsMahalaxmi Bikas Bank Limited (MLBL) closed FY 2024/25 Q4 with Rs. 4.95 billion in revenue and Rs. 506.67 million in net income, maintaining profitability despite revenue contraction. The bank demonstrated stronger gross and net margins, improved capital adequacy, and lower funding costs. Asset quality remained stable with an NPL ratio of 4.86% and provisioning coverage above 100%. With an EPS of Rs. 11.79, a rising book value, and a market price of Rs. 411.67, MLBL continues to showcase resilience in Nepal’s development banking sector, balancing growth with prudence.Sandeep Chaudhary·23 Aug, 2025
HEI1 min readHimalayan Everest Insurance Limited (HEI) Posts Strong Q4 Growth with Stable MarginsHimalayan Everest Insurance (HEI) delivered a 42.5% YoY revenue growth in Q4 FY 2024/25, supported by strong underwriting, robust policy renewals, and higher claims settlement. While net profit (Rs. 532.3 million) declined from last year’s peak of Rs. 667.9 million, margins remain solid at nearly 20%. EPS moderated to Rs. 21.29, while book value improved to Rs. 290.00 per share. HEI’s balance sheet strength, large investment portfolio, and consistent policy renewal growth reinforce its stability, though rising claims indicate operational challenges ahead.Sandeep Chaudhary·23 Aug, 2025