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The NEPSE Journal

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Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

All Articles — Page 244

2887 posts

CFCL1 min read
Central Finance (CFCL) Returns to Profit in Q4 with Improved Margins but Rising NPL Risk
Central Finance Limited (CFCL) ended FY 2024/25 Q4 with Rs. 696.92 million revenue and Rs. 89.15 million net profit, marking a significant turnaround from losses in the previous year. Profit margins improved, EPS rose, and cost of funds declined, strengthening its financial footing. However, the sharp rise in NPLs (14.18%) and weaker provisioning coverage raise concerns over asset quality. With strong liquidity and stable spreads, CFCL remains resilient, but tighter credit risk management will be crucial for sustainable growth.
Sandeep Chaudhary23 Aug, 2025
IGI1 min read
IGI Prudential Insurance Limited Posts Moderate Profit Amid Revenue Decline
IGI Prudential Insurance Limited closed Q4 FY 2024/25 with Rs. 2.10 billion revenue and Rs. 364.97 million net income, reflecting a decline in both top-line and bottom-line compared to last year. EPS and book value also fell, while margins narrowed. However, the company strengthened its policy renewal base (+21.4%), reduced outstanding claims (-27.6%), and maintained a robust investment portfolio. Despite earnings pressure, IGI’s stable market value and strong liquidity position underline its resilience in Nepal’s competitive non-life insurance sector.
Sandeep Chaudhary23 Aug, 2025
FOWAD1 min read
Forward Community Microfinance (FOWAD) Shows Weak Profitability Despite Strong Capital Coverage
Forward Community Microfinance (FOWAD) ended FY 2024/25 Q4 with revenue of Rs. 2.62 billion but a weak profit of just Rs. 65 million, down nearly 80% year-over-year. Margins tightened, EPS fell sharply, and dividend distribution was halted, pointing to financial stress. On the positive side, the institution maintained a strong loan loss provisioning ratio of 147.83% and stable capital adequacy. However, elevated NPLs, high credit-to-deposit ratio, and thin liquidity remain key concerns. Despite weak fundamentals, FOWAD’s high market price suggests investor optimism, though sustainability will depend on improved credit quality and earnings recovery.
Sandeep Chaudhary23 Aug, 2025
DDBL1 min read
Deprosc Laghubitta (DDBL) Reports Strong Profit Growth Despite Rising NPL Pressure
Deprosc Laghubitta (DDBL) closed Q4 FY 2024/25 with Rs. 3.49 billion revenue and Rs. 691 million net profit, delivering EPS of Rs. 36.99 and maintaining strong investor confidence. While margins improved and spreads widened, the company faces significant risks from a sharp jump in NPLs (7.73%) and weak provisioning coverage. With a strong capital base and consistent profitability, DDBL remains a leading microfinance institution in Nepal, though tighter credit risk management will be key to sustaining growth.
Sandeep Chaudhary23 Aug, 2025
CORBL1 min read
Corporate Development Bank Faces Q4 Loss Despite Strong Market Valuation
Corporate Development Bank (CORBL) ended Q4 FY 2024/25 with Rs. 197.71 million revenue but a net loss of Rs. 16.38 million, dragged down by a sharp surge in NPLs (12.36%) and shrinking margins. EPS fell into negative territory, though the market value of its stock skyrocketed to over Rs. 2,476 per share, suggesting speculative trading disconnected from fundamentals. While liquidity remains strong and capital adequacy healthy, the bank faces significant challenges in asset quality and profitability
Sandeep Chaudhary23 Aug, 2025
MPFL1 min read
Multipurpose Finance Limited Q4 Reports Stable Growth with Improving Asset Quality
Multipurpose Finance Limited (MPFL) reported Rs. 263.97 million in revenue and Rs. 23.32 million in net income in Q4 FY 2024/25, showing steady growth despite narrowing profit margins. Key improvements included higher loan loss provision coverage and lower funding costs, although capital adequacy and NPL levels remain areas of concern. With a stronger book value and rising market price, MPFL continues to maintain resilience in Nepal’s financial sector, balancing profitability with prudent risk management.
Sandeep Chaudhary23 Aug, 2025
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PMLI2 min read
Prabhu Mahalaxmi Life Insurance Limited Q4 Reports Strong Premium Growth and Steady Profits
Prabhu Mahalaxmi Life Insurance (PMLI) closed FY 2024/25 Q4 on a strong note, achieving Rs. 6.55 billion in revenue and Rs. 370 million in net income. The insurer demonstrated solid growth in first-year and single premium income, alongside a nearly 48% increase in enforced policies. However, margins remained thin, EPS dipped, and outstanding claims rose significantly, pointing to areas requiring attention. With a resilient investment base and expanding customer reach, PMLI remains a growing player in Nepal’s life insurance industry, balancing aggressive growth with operational risks.
Sandeep Chaudhary23 Aug, 2025
CLI1 min read
Citizen Life Insurance Q4 Reports Strong Growth in Premium Income and Steady Profitability
Citizen Life Insurance (CLI) posted strong top-line growth in FY 2024/25 Q4, with revenues crossing Rs. 9.19 billion and net income reaching Rs. 425 million. Premium income—particularly first-year and single premiums—showed impressive growth, underscoring customer acquisition strength. However, a decline in enforced policies and rising outstanding claims highlight emerging risks. With a strong investment portfolio and improved profitability, CLI remains a resilient player in Nepal’s insurance sector, balancing growth with operational challenges.
Sandeep Chaudhary23 Aug, 2025
TRH1 min read
Taragaon Regency Hotel Posts Strong Q4 Earnings with Improved Margins
Taragaon Regency Hotel Limited (TRH) has delivered a steady financial performance in FY 2024/25 Q4. Despite a year-over-year dip in revenue, profitability indicators remained strong, with net income crossing Rs. 515 million and margins showing resilience. EPS remained nearly unchanged, while book value and share price rose significantly. With a healthy dividend declaration, TRH continues to demonstrate stable operations and shareholder-friendly policies, maintaining its position as one of Nepal’s leading hospitality sector companies.
Sandeep Chaudhary23 Aug, 2025
Top1 min read
India and China Dominate Nepal’s Imports in First Month of FY 2082/83
India and China Dominate Nepal’s Imports in First Month of FY 2082/83 Kathmandu – Nepal’s import data for the first month of FY 2082/83 (Mid-July to Mid-August 2025) shows a clear dominance of India and China, with the two neighbors together accounting for more than two-thirds of the country’s imports. According to the Department of Customs, Nepal imported goods worth over Rs. 1.43 trillion during this period. India remained Nepal’s largest supplier, with imports valued at Rs. 83.54 billion, representing about 58.4% of the total imports. China followed in second place with imports worth Rs. 27.99 billion, further highlighting Nepal’s dependence on these two countries for manufactured goods, petroleum, electronics, and industrial products.
Dipesh Ghimire23 Aug, 2025

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Primary issues

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Insights & Analysis

All Articles — Page 244

Central Finance (CFCL) Returns to Profit in Q4 with Improved Margins but Rising NPL Risk

IGI Prudential Insurance Limited Posts Moderate Profit Amid Revenue Decline

Forward Community Microfinance (FOWAD) Shows Weak Profitability Despite Strong Capital Coverage

Deprosc Laghubitta (DDBL) Reports Strong Profit Growth Despite Rising NPL Pressure

Corporate Development Bank Faces Q4 Loss Despite Strong Market Valuation

Multipurpose Finance Limited Q4 Reports Stable Growth with Improving Asset Quality

Prabhu Mahalaxmi Life Insurance Limited Q4 Reports Strong Premium Growth and Steady Profits

Citizen Life Insurance Q4 Reports Strong Growth in Premium Income and Steady Profitability

Taragaon Regency Hotel Posts Strong Q4 Earnings with Improved Margins

India and China Dominate Nepal’s Imports in First Month of FY 2082/83

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 244

Central Finance (CFCL) Returns to Profit in Q4 with Improved Margins but Rising NPL Risk

IGI Prudential Insurance Limited Posts Moderate Profit Amid Revenue Decline

Forward Community Microfinance (FOWAD) Shows Weak Profitability Despite Strong Capital Coverage

Deprosc Laghubitta (DDBL) Reports Strong Profit Growth Despite Rising NPL Pressure

Corporate Development Bank Faces Q4 Loss Despite Strong Market Valuation

Multipurpose Finance Limited Q4 Reports Stable Growth with Improving Asset Quality

Prabhu Mahalaxmi Life Insurance Limited Q4 Reports Strong Premium Growth and Steady Profits

Citizen Life Insurance Q4 Reports Strong Growth in Premium Income and Steady Profitability

Taragaon Regency Hotel Posts Strong Q4 Earnings with Improved Margins

India and China Dominate Nepal’s Imports in First Month of FY 2082/83