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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 246

2887 posts

NESDO1 min read
NESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue Base
NESDO 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 year
Sandeep Chaudhary22 Aug, 2025
CITY1 min read
City Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue Base
City 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 Chaudhary22 Aug, 2025
SCB1 min read
Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip
Standard 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 Chaudhary22 Aug, 2025
PCBL1 min read
Prime Commercial Bank Q4 Results: Strong Profitability Despite Revenue Slowdown
Prime 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 Chaudhary22 Aug, 2025
NICA1 min read
NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base
NIC Asia Bank (NICA) reported Q4 FY 2024/25 revenue of Rs. 28.81 billion (-29.12% YoY) and net income of just Rs. 161.57 million, down sharply from Rs. 1.38 billion a year earlier. Margins remained thin with net profit margin at 0.56%. ROE dropped to 0.54% and EPS to Rs. 1.08, reflecting weak earnings. Asset quality worsened as NPLs rose to 6.28%, though capital adequacy improved to 14%. Market value per share closed at Rs. 420.05.
Sandeep Chaudhary22 Aug, 2025
NIMB1 min read
Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline
Nepal Investment Bank (NIMB) reported Q4 revenue of Rs. 36.10 billion (-11.22% YoY) but net income surged 29.9% to Rs. 6.75 billion, with margins strengthening to 18.72%. ROE stood at 10.57% and EPS at Rs. 19.80, reflecting robust profitability. NPL ratio inched up to 5.85%, but loan-loss coverage improved to 108.87%. Lower cost of funds and strong liquidity supported earnings. Market value per share rose to Rs. 231.02, highlighting investor confidence.
Sandeep Chaudhary22 Aug, 2025
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NLIC2 min read
Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims
Nepal Life Insurance (NLIC) recorded Q4 revenue of Rs. 68.37 billion (+25.80% YoY) and net income of Rs. 603.26 million (+17.4% YoY). While profitability margins remain thin (net margin 0.88%), the company’s premium base expanded strongly with first-year premiums up 36.89% and renewal premiums up 13.38%. EPS stood at Rs. 6.68, while ROE was stable at 5.14%. Claims paid declined 25.29%, but outstanding claims rose 9.35%. With long-term investments crossing Rs. 206.91 billion, NLIC remains the market leader, though profitability challenges persist.
Sandeep Chaudhary22 Aug, 2025
NLICL2 min read
National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure
National Life Insurance (NLICL) posted Q4 revenue of Rs. 28.60 billion (+13.60% YoY) with net income of Rs. 412.84 million (+1.6% YoY). Margins remain thin, with net margin at 1.44%. EPS slipped to Rs. 7.54 vs. Rs. 8.11 last year, while ROE stood at 5.84%. Policy count dropped 4.91%, but premiums (first year, renewal, and single) showed strong growth. Claims paid rose 16.17% YoY, and outstanding claims increased 19.21%. Despite modest profits, market value (Rs. 623.58) remains well above book value (Rs. 129.72). Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025
SICL2 min read
Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims
Shikhar Insurance (SICL) reported Q4 revenue of Rs. 2.71 billion (+12.93% YoY) with net income of Rs. 452.72 million (-11.75% YoY). Margins narrowed, with net margin at 16.73% vs. 20.13% last year. EPS dropped to Rs. 15.49 from Rs. 19.33, while ROE eased to 8.04%. Policy renewals grew by 11.94%, though new policies contracted slightly. Claims paid fell by 13.66%, but outstanding claims rose 7.72%. Market value (Rs. 773.54) remains well above book value (Rs. 335.50), reflecting investor optimism despite weaker profitability. Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025
SNLI2 min read
Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease
Sun Nepal Life Insurance (SNLI) posted Q4 revenue of Rs. 5.35 billion (+3.72% YoY) with net income of Rs. 542.48 million (-5.65% YoY). Margins narrowed, with net profit margin at 10.14%. EPS stood at Rs. 10.83 vs. Rs. 14.51 last year. Policy count surged 37.54% YoY, while first-year premiums more than tripled. Despite rising claims and pending obligations, SNLI remains financially strong, with market value (Rs. 490.64) significantly above book value (Rs. 154.35). Dividend is pending.
Sandeep Chaudhary22 Aug, 2025

NEPSEtrading

Primary issues

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Insights & Analysis

All Articles — Page 246

NESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue Base

City Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue Base

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip

Prime Commercial Bank Q4 Results: Strong Profitability Despite Revenue Slowdown

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline

Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims

National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure

Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims

Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 246

NESDO Laghubitta Q4: Heavy NPL Pressure Drags Earnings into Red Despite Strong Revenue Base

City Hotel Limited Q4: Heavy Losses Persist Despite Strong Revenue Base

Standard Chartered Nepal Q4 Results: Stable Profitability Despite Revenue Dip

Prime Commercial Bank Q4 Results: Strong Profitability Despite Revenue Slowdown

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline

Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims

National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure

Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims

Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease