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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 248

2887 posts

ALICL2 min read
Asian Life Insurance Q4 Results: Modest Revenue Growth, Rising Premiums, but Higher Claims Pressure Margins
Asian 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 Chaudhary22 Aug, 2025
GMFIL2 min read
Guheshwori Merchant Bank & Finance Q4 Results: Revenue Declines but Net Profit Improves
Guheshwori 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 Chaudhary22 Aug, 2025
MLBSL2 min read
Mahila Laghubitta Q4 Results: Revenue Declines but Strong Profitability and Asset Quality Improvement
Mahila 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 Chaudhary22 Aug, 2025
OHL2 min read
Oriental Hotels Q4 Results: Revenue Declines, Margins Improve Slightly but Profitability Weakens
Oriental 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 pending
Sandeep Chaudhary22 Aug, 2025
RADHI1 min read
Radhi Bidyut Company Q4 Results: Extraordinary Profit Surge Despite Modest Revenue Growth
Radhi Bidyut Company Ltd. (RADHI) posted Q4 revenue of Rs. 128.93 million (+253.36% YoY), with gross profit of Rs. 90.20 million (69.96% margin). Net income surged to Rs. 379.82 million, lifting profit margin to an extraordinary 294.58%. EPS improved to Rs. 20.65, while ROE jumped to 17.10%. Despite higher operating costs, RADHI delivered one of the strongest earnings performances in the hydropower sector. The stock trades at Rs. 810.24 vs. book value Rs. 136.40, reflecting strong investor optimism. Dividend declaration is pending.
Sandeep Chaudhary22 Aug, 2025
CBBL2 min read
Chhimek Laghubitta Q4 Results: Strong Revenue Growth, Healthy Profit, and Improved Asset Quality
Chhimek Laghubitta (CBBL) delivered Q4 revenue of Rs. 6.12 billion (+3.33% YoY) and net income of Rs. 1.21 billion, raising profit margin to 19.81%. EPS increased to Rs. 37.72, with ROE at 15.58%. Asset quality strengthened as NPL fell to 2.55% and provisioning coverage rose to 149.39%. With shares trading at Rs. 1,035.98 vs. book value Rs. 257.54, investor confidence remains high. Dividend for FY 2024/25 is awaited.
Sandeep Chaudhary22 Aug, 2025
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NICLBSL2 min read
NIC Asia Laghubitta Q4 Results: Revenue Declines, Heavy Losses, and Asset Quality Concerns
NIC Asia Laghubitta (NICLBSL) recorded Q4 revenue of Rs. 1.89 billion (-15.31% YoY) but reported a net loss of Rs. 448.67 million, with margins plunging to -23.74%. EPS fell to -25.79, while ROE deteriorated to -17.18%. Asset quality worsened, with NPLs rising to 16.99% and provisioning coverage low at 47.57%. Despite weak fundamentals, the stock remained valued at Rs. 636.03 in Q3, well above book value of Rs. 121.24. Dividend was not declared.
Sandeep Chaudhary22 Aug, 2025
SIFC2 min read
Shree Investment Finance Q4 Results: Revenue Slows but Profitability Improves
Shree Investment & Finance (SIFC) posted Q4 revenue of Rs. 828.28 million (-24.04% YoY) but improved profitability with net income of Rs. 69.93 million (+4.6% YoY). EPS stood at Rs. 6.99, with ROE stable at 5.07%. Asset quality strengthened as NPL fell to 2.57% and provisioning rose to 107.26%. Despite weaker top-line growth, investor confidence remains strong with shares trading at Rs. 543.54 against book value of Rs. 142.23
Sandeep Chaudhary22 Aug, 2025
NUBL2 min read
Nirdhan Utthan Laghubitta Q4 Results: Strong Income Growth, Lower NPL, and Improved Profitability
Nirdhan Utthan Laghubitta (NUBL) posted Q4 revenue of Rs. 3.56 billion (+5.67% YoY) and net income of Rs. 836.08 million, boosting profit margin to 23.49%. EPS surged to Rs. 32.01, while ROE improved to 15.68%. Asset quality strengthened with NPL ratio down to 8.44% and provisioning up to 126.83%. Despite a tight liquidity position, strong earnings and capital adequacy have reinforced investor confidence, with the stock valued at Rs. 670.54 against book value Rs. 221.22.
Sandeep Chaudhary22 Aug, 2025
RHGCL1 min read
Rapti Hydro and General Construction Limited (RHGCL) Q4 Results: Revenue Stable but Losses Deepen
Rapti Hydro and General Construction Ltd. (RHGCL) posted Q4 revenue of Rs. 100.41 million, slightly down YoY. The company reported a net loss of Rs. -73.74 million, with margins slipping to -73.44%. ROE fell to -11.47%, and EPS stood at -6.38. Despite weak fundamentals, the stock trades at Rs. 344.58 vs. book value Rs. 86.23, showing investor confidence in long-term prospects. Dividend was not declared.
Sandeep Chaudhary22 Aug, 2025

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Primary issues

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All Articles — Page 248

Asian Life Insurance Q4 Results: Modest Revenue Growth, Rising Premiums, but Higher Claims Pressure Margins

Guheshwori Merchant Bank & Finance Q4 Results: Revenue Declines but Net Profit Improves

Mahila Laghubitta Q4 Results: Revenue Declines but Strong Profitability and Asset Quality Improvement

Oriental Hotels Q4 Results: Revenue Declines, Margins Improve Slightly but Profitability Weakens

Radhi Bidyut Company Q4 Results: Extraordinary Profit Surge Despite Modest Revenue Growth

Chhimek Laghubitta Q4 Results: Strong Revenue Growth, Healthy Profit, and Improved Asset Quality

NIC Asia Laghubitta Q4 Results: Revenue Declines, Heavy Losses, and Asset Quality Concerns

Shree Investment Finance Q4 Results: Revenue Slows but Profitability Improves

Nirdhan Utthan Laghubitta Q4 Results: Strong Income Growth, Lower NPL, and Improved Profitability

Rapti Hydro and General Construction Limited (RHGCL) Q4 Results: Revenue Stable but Losses Deepen

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 248

Asian Life Insurance Q4 Results: Modest Revenue Growth, Rising Premiums, but Higher Claims Pressure Margins

Guheshwori Merchant Bank & Finance Q4 Results: Revenue Declines but Net Profit Improves

Mahila Laghubitta Q4 Results: Revenue Declines but Strong Profitability and Asset Quality Improvement

Oriental Hotels Q4 Results: Revenue Declines, Margins Improve Slightly but Profitability Weakens

Radhi Bidyut Company Q4 Results: Extraordinary Profit Surge Despite Modest Revenue Growth

Chhimek Laghubitta Q4 Results: Strong Revenue Growth, Healthy Profit, and Improved Asset Quality

NIC Asia Laghubitta Q4 Results: Revenue Declines, Heavy Losses, and Asset Quality Concerns

Shree Investment Finance Q4 Results: Revenue Slows but Profitability Improves

Nirdhan Utthan Laghubitta Q4 Results: Strong Income Growth, Lower NPL, and Improved Profitability

Rapti Hydro and General Construction Limited (RHGCL) Q4 Results: Revenue Stable but Losses Deepen