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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 251

2887 posts

NABBC3 min read
Narayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market Performance
Narayani Development Bank (NABBC) faced significant financial challenges in Q4 2024/25, with sharp declines in revenue, gross profit, and net income. The increase in NPL ratio and negative profitability metrics like EPS and P/E ratio reflect ongoing struggles in managing its loan portfolio and maintaining profitability. Despite these issues, the increase in market value per share signals continued investor confidence, suggesting optimism for future recovery. The bank will need to address its growing NPLs and improve profitability to ensure long-term stability. However, the strong loan loss provisions and liquidity position provide some cushion against further financial risks.
Sandeep Chaudhary19 Aug, 2025
BFC2 min read
Best Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan Quality
Best Finance Company (BFC) has shown signs of recovery in Q4 2024/25 with improved net income, gross profit margins, and a recovery in EPS. However, the NPL ratio increase and the cost of funds remain areas of concern. Despite these challenges, the company has managed to maintain strong liquidity and capital adequacy, which will provide a buffer against potential risks. The increase in market value per share signals investor optimism for future performance, although BFC will need to address its rising NPLs and work on improving revenue consistency to sustain growth.
Sandeep Chaudhary19 Aug, 2025
MNBBL3 min read
Muktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset Management
Muktinath Bikas Bank (MNBBL) has managed to maintain strong profitability margins and net income growth despite a significant decline in revenue for Q4 2024/25. The bank's gross profit margin and net income indicate effective cost management and robust operational performance, even as revenue declined. The increase in NPL ratio remains a concern, but the bank's high loan loss provision ratio indicates it is well-prepared to manage potential credit risks. The rise in market value per share reflects investor confidence, suggesting that MNBBL is well-positioned to navigate the challenges ahead while capitalizing on future growth opportunities.
Sandeep Chaudhary19 Aug, 2025
SKBBL2 min read
Sana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial Indicators
Sana Kisan Bikas Bank (SKBBL) showed resilience in Q4 2024/25, with strong profitability despite significant declines in revenue. The bank’s ability to manage costs effectively led to healthy gross profit margins and net income growth, maintaining high profitability even as revenue decreased. The increase in NPL ratio was offset by strong provisions, reflecting the bank’s cautious approach to credit risk. The growth in market value per share signals investor confidence, despite the short-term challenges. With effective liquidity management and a strong investment portfolio, SKBBL remains well-positioned for future growth, but it will need to address revenue challenges to ensure continued stability.
Sandeep Chaudhary19 Aug, 2025
RNLI2 min read
Reliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy Decline
Reliable Nepal Life Insurance Limited (RNLI) showed solid revenue and premium growth in Q4 2024/25, although it faced challenges in policy retention and growth in the non-life insurance segment. The company’s ability to maintain strong net income, gross margins, and return on equity demonstrates effective cost management and a healthy financial position. The increase in market value per share and P/E ratio reflects investor confidence, even amid slower earnings growth. Despite the drop in enforced policies, RNLI has continued to demonstrate strong new premium growth and effective investment management, positioning itself for continued stability and growth in the long term.
Sandeep Chaudhary19 Aug, 2025
LICN2 min read
Life Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market Performance
Life Insurance Corporation Nepal (LICN) showed resilience in Q4 2024/25, maintaining stable growth in revenue and strong profitability despite the challenges in the market. While there was a slight dip in the net margin and Earnings Per Share (EPS) compared to the previous year, the company continues to perform solidly, supported by effective cost management and a growing portfolio in both life and non-life insurance sectors. The increase in market value per share reflects investor confidence, although the high P/E ratio indicates high market expectations for future performance.
Sandeep Chaudhary19 Aug, 2025
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HIDCL2 min read
Hydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market Trends
HIDCL faced significant revenue declines in Q4 2024/25 but managed to maintain impressive profit margins and net income. Despite the drop in revenue, the company demonstrated strong gross profit margins and remained highly profitable, with a net income margin of 65.99%. While Return on Assets (ROA) and Return on Equity (ROE) showed slight declines, the company still generates positive returns for shareholders. The rise in market value per share and the Price-to-Earnings (P/E) ratio reflects investor optimism and high future expectations for the company, despite its short-term challenges.
Sandeep Chaudhary19 Aug, 2025
CGH2 min read
Chandragiri Hills Limited (CGH) Q4 2024/25 Financial Review: A Closer Look at Profitability and Market Performance
Chandragiri Hills Limited faced a decline in revenue for Q4 2024/25, but managed to achieve strong profitability through efficient cost management. While net income saw an increase, the company’s profitability margins remained stable, even in the face of a 3.39% drop in revenue. The company’s Return on Assets and Return on Equity also showed some signs of strain, but were still positive, indicating solid performance relative to assets and equity. The market continues to view the company favorably, as reflected in the rise in market value per share and the P/E ratio, despite the decline in earnings. The company’s ability to maintain strong profitability with a decline in revenue is a testament to its operational efficiency and its potential for growth moving forward.
Sandeep Chaudhary19 Aug, 2025
EDBL3 min read
Excel Development Bank (EDBL) Q4 2024/25 Financial Review: Analyzing Performance and Key Metrics
Excel Development Bank (EDBL) showed solid growth in revenue and gross profit in Q4 2024/25. While the bank recorded a positive net income, it still faced challenges with profitability, as reflected in its reduced net income and lower ROE compared to last year. The bank’s loan portfolio showed improvement with a reduced NPL ratio, and the capital adequacy ratio remains strong. The increase in market value per share reflects investor optimism, but the high P/E ratio suggests that the market may be factoring in future growth expectations. The bank’s strong capital position and healthy credit ratios provide some comfort, but its profitability challenges indicate areas for continued focus in the coming quarters.
Sandeep Chaudhary19 Aug, 2025
JOSHI2 min read
Joshi Hydropower Development Company Ltd (JOSHI) Q4 2024/25 Financial Review: Analyzing Performance Amidst Challenges
Joshi Hydropower Development Company Ltd continues to face significant financial challenges in Q4 2024/25. Despite strong revenue growth, the company remains in a loss-making situation with deteriorating margins, negative returns, and a negative EPS. The increase in market value per share despite these financial struggles suggests speculative optimism in the market. Investors will need to carefully monitor the company’s future performance to see whether it can overcome these operational inefficiencies and return to profitability.
Sandeep Chaudhary19 Aug, 2025

NEPSEtrading

Primary issues

Income & debt

Live market

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NEPSE Trading Network

Insights & Analysis

All Articles — Page 251

Narayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market Performance

Best Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan Quality

Muktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset Management

Sana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial Indicators

Reliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy Decline

Life Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market Performance

Hydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market Trends

Chandragiri Hills Limited (CGH) Q4 2024/25 Financial Review: A Closer Look at Profitability and Market Performance

Excel Development Bank (EDBL) Q4 2024/25 Financial Review: Analyzing Performance and Key Metrics

Joshi Hydropower Development Company Ltd (JOSHI) Q4 2024/25 Financial Review: Analyzing Performance Amidst Challenges

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 251

Narayani Development Bank (NABBC) Q4 2024/25 Financial Review: Analyzing Profitability, Asset Quality, and Market Performance

Best Finance Company (BFC) Q4 2024/25 Financial Review: Analyzing Profit Margins, Revenue Recovery, and Loan Quality

Muktinath Bikas Bank (MNBBL) Q4 2024/25 Financial Review: Navigating Declining Revenue with Strong Profit Margins and Asset Management

Sana Kisan Bikas Bank (SKBBL) Q4 2024/25 Financial Review: Examining Performance Amid Declining Revenue and Strong Financial Indicators

Reliable Nepal Life Insurance Limited (RNLI) Q4 2024/25 Financial Review: Analyzing Performance Amid Strong Premium Growth and Policy Decline

Life Insurance Corporation Nepal (LICN) Q4 2024/25 Financial Review: Examining Profitability, Premium Growth, and Market Performance

Hydroelectricity Investment and Development Company (HIDCL) Q4 2024/25 Financial Review: Analyzing Profit Margins and Market Trends

Chandragiri Hills Limited (CGH) Q4 2024/25 Financial Review: A Closer Look at Profitability and Market Performance

Excel Development Bank (EDBL) Q4 2024/25 Financial Review: Analyzing Performance and Key Metrics

Joshi Hydropower Development Company Ltd (JOSHI) Q4 2024/25 Financial Review: Analyzing Performance Amidst Challenges