LIVE RATE BOARD
NEPSE:2,599.93+4.12 (+0.15%)
USD/NPR:रु. 151.42 / 152.02
91D T-Bill:1.0093%-0.34
CD Ratio:70.79%(Max 90%)
Interbank:2.75%
Total Deposits:रु. 8515 अर्ब
ANL

ANLB

MicrofinanceActiveQuant Score: 47/100

Aatmanirbhar Laghubitta Bittiya Sanstha Limited

LTP Date:2026-10-13Financial Report:082/083 (Q4)
Last Traded Price
रु. 4,774.00
24h Change
-45.00 (-0.93%)

Artha Quant Score & Rating

Neutral / HoldComposite Rank
47/ 100
Overall Composite ScoreWeighted synthesis of fundamentals, balance sheet & momentum
4-Pillar Score BreakdownBenchmark /100
Valuation & Multiples20 / 100
P/E at 68.4x, P/B 13.2x
Profitability & Operations98 / 100
Annualized ROE 19.3%, EPS Rs 69.8
Asset Quality & Solvency35 / 100
NPL ratio 10.78%, CD Safe
Momentum & Market Trend48 / 100
24h move -0.93%

About Artha Quant Score: Scores are algorithmically synthesized from NEPSE quarterly filings (P/E, ROE, P/B ratios), sector-specific operational metrics, balance sheet cushion, and price momentum. Intended for research and educational benchmarking, not financial advice.

Valuation & Key Ratios

Fundamental Dossier
Market CapRs 3.74 B
Traded: 2026-10-13
P/E Ratio68.38x
FY 082/083 (Q4)
P/B Ratio13.17x
FY 082/083 (Q4)
Reported EPSरु. 69.82
FY 082/083 (Q4) (Ann.)
Book Value (BVPS)रु. 362.38
FY 082/083 (Q4) Audit
Graham Numberरु. 754.51
FY 082/083 (Q4) Model
PEG Ratio1.74x
Growth: +39.56% (YoY)
DPS / Div Yield1.46% (रु. 69.8)
FY 081/082 Declared
Promoter Holding: 67.37%Public Float: 32.63%

Regulatory Solvency, Asset Quality & Efficiency

082/083 (Q4)
CAR (Capital Fund)15.73%Min 11%
NPL Ratio10.78%Watch < 5%
Cost of Funds8.45%Avg Deposit Cost
Return on Equity19.27%Equity Return
Return on Assets2.86%Asset Return
Balance Sheet & Profitability Highlights
Deposits:Rs 1.13 B
Loans:Rs 1.88 B
Net Profit:Rs 6.24 Cr
Reserves:Rs 23.49 Cr
Paid-up Capital:Rs 8.95 Cr
ANLB Interactive Price Trajectory
रु. 4,774.00-181.00 (-3.65%)2026-10-13
Period Highरु. 4955.00
Period Lowरु. 4774.00
Trading Sessions5
Hovered Volume255
47744819486549104955
2026-09-28 (Start)2026-10-13 (Latest)

Financial Intelligence & Key Takeaways

Elevated Multiple: P/E 68.38x (Premium Risk)

Commanding a steep 68.38x earnings multiple, current pricing prices in aggressive expansion, leaving little margin for earnings misses.

Priced Above Graham Value (Rs 754.51)

Stock price trades well above Graham's tangible value (Rs 754.51), relying heavily on anticipated growth rather than asset backing.

Elevated NPL: 10.78% (Credit Stress Alert)

Non-performing loans stand elevated at 10.78%, creating heavy impairment provisioning charges that erode bottom-line profitability.

Superior Capital Efficiency: ROE 19.27%

The business generated an annualized return on equity (ROE) of 19.27%, reflecting exceptional capital discipline, moat strength, and high compounding quality.

ANLB Related News & Market Dispatches

3 Dispatches
बैंकिङ र वित्तीयOct 15

निजी क्षेत्रमा कर्जा प्रवाह बढ्दै, बैंकमा निक्षेप ८३ खर्ब ५० अर्ब

काठमाडौँ । चालु आर्थिक वर्ष २०८३/०८४ को २ महिनासम्ममा बैंक तथा वित्तीय संस्थाहरूबाट निजी क्षेत्रमा प्रवाहित कर्जा १.६ प्रतिशत (९३ अर्ब ५२ करोड) ले वृद्धि भई ५९ खर्ब ५० अर्ब ५८ करोड पुगेको छ । नेपाल राष्ट्र बैंकले सार्वजनिक गरेको भदौसम्मको आर्थिक तथा वित्तीय अवस्थासम्बन्धी प्रतिवेदन अनुसार यस्तो देखिएको हो । गत वर्षको सोहीअवधिमा यस्तो [&hellip;]

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प्रमुख समाचारOct 14

ऊर्जा क्षेत्रमा निजी लगानी भित्र्याउने तयारी, निजी क्षेत्रलाई एलओआई दिइने

काठमाडौं । ऊर्जा, जलस्रोत तथा सिँचाइ मन्त्री विराज भक्त श्रेष्ठले विद्युत् व्यापारमा निजी क्षेत्रलाई प्रवेश गराउन आवश्यक नीतिगत व्यवस्था अन्तिम चरणमा पुगेको बताएका छन् । उनले निजी क्षेत्रलाई आशयपत्र (एलओआई) दिने तयारी भइरहेको जानकारी दिएका छन् । बुधबार मन्त्रालयमा आयोजित पछिल्लो ६ महिनाको कार्यप्रगति समीक्षा गर्दै मन्त्री श्रेष्ठले ऊर्जा क्षेत्रलाई मुलुकको आर्थिक विकासको आधार बनाउने [&hellip;]

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पुँजी बजारOct 14

विन्ध्यावासिनी हाइड्रोपावरलाई नेप्सेको झट्का, तीन दिनभित्र स्पष्टीकरण माग

काठमाडौं । नेपाल स्टक एक्सचेन्ज ९नेप्से० ले मूल्य संवेदनशील सूचना ढिलो गरी उपलब्ध गराएको भन्दै विन्ध्यावासिनी हाइड्रोपावर डेभलपमेन्ट कम्पनी लिमिटेडको शेयर कारोबार स्थगित गरेको छ। नेप्सेले कम्पनीलाई तीन कार्यदिनभित्र स्पष्टीकरण पेस गर्न निर्देशनसमेत दिएको छ। नेप्सेका अनुसार कम्पनीको सञ्चालक समितिको बैठक गत असोज २६ गते दिउँसो ३ः३० बजे बसेको थियो। बैठकले वार्षिक साधारणसभा बोलाउने, बुक [&hellip;]

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Quarterly Reports & Disclosures

14 Reports
FYQuarterNet ProfitEPSBook ValueCD RatioNPLP/E
082/083q4Rs 6.24 Cr69.82362.38-10.78%68.9x
082/083q3Rs 4.85 Cr61.87423.26-11.17%77.7x
082/083q2Rs 3.05 Cr38.95389.90-11.81%123.5x
082/083q1Rs 1.15 Cr58.52405.31-12.83%82.2x
081/082q4Rs 4.47 Cr57.07384.82-12.8%84.3x
081/082q3Rs 2.15 Cr36.53355.30-15.08%131.7x
081/082q28,431,01021.52340.47-15.09%223.5x
081/082q1-4,353,450-22.20382.22-14.43%-216.6x
080/081q4Rs 1.40 Cr20.08385.68-13.22%239.5x
080/081q3Rs 1.27 Cr24.71388.86-11.94%194.6x
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Corporate Profile

Symbol:ANLB
Sector:Microfinance
Listed Shares:-
Registrar:BOK Capital Market Limited
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Banking Liquidity Tracker
As of 2026-10-11
CD Ratio
70.79%(+19.21% Headroom)
0%NRB Limit: 90%
Total Deposits
रु. 8,515 अर्ब
Commercial: Rs 7701B
Total Credit
रु. 6,077 अर्ब
Commercial: Rs 5401B
Interbank Daily Rate2.75%
As of: 2026-10-11NRB Source
Market & Rates Board
Full Market →
NEPSE Index
2,528.16-0.76%
Banking CD Ratio
71.28%(<90%)
Interbank Rate
2.75%
USD / NPR (Buy)
रु. 134.82
91D T-Bill
3.14%
Source: NRB / NEPSELIVE / 24H