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Enhanced NpStocks Analysis Report

Date: 2026-08-28  |  Total Stocks Analyzed: 263  |  Pick Engine: Gen-3 Ranked Multi-Factor

Market Overview

Median P/E Ratio
43.94
Median ROE
7.57%
Stocks Up YTD
61/263
Median Debt Ratio
76.0%
Median Profit Margin
14.1%
Median Beta
1.11

Top Picks - Composite Scoring

Cross-sectional percentile ranking across 6 quantitative pillars: Quality (30%: ROE & net margin), Value (20%: earnings & book yield), Low Risk (20%: inverse beta & volatility), Reversal (15%: 12w oversold mean-reversion), Growth (10%: earnings trajectory), and Liquidity (5%). Typical Price is the session HLC/3 benchmark; negative Close vs Typical % indicates entry below the session average.

Company Sector Latest Close Typical Price Close vs Typical % Quality (30%) Value (20%) Low Risk (20%) Reversal (15%) Growth (10%) Composite Score Why
Forward Community Microfinance Bittiya Sanstha Ltd. Microfinance Rs 878.00 Rs 871.00 +0.80% 94% 100% 94% 91% 94% 0.91Tier 1 Quality 94% · Value 100% · Low Risk 94%
Himalayan Everest Insurance Limited Insurance Rs 489.90 Rs 488.30 +0.33% 72% 94% 78% 83% 89% 0.81Tier 1 Quality 72% · Value 94% · Low Risk 78%
Jeevan Bikas Laghubitta Bittya Sanstha Ltd Microfinance Rs 1,249.20 Rs 1,244.26 +0.40% 94% 90% 91% 33% 71% 0.79Tier 2 Quality 94% · Low Risk 91% · Value 90%
Deprosc Laghubitta Microfinance Rs 835.00 Rs 825.00 +1.21% 88% 98% 98% 19% 47% 0.75Tier 2 Quality 88% · Value 98% · Low Risk 98%
Api Power Hydropower Rs 325.90 Rs 324.96 +0.29% 89% 99% 55% 52% 48% 0.75Tier 2 Quality 89% · Value 99% · Low Risk 55%
Sagarmatha Lumbini Insurance Co. Limited Insurance Rs 553.00 Rs 556.00 -0.54% 53% 84% 97% 78% 82% 0.74Tier 2 Low Risk 97% · Value 84% · Quality 53%
Infinity Laghubitta Bittiya Sanstha Limited Microfinance Rs 838.00 Rs 832.67 +0.64% 93% 70% 70% 63% 83% 0.74Tier 2 Quality 93% · Value 70% · Low Risk 70%
Global IME Laghubitta Bittiya Sanstha Microfinance Rs 1,089.50 Rs 1,075.20 +1.33% 98% 94% 59% 35% 75% 0.74Tier 2 Quality 98% · Value 94% · Low Risk 59%
Mountain Energy Nepal Limited Hydropower Rs 618.00 Rs 615.33 +0.43% 95% 85% 78% 11% 54% 0.73Tier 2 Quality 95% · Value 85% · Low Risk 78%
Chilime Hydropower Hydropower Rs 405.00 Rs 397.43 +1.90% 66% 52% 85% 92% 61% 0.72Tier 2 Quality 66% · Low Risk 85% · Reversal 92%
Kalika Laghubitta Bittiya Sanstha Microfinance Rs 774.60 Rs 770.87 +0.48% 87% 71% 51% 71% 99% 0.72Tier 2 Quality 87% · Value 71% · Reversal 71%
Vijaya Laghubitta Bittiya Sanstha Microfinance Rs 620.00 Rs 619.57 +0.07% 68% 86% 54% 81% 100% 0.71Tier 2 Quality 68% · Value 86% · Reversal 81%
Gurkhas Finance Ltd. Finance Rs 494.00 Rs 503.00 -1.79% 90% 99% 14% 76% 69% 0.71Tier 2 Quality 90% · Value 99% · Reversal 76%
Prabhu Insurance Insurance Rs 599.60 Rs 592.90 +1.13% 68% 81% 81% 88% 20% 0.71Tier 2 Quality 68% · Value 81% · Low Risk 81%
Matribhumi Lagubitta Bittiya Sanstha Limited Microfinance Rs 760.00 Rs 763.87 -0.51% 87% 78% 27% 88% 94% 0.70Tier 2 Quality 87% · Value 78% · Reversal 88%
National Microfinance Bittiya Sanstha Ltd. Microfinance Rs 1,105.20 Rs 1,101.57 +0.33% 79% 92% 80% 28% 55% 0.70Tier 3 Quality 79% · Value 92% · Low Risk 80%
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 Rs 1,596.87 +0.95% 100% 96% 25% 1% 98% 0.69Tier 3 Quality 100% · Value 96% · Growth 98%
Kumari Bank Banking Rs 212.00 Rs 211.03 +0.46% 84% 97% 40% 23% 74% 0.68Tier 3 Quality 84% · Value 97% · Low Risk 40%
Nadep Laghubitta Bittiya Sanstha Ltd. Microfinance Rs 714.00 Rs 704.33 +1.37% 80% 89% 48% 47% 81% 0.67Tier 3 Quality 80% · Value 89% · Low Risk 48%
Neco Insurance Insurance Rs 549.90 Rs 543.97 +1.09% 45% 56% 96% 90% 73% 0.67Tier 3 Low Risk 96% · Quality 45% · Reversal 90%
Mountain Hydro Nepal Limited Hydropower Rs 238.80 Rs 234.97 +1.63% 88% 96% 4% 67% 80% 0.66Tier 3 Quality 88% · Value 96% · Reversal 67%
CEDB Holdings Limited Manufacturing & Corporate Rs 2,183.00 Rs 2,174.40 +0.40% 97% 53% 68% 30% 35% 0.66Tier 3 Quality 97% · Low Risk 68% · Value 53%
Sampada Laghubitta Bittiya Sanstha Limited Microfinance Rs 740.00 Rs 732.37 +1.04% 65% 79% 58% 73% 71% 0.65Tier 3 Quality 65% · Value 79% · Low Risk 58%
Bottlers Nepal (Terai) Manufacturing & Corporate Rs 11,550.10 Rs 11,536.73 +0.12% 73% 95% 67% 17% 83% 0.65Tier 3 Quality 73% · Value 95% · Low Risk 67%

Stocks to Avoid (active exclusion list)

Money-losers (ROE & margin < 0), over-leveraged (Debt > 70% for non-financials), or absurdly expensive (PE > 100 with ROE < 5%) — stay away. Financial sectors are exempt from the debt rule (deposits are intrinsic to their business model).

Company Sector Latest Close ROE (TTM) % Net Profit Margin TTM % PE (TTM) Debt to Asset Risk Flags
Janaki Finance Finance Rs 384.80 -57.31% 2.63% 284.35 100.14% High PE
Narayani Development Bank Banking Rs 751.20 -45.49% -235.15% -73.31 80.00% Negative Earnings | Negative Margin
Nepal Reinsurance Company Limited Insurance Rs 851.00 -33.31% -48.58% -21.34 62.93% Negative Earnings | Negative Margin
Rasuwagadhi Hydropower Company Limited Hydropower Rs 188.00 -28.24% -114.15% -8.90 102.53% High Debt | Negative Earnings | Negative Margin
Taragaon Regency Hotel Manufacturing & Corporate Rs 818.00 -24.46% -169.57% -22.74 35.33% Negative Earnings | Negative Margin
Asian Hydropower Limited Hydropower Rs 390.00 -22.08% -72.65% -22.40 103.69% High Debt | Negative Earnings | Negative Margin
Himalayan Reinsurance Limited Insurance Rs 537.40 -14.69% -33.35% -25.00 51.84% Negative Earnings | Negative Margin
Joshi Hydropower Development Company Ltd Hydropower Rs 259.80 -11.37% -452.48% -39.75 11.18% Negative Earnings | Negative Margin
Shiva Shree Hydropower Ltd Hydropower Rs 194.00 -10.64% -31.75% -48.09 75.36% Negative Earnings | Negative Margin
Three Star Hydropower Limited Hydropower Rs 338.00 -9.76% -23.20% -52.81 95.14% High Debt | Negative Earnings | Negative Margin
Karnali Development Bank Banking Rs 810.00 -9.61% -11.10% -82.84 91.47% Negative Earnings | Negative Margin
Trishuli Jal Vidhyut Company Limited Hydropower Rs 354.00 -9.21% 0.00% -48.11 105.95% High Debt | Negative Earnings
Nepal Finance Finance Rs 536.90 -7.20% -20.63% -60.01 83.09% Negative Earnings | High Volatility | Negative Margin
City Hotel Limited Manufacturing & Corporate Rs 347.00 -6.96% -38.43% -60.41 48.38% Negative Earnings | Negative Margin
Sanvi Energy Limited Hydropower Rs 579.00 -6.95% -54.11% -75.03 73.95% Negative Earnings | High Volatility | Negative Margin
Nepal Warehousing Company Limited Manufacturing & Corporate Rs 603.00 -6.80% -14.16% -92.26 0.00% Negative Earnings | Negative Margin
Sagar Distillery Limited Manufacturing & Corporate Rs 1,522.00 -6.38% -27.51% -192.94 43.38% Negative Earnings | High Volatility | Negative Margin
Om Megashree Pharmaceuticals Limited Manufacturing & Corporate Rs 872.00 -6.32% -17.84% -138.57 61.70% Negative Earnings | High Volatility | Negative Margin
Ingwa Hydropower Limited Hydropower Rs 300.00 -5.47% -12.30% -57.29 84.77% High Debt | Negative Earnings | Negative Margin
Modi Energy Limited Hydropower Rs 201.90 -4.67% -17.11% -72.92 76.01% Negative Earnings | Negative Margin
Himal Dolakha Hydropower Company Limited Hydropower Rs 202.00 -4.53% -136.81% -59.40 19.91% Negative Earnings | Negative Margin
Khanikhola Hydropower Co. Ltd. Hydropower Rs 269.00 -3.97% -27.63% -89.44 46.30% Negative Earnings | Negative Margin
Nepal Republic Media Limited Manufacturing & Corporate Rs 288.50 -3.66% -27.03% -90.86 29.82% Negative Earnings | Negative Margin
Ghorahi Cement Industry Limited Manufacturing & Corporate Rs 370.00 -3.64% -6.45% -60.34 61.09% Negative Earnings
Bhugol Energy Development Company Limited Hydropower Rs 289.00 -3.52% -14.78% -170.39 73.34% Negative Earnings | Negative Margin
NRN Infrastructure and Development Limited Manufacturing & Corporate Rs 1,349.50 -2.49% -159.76% -312.34 8.62% Negative Earnings | High Volatility | Negative Margin
Peoples Power Limited Hydropower Rs 308.00 -2.38% -24.21% -134.29 0.14% Negative Earnings | Negative Margin
Rapti Hydro And General Construction Limited Hydropower Rs 249.00 -2.34% -31.46% -115.51 35.53% Negative Earnings | Negative Margin
Ghalemdi Hydro Limited Hydropower Rs 226.90 -1.39% -15.98% -171.13 31.59% Negative Earnings | Negative Margin
Oriental Hotels Manufacturing & Corporate Rs 620.00 -1.22% -4.73% -154.78 36.43% Negative Earnings
National Hydro Power Hydropower Rs 254.60 -0.96% -16.70% -273.95 38.08% Negative Earnings | High Volatility | Negative Margin
Prabhu Bank Banking Rs 178.60 -0.68% -1.10% -174.29 91.95% Negative Earnings
Barahi Hydropower Public Limited Hydropower Rs 458.00 -0.58% -2.63% -500.00 78.67% Negative Earnings
Him Star Urja Company Limited Hydropower Rs 659.90 0.00% -76.56% -22.21 101.73% High Debt | Negative Earnings | High Volatility | Negative Margin
Upper Lohore Khola Hydropower Company Limited Hydropower Rs 301.00 0.00% -41.56% -52.88 72.82% Negative Earnings | Negative Margin
Daramkhola Hydro Energy Limited Hydropower Rs 564.00 0.00% -89.33% -57.08 63.06% Negative Earnings | Negative Margin
Mabilung Energy Limited Hydropower Rs 567.30 0.00% -5.31% -488.00 71.94% Negative Earnings | High Volatility
Bandipur Cablecar and Tourism Limited Manufacturing & Corporate Rs 657.00 0.00% -66.07% -335.95 33.33% Negative Earnings | High Volatility | Negative Margin
Bungal Hydro Limited Hydropower Rs 542.90 0.00% -11.28% -141.39 85.28% High Debt | Negative Earnings | High Volatility | Negative Margin
Jhapa Energy Limited Hydropower Rs 1,013.00 0.00% 14.00% 262.76 57.15% High PE | High Volatility
IGI Prudential insurance Limited Insurance Rs 392.90 0.13% 0.18% 500.00 62.28% High PE
Sindhu Bikash Bank Banking Rs 613.90 0.20% 0.26% 500.00 91.20% High PE
Crest Micro Life Insurance Limited Insurance Rs 1,074.10 0.33% 0.52% 500.00 35.64% High PE
Mailung Khola Jal Vidhyut Company Limited Hydropower Rs 325.00 0.44% 1.78% 500.00 55.94% High PE
NIC Asia Bank Banking Rs 308.10 0.65% 0.80% 252.95 93.47% High PE
Ngadi Group Power Ltd. Hydropower Rs 398.00 0.85% 35.60% 314.06 18.86% High PE
Trade Tower Limited Manufacturing & Corporate Rs 690.00 0.86% 7.27% 500.00 0.00% High PE | High Volatility
Hathway Investment Nepal Limited Manufacturing & Corporate Rs 625.50 0.88% 13.32% 500.00 19.21% High PE
Upper Syange Hydropower Limited Hydropower Rs 533.70 0.91% 2.91% 500.00 71.11% High PE
Universal Power Company Ltd Hydropower Rs 333.00 1.04% 11.67% 295.89 38.46% High PE | High Volatility
Sayapatri Hydropower Limited Hydropower Rs 523.00 1.06% 5.98% 500.00 51.18% High PE
Shreenagar Agritech Industries Limited Manufacturing & Corporate Rs 970.10 1.29% 0.97% 500.00 42.21% High PE | High Volatility
Dordi Khola Jal Bidyut Company Limited Hydropower Rs 242.00 1.35% 10.92% 170.24 53.76% High PE
Dolti Power Company Limited Hydropower Rs 291.60 1.49% 4.66% 336.31 77.95% High PE
Liberty Energy Company Limited Hydropower Rs 213.00 1.60% 14.46% 189.87 73.56% High PE
Ridi Power Company Limited Hydropower Rs 345.90 1.99% 12.85% 171.49 40.61% High PE
Arun Kabeli Power Ltd. Hydropower Rs 244.00 2.01% 12.99% 119.30 49.70% High PE
Guardian Micro Life Insurance Limited Insurance Rs 958.40 2.06% 2.87% 447.33 39.11% High PE
GreenLife Hydropower Limited Hydropower Rs 247.50 2.10% 0.00% 106.31 95.41% High Debt | High PE
Barun Hydropower Hydropower Rs 313.90 2.16% 21.39% 150.79 19.15% High PE
Nlg Insurance Insurance Rs 516.00 2.23% 3.15% 238.12 51.01% High PE
Peoples Hydropower Company Limited Hydropower Rs 297.60 2.29% 6.18% 133.35 72.05% High PE
Chhyangdi Hydropower Ltd. Hydropower Rs 258.40 2.35% 7.57% 150.17 52.46% High PE
Emerging Nepal Limited Manufacturing & Corporate Rs 764.00 2.46% 66.46% 282.73 2.17% High PE
Maya Khola Hydropower Company Limited Hydropower Rs 246.90 2.55% 4.18% 155.77 85.99% High Debt | High PE
United Ajod Insurance Limited Insurance Rs 388.80 2.68% 3.50% 142.33 52.03% High PE
Sanjen Jalavidhyut Company Limited Hydropower Rs 227.00 2.69% 4.99% 101.07 82.60% High Debt | High PE
Manakamana Engineering Hydropower Limited Hydropower Rs 234.60 2.70% 9.53% 135.25 61.17% High PE
Buddha Bhumi Nepal Hydropower Company Limited Hydropower Rs 263.60 2.84% 6.46% 176.79 50.74% High PE
River Falls Power Limited Hydropower Rs 330.00 2.94% 14.36% 121.75 41.73% High PE
Pure Energy Limited Hydropower Rs 768.00 3.10% 10.22% 242.83 67.85% High PE | High Volatility
Shree Investment Finance Finance Rs 485.10 3.31% 6.55% 104.96 86.62% High PE | High Volatility
Ankhu Khola Jalvidhyut Company Ltd. Hydropower Rs 343.00 3.45% 28.35% 107.87 27.18% High PE
Sagarmatha Jalabidhyut Company Limited Hydropower Rs 419.00 3.50% 19.86% 110.74 60.32% High PE
Samling Power Company Limited Hydropower Rs 397.00 3.66% 8.44% 100.01 83.21% High Debt | High PE
Nyadi Hydropower Limited Hydropower Rs 350.00 3.81% 6.20% 142.78 84.79% High Debt | High PE
Shikhar Insurance Insurance Rs 559.00 4.18% 4.40% 133.28 60.98% High PE
Nepal Life Insurance Insurance Rs 690.30 4.53% 0.63% 140.60 95.91% High PE
Life Insurance Nepal Insurance Rs 761.50 4.91% 1.21% 103.22 93.86% High PE
Citizen Investment Trust Manufacturing & Corporate Rs 1,670.00 6.06% 60.01% 84.17 94.73% High Debt | High PE
Menchhiyam Hydropower Limited Hydropower Rs 254.00 6.58% -4.20% -246.43 142.45% High Debt | Negative Earnings
Dibyashwori Hydropower Ltd. Hydropower Rs 274.50 88.27% 13.94% 49.79 122.94% High Debt | High Volatility

Sector Analysis

Best stocks in each sector, compared fairly within their own group (banks are judged like banks, hydropower like hydropower).

Manufacturing & Corporate

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Unilever Nepal Manufacturing & Corporate Rs 47,200.00 31.77% 19.91% 27.57
Himalayan Distillery Manufacturing & Corporate Rs 1,163.00 26.27% 22.94% 35.56
CEDB Holdings Limited Manufacturing & Corporate Rs 2,183.00 26.15% 25.67% 35.72
Soaltee Hotel Manufacturing & Corporate Rs 508.70 25.21% 20.22% 78.54
Bottlers Nepal (Terai) Manufacturing & Corporate Rs 11,550.10 17.36% 7.47% 21.20
Bottlers Nepal (Balaju) Manufacturing & Corporate Rs 14,405.00 13.50% 6.49% 31.96
Radhi Bidhyut Company Manufacturing & Corporate Rs 685.00 12.24% 10.81% 34.68
Nepal Lube Oil Manufacturing & Corporate Rs 277.40 11.55% 4.74% 4.73
Sarbottam Cement Limited Manufacturing & Corporate Rs 793.00 10.87% 6.99% 37.41
Green Ventures Limited Manufacturing & Corporate Rs 476.20 10.75% 4.17% 36.44
Kalinchowk Darshan Limited Manufacturing & Corporate Rs 731.10 8.81% 7.41% 79.85
Shivam Cements Ltd Manufacturing & Corporate Rs 650.00 7.57% 6.05% 46.34
Nepal Doorsanchar Company Manufacturing & Corporate Rs 875.00 6.53% 4.77% 25.82
Citizen Investment Trust Manufacturing & Corporate Rs 1,670.00 6.06% 0.41% 84.17
Sonapur Minerals And Oil Limited Manufacturing & Corporate Rs 408.00 5.64% 2.32% 37.21

Hydropower

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Dibyashwori Hydropower Ltd. Hydropower Rs 274.50 88.27% 2.41% 49.79
Mountain Hydro Nepal Limited Hydropower Rs 238.80 33.21% 5.33% 18.69
Mountain Energy Nepal Limited Hydropower Rs 618.00 18.17% 11.62% 24.22
Sahas Urja Limited Hydropower Rs 682.00 17.63% 8.25% 22.95
Upper Hewakhola Hydropower Company Limited Hydropower Rs 604.00 16.90% 7.02% 31.95
Super Madi Hydropower Limited Hydropower Rs 525.00 16.72% 4.56% 28.53
Sanima Middle Tamor Hydropower Limited Hydropower Rs 482.00 15.92% 4.68% 25.73
Mandu Hydropower Limited Hydropower Rs 700.10 15.42% 6.43% 29.97
Chirkhwa Hydropower Limited Hydropower Rs 575.00 14.14% 4.97% 43.39
Swet-Ganga Hydropower & Construction Limited Hydropower Rs 290.00 13.90% 3.07% 26.05
Himalayan Power Partner Ltd. Hydropower Rs 369.00 13.70% 3.94% 29.36
Rawa Energy Development Limited Hydropower Rs 407.20 13.63% 4.94% 36.47
Upper Solu Hydro Electric Company Limited Hydropower Rs 496.00 13.53% 4.56% 32.07
Api Power Hydropower Rs 325.90 13.40% 7.29% 21.64
Mai Khola Hydropower Limited Hydropower Rs 486.50 13.28% 7.90% 35.18
Sikles Hydropower Limited Hydropower Rs 565.00 13.16% 7.00% 40.16
Mid Solu Hydropower Limited Hydropower Rs 546.00 12.95% 5.78% 37.54
Terhathum Power Company Limited Hydropower Rs 350.00 12.83% 7.82% 31.34
Nepal Hydro Developers Ltd. Hydropower Rs 623.00 11.69% 10.59% 44.51
Mathillo Mailun Khola Jalvidhyut Limited Hydropower Rs 345.00 11.55% 3.73% 31.00
United IDI Mardi RB Hydropower Limited Hydropower Rs 519.70 10.58% 4.18% 45.08
Bindhyabasini Hydropower Development Company Limited Hydropower Rs 420.00 10.37% 4.90% 35.63
Balephi Hydropower Limited Hydropower Rs 199.70 10.02% 3.38% 25.25
Kalika Power Company Hydropower Rs 454.00 9.34% 8.72% 40.39
Makar Jitumaya Suri Hydropower Limited Hydropower Rs 401.00 9.23% 2.87% 38.95
Panchthar Power Company Ltd. Hydropower Rs 326.90 9.19% 3.17% 36.95
Upper Tamakoshi Hydropower Ltd Hydropower Rs 184.00 9.12% 1.15% 42.09
Super Mai Hydropower Limited Hydropower Rs 500.00 9.05% 4.58% 43.54
Himalayan Hydropower Limited Hydropower Rs 326.80 8.87% 3.66% 44.63
Molung Hydropower Company Limited Hydropower Rs 275.00 8.38% 5.14% 38.24
Bhagawati Hydropower Development Company Limited Hydropower Rs 513.00 8.15% 6.55% 56.95
Ru Ru Jalbidhyut Pariyojana Limited Hydropower Rs 585.00 8.07% 7.93% 56.24
Himalaya Urja Bikas Company Limited Hydropower Rs 230.00 8.01% 4.18% 30.38
Mandakini Hydropower Limited Hydropower Rs 458.80 7.81% 5.69% 52.37
Panchakanya Mai Hydropower Hydropower Rs 300.00 7.39% 3.25% 49.40
Singati Hydro Energy Limited Hydropower Rs 292.60 6.27% 3.42% 43.15
Chilime Hydropower Hydropower Rs 405.00 6.23% 6.07% 53.35
Synergy Power Development Ltd. Hydropower Rs 353.00 5.64% 4.67% 58.36
United Modi Hydropower Hydropower Rs 559.90 5.56% 3.54% 97.56
Sanima Mai Hydropower Hydropower Rs 502.00 5.01% 4.92% 63.95

Finance

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Pokhara Finance Finance Rs 364.00 32.06% 2.83% 27.22
Gurkhas Finance Ltd. Finance Rs 494.00 16.84% 2.03% 19.54
Manjushree Financial Institution Finance Rs 735.00 15.47% 1.38% 26.39
Samriddhi Finance Company Limited Finance Rs 370.00 14.13% 1.95% 44.31
ICFC Finance Finance Rs 590.00 12.34% 1.06% 26.43
Central Finance Finance Rs 585.70 11.61% 1.34% 43.57
First Micro Finance Development Bank Finance Rs 728.00 10.73% 3.18% 51.33
Progressive Finance Finance Rs 384.00 7.67% 0.59% 64.91
Multipurpose Finance Finance Rs 597.60 7.36% 1.28% 67.10
Goodwill Finance Finance Rs 570.00 6.98% 0.89% 38.10
Best Finance Finance Rs 459.70 6.79% 0.95% 58.66

Insurance

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Prabhu Insurance Insurance Rs 599.60 12.78% 3.30% 44.98
Himalayan Everest Insurance Limited Insurance Rs 489.90 12.25% 2.94% 36.25
Sagarmatha Lumbini Insurance Co. Limited Insurance Rs 553.00 10.95% 2.06% 46.32
IME Life Insurance Company Limited Insurance Rs 403.20 10.36% 2.47% 34.51
Siddhartha Premier Insurance Limited Insurance Rs 625.00 9.78% 1.62% 53.67
Reliable Nepal Life Insurance Limited Insurance Rs 415.00 9.71% 2.44% 37.02
Neco Insurance Insurance Rs 549.90 9.01% 2.42% 52.87
Asian Life Insurance Insurance Rs 402.30 7.56% 0.70% 51.00
Sun Nepal Life Insurance Company Limited Insurance Rs 390.00 7.19% 2.17% 49.22
Sanima Reliance Life Insurance Limited Insurance Rs 357.30 7.17% 1.32% 46.68
Citizen Life Insurance Company Limited Insurance Rs 417.10 6.85% 1.27% 53.36
SuryaJyoti Life Insurance Company Limited Insurance Rs 402.80 6.75% 0.69% 53.10
Prabhu Mahalaxmi Life Insurance Limited Insurance Rs 409.90 6.66% 1.63% 57.93
National Life Insurance Insurance Rs 566.90 6.06% 0.34% 87.06
Sanima GIC Insurance Limited Insurance Rs 400.10 5.70% 1.44% 69.46
Nepal Insurance Insurance Rs 442.20 5.13% 1.65% 88.36

Banking

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Saptakoshi Development Bank Ltd Banking Rs 720.00 24.21% 1.66% 39.92
Kumari Bank Banking Rs 212.00 18.34% 1.60% 7.53
Garima Bikas Bank Banking Rs 422.00 17.18% 1.58% 15.05
Swabalamban Bikas Bank Banking Rs 668.00 15.84% 2.42% 18.86
Shine Resunga Development Bank Banking Rs 408.00 15.55% 1.42% 17.35
Everest Bank Banking Rs 729.50 15.26% 1.35% 19.74
Shangrila Development Bank Banking Rs 405.00 15.26% 1.39% 16.99
Jyoti Bikas Bank Banking Rs 331.90 14.53% 1.35% 14.50
Excel Development Bank Banking Rs 566.00 14.35% 1.56% 22.86
Sanima Bank Banking Rs 369.00 14.34% 1.30% 16.20
Kamana Sewa Bikas Bank Limited Banking Rs 474.00 14.19% 1.23% 20.47
Standard Chartered Bank Banking Rs 645.00 12.96% 1.70% 22.73
Muktinath Bikas Bank Banking Rs 357.00 12.36% 1.12% 18.81
Nabil Bank Banking Rs 540.20 12.15% 1.14% 18.49
NMB Bank Banking Rs 236.80 12.01% 1.09% 11.38
Lumbini Bikas Bank Ltd. Banking Rs 473.00 11.80% 1.27% 20.14
Prime Commercial Bank Banking Rs 235.50 11.69% 1.27% 12.00
Nepal Bank Banking Rs 272.30 11.40% 1.04% 8.89
Siddhartha Bank Banking Rs 411.00 11.11% 0.99% 17.28
Machhapuchhre Bank Banking Rs 248.00 10.46% 0.89% 17.70
Green Development Bank Ltd. Banking Rs 984.00 10.24% 1.02% 83.67
Nepal Sbi Bank Banking Rs 400.00 9.62% 0.83% 22.18
Global Ime Bank Banking Rs 242.00 9.14% 0.83% 14.81
Citizen Bank International Banking Rs 194.80 8.90% 0.84% 14.39
Mahalaxmi Bikas Bank Limited Banking Rs 347.80 8.72% 0.98% 24.91
Miteri Development Bank Banking Rs 557.00 8.25% 1.44% 48.01
Agriculture Development Bank Banking Rs 299.00 6.96% 0.67% 18.56
Corporate Development Bank Banking Rs 902.20 6.94% 1.68% 94.53
Laxmi Sunrise Bank Limited Banking Rs 217.00 6.80% 0.66% 18.64
Sana Kisan Bikas Bank Banking Rs 742.50 6.14% 1.59% 56.01
Nirdhan Utthan Bank Banking Rs 574.00 5.98% 1.21% 44.85

Microfinance

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM)
Aviyan Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,017.60 39.66% 3.87% 17.84
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 33.64% 4.02% 14.57
Support Microfinance Bittiya Sanstha Ltd. Microfinance Rs 1,745.00 31.92% 3.41% 30.71
Matribhumi Lagubitta Bittiya Sanstha Limited Microfinance Rs 760.00 29.46% 2.28% 16.84
Global IME Laghubitta Bittiya Sanstha Microfinance Rs 1,089.50 28.90% 3.65% 17.61
Samaj Laghubittya Bittiya Sanstha Limited Microfinance Rs 1,875.80 26.69% 2.90% 30.20
Jeevan Bikas Laghubitta Bittya Sanstha Ltd Microfinance Rs 1,249.20 24.48% 3.40% 20.21
Infinity Laghubitta Bittiya Sanstha Limited Microfinance Rs 838.00 24.17% 2.93% 22.86
National Microfinance Bittiya Sanstha Ltd. Microfinance Rs 1,105.20 23.96% 2.84% 18.86
Mahuli Samudayik Laghubitta Sanstha Ltd. Microfinance Rs 1,214.00 23.68% 3.10% 24.34
Deprosc Laghubitta Microfinance Rs 835.00 23.35% 3.56% 17.34
Swarojgar Laghu Bitta Bikas Bank Microfinance Rs 790.00 22.64% 2.84% 22.70
Samudayik Laghubitta Bittiya Sanstha Limited Microfinance Rs 877.00 22.13% 2.02% 32.90
Forward Community Microfinance Bittiya Sanstha Ltd. Microfinance Rs 878.00 20.46% 2.71% 16.84
Asha Laghubitta Bittiya Sanstha Ltd Microfinance Rs 1,108.00 20.01% 2.24% 33.95
Gurans Laghubitta Bittiya Sanstha Microfinance Rs 1,705.00 19.80% 1.83% 54.80
Sampada Laghubitta Bittiya Sanstha Limited Microfinance Rs 740.00 19.62% 2.10% 22.76
Upakar Laghubitta Bittiya Sanstha Limited Microfinance Rs 2,408.00 19.24% 1.85% 45.50
Manushi Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,020.00 19.22% 1.62% 41.36
Aatmanirbhar Laghubitta Bittiya Sanstha Limited Microfinance Rs 4,920.00 18.81% 3.16% 70.57
Himalayan Laghubitta Bittiya Sanstha Limited Microfinance Rs 850.00 18.35% 1.81% 27.19
Nadep Laghubitta Bittiya Sanstha Ltd. Microfinance Rs 714.00 17.72% 2.08% 24.19
Unnati Sahakarya Laghubitta Bittiya Sanstha Limited Microfinance Rs 970.00 17.40% 1.64% 34.62
NESDO Sambridha Laghubitta Bittiye Sanstha Limited Microfinance Rs 1,345.00 17.06% 3.30% 28.60
Swabhimaan Laghubitta Bittiya Sanstha Ltd Microfinance Rs 1,369.00 16.90% 1.60% 40.54
Mahila Lagubitta Bittiya Sanstha Limited Microfinance Rs 1,096.00 16.64% 1.45% 28.91
Aarambha Chautari Laghubitta Bittiya Sanstha Limited Microfinance Rs 900.00 16.47% 1.64% 32.39
Kalika Laghubitta Bittiya Sanstha Microfinance Rs 774.60 16.27% 2.26% 28.27
Ganapati Microfinance Bittiya Sanstha Microfinance Rs 1,146.00 16.19% 1.67% 39.96
Vijaya Laghubitta Bittiya Sanstha Microfinance Rs 620.00 15.41% 1.72% 25.02
Chhimek Laghubitta Bikas Bank Microfinance Rs 932.00 15.06% 2.36% 25.95
Swastik Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,904.00 14.39% 1.60% 90.19
NMB Microfinance Microfinance Rs 590.00 14.30% 1.74% 28.88
Unique Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,240.00 13.69% 1.35% 36.05
Suryodaya Womi Laghubitta Bittiya Sanstha Limited Microfinance Rs 587.00 13.12% 1.69% 29.81
Samata Gharelu Laghubitta Bittiya Sanstha Limited Microfinance Rs 695.00 13.08% 1.77% 38.52
Laxmi Laghubitta Bittiya Sanstha Microfinance Rs 882.00 13.07% 1.60% 36.44
Shrijanshil Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,323.90 11.95% 1.12% 42.97
Mithila Laghubitta Bikas Bank Microfinance Rs 943.00 10.96% 1.44% 46.98
RSDC Laghubitta Bittiya Sanstha Ltd. Microfinance Rs 611.20 10.54% 2.10% 45.72
Dhaulagiri Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,007.10 9.59% 0.82% 64.06
Grameen Bikas Laghubitta Microfinance Rs 666.00 9.31% 1.73% 25.10
Nerude Mirmire Laghubitta Bittiya Sanstha Limited Microfinance Rs 490.00 8.46% 1.11% 29.03
Janautthan Samudayic Laghubitta Bikas Bank Microfinance Rs 960.00 6.36% 0.77% 89.68
NIC ASIA Laghubitta Bittiya Sanstha Limited Microfinance Rs 528.00 5.84% 0.53% 75.27
Mero Microfinance Bittiya Sanstha Ltd. Microfinance Rs 616.90 5.63% 0.73% 72.85

Strategy Evidence (Graded Forward Returns)

What actually happened AFTER each historical pick: win-rate and average return over the next 1 and 5 sessions, net of estimated fees. Verdicts strengthen as history accumulates (~60 sessions needed); treat small samples as directional.

StrategyN(1d)Win%(1d)Avg%(1d)N(5d)Win%(5d)Avg%(5d)
💪 Strong Balance Sheet84.0+44.00+0.0055.0+40.00+0.14
💰 High Profitability Leaders82.0+45.10+0.0156.0+35.70-0.25
📊 Best Risk-Adjusted Returns95.0+42.10-0.0561.0+32.80-0.33
💵 Undervalued High Earners100.0+45.00-0.0259.0+39.00-0.47
🛡️ Defensive Low-Risk180.0+38.90-0.18108.0+31.50-0.93
💎 High Quality Stocks63.0+38.10-0.2245.0+28.90-1.07

Corporate Actions (Upcoming 10 Days)

Dividends, AGMs/SGMs and book-closure dates on the horizon. Prices around ex-dates can distort momentum signals — verify before acting.

DateSymbolCompanyTypeAgenda
2026-08-30JBLBJeevan Bikas Laghubitta Bittya Sanstha LtdSGMApproval of the merger of Jeevan Bikas Laghubitta Bittiya Sanstha Limited, Unique Nepal Laghubitta B
2026-08-30MLBSManushi Laghubitta Bittiya Sanstha LimitedSGMApproval of the merger of Jeevan Bikas Laghubitta Bittiya Sanstha Limited, Unique Nepal Laghubitta B
2026-08-30UNLBUnique Nepal Laghubitta Bittiya Sanstha LimitedSGMApproval of the merger of Jeevan Bikas Laghubitta Bittiya Sanstha Limited, Unique Nepal Laghubitta B
2026-08-30DHELDaramkhola Hydro Energy LimitedAGMFinancial Highlights FY 2024/25 ##Election of Board Members
2026-08-31SIGS3Siddhartha Investment Growth Scheme 3Dividend10% Cash Dividend (including tax) to be distributed to its unitholders for FY 2025/26
2026-08-31SIGS2Siddhartha Investment Growth Scheme 2Dividend8% Cash Dividend (including tax) to be distributed to its unitholders for FY 2025/26
2026-09-01MPFLMultipurpose FinanceAGMFinancial Highlights FY 2024/25
2026-09-02MEHLManakamana Engineering Hydropower LimitedAGMFinancial Highlights FY 2025/26
2026-09-03MANDUMandu Hydropower LimitedAGMFinancial Highlights FY 2024/25 & FY 2025/26 ##Proposal for 10 % Stock and 12.5263% Cash Dividend #
2026-09-03SAGFSanima Growth FundDividend5% Cash Dividend (including tax) to be distributed to its unitholders for FY 2025/26
2026-09-03KSBBLKamana Sewa Bikas Bank LimitedAGMFinancial Highlights FY 2025/26 ##Proposal for 15% Cash Dividend ##Appointment of Board Members
2026-09-03KSBBLKamana Sewa Bikas Bank LimitedDividendProposal for 15% Cash Dividend subject to approval from Regulatory body and its upcoming AGM
Legacy Screens (Archive & Audit Trail) [Expand]

These screens are legacy binary filters (Strategies 1–3, 7–10) kept for historical transparency and auditability. Under Gen-3, trading candidates are selected solely by the Multi-Factor Percentile Engine above.

High Quality Stocks (reference screen)

Strong profit-makers at a fair price: sector-adjusted ROE bar (> 15% banks/microfinance, > 12% finance, > 10% insurance, > 8% hydropower), PE < 40 OR near the sector median with a cross-sector bubble guard, Debt < 50% for non-financials, uptrend.

Company Sector Latest Close ROE (TTM) % ROA (TTM)% PE (TTM) Debt to Asset Risk Flags
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 33.64% 4.02% 14.57 86.88% OK
Unilever Nepal Manufacturing & Corporate Rs 47,200.00 31.77% 19.91% 27.57 34.02% OK
Soaltee Hotel Manufacturing & Corporate Rs 508.70 25.21% 20.22% 78.54 16.03% High PE
Mountain Energy Nepal Limited Hydropower Rs 618.00 18.17% 11.62% 24.22 41.18% OK
Garima Bikas Bank Banking Rs 422.00 17.18% 1.58% 15.05 90.56% OK
Everest Bank Banking Rs 729.50 15.26% 1.35% 19.74 90.83% OK
Chhimek Laghubitta Bikas Bank Microfinance Rs 932.00 15.06% 2.36% 25.95 84.25% OK

High Profitability Leaders (reference screen)

Sector-calibrated earnings power: financials need positive margins with ROE above their sector bar; others need Net Margin > 15% and ROE > 10%. All names must be in an uptrend with earnings momentum.

Company Sector Latest Close Net Profit Margin TTM % ROE (TTM) % PE (TTM) Risk Flags
Mountain Energy Nepal Limited Hydropower Rs 618.00 51.97% 18.17% 24.22 OK
Upper Hewakhola Hydropower Company Limited Hydropower Rs 604.00 41.54% 16.90% 31.95 OK
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 33.91% 33.64% 14.57 OK
Super Madi Hydropower Limited Hydropower Rs 525.00 32.02% 16.72% 28.53 OK
Sanima Middle Tamor Hydropower Limited Hydropower Rs 482.00 30.83% 15.92% 25.73 OK
Soaltee Hotel Manufacturing & Corporate Rs 508.70 29.08% 25.21% 78.54 High PE
Everest Bank Banking Rs 729.50 25.22% 15.26% 19.74 OK
Garima Bikas Bank Banking Rs 422.00 22.50% 17.18% 15.05 OK
Unilever Nepal Manufacturing & Corporate Rs 47,200.00 19.62% 31.77% 27.57 OK
Chhimek Laghubitta Bikas Bank Microfinance Rs 932.00 19.34% 15.06% 25.95 OK

Undervalued High Earners (reference screen)

Profitable per share (EPS > 0 — any magnitude, ranked best-first), trading cheap: PE < 20 OR near the sector median with bubble guard, under 3x book value, uptrend.

Company Sector Latest Close EPS (TTM) PE (TTM) PBV Risk Flags
Nepal Lube Oil Manufacturing & Corporate Rs 277.40 58.64 4.73 0.50 OK
Nepal Bank Banking Rs 272.30 30.63 8.89 0.95 OK
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 110.66 14.57 4.51 OK
Garima Bikas Bank Banking Rs 422.00 28.04 15.05 2.38 OK
Sanima Bank Banking Rs 369.00 22.78 16.20 2.08 OK
Siddhartha Bank Banking Rs 411.00 23.79 17.28 1.82 OK
Nabil Bank Banking Rs 540.20 29.22 18.49 2.18 OK
Everest Bank Banking Rs 729.50 36.95 19.74 2.84 OK
Sahas Urja Limited Hydropower Rs 682.00 29.72 22.95 3.78 OK
Mountain Energy Nepal Limited Hydropower Rs 618.00 25.52 24.22 4.10 OK
Sanima Middle Tamor Hydropower Limited Hydropower Rs 482.00 18.73 25.73 3.74 OK
Nepal Doorsanchar Company Manufacturing & Corporate Rs 875.00 33.88 25.82 1.59 OK
Chhimek Laghubitta Bikas Bank Microfinance Rs 932.00 35.91 25.95 3.71 OK
Super Madi Hydropower Limited Hydropower Rs 525.00 18.40 28.53 4.39 OK
Central Finance Finance Rs 585.70 13.44 43.57 4.80 High Volatility

Defensive Low-Risk (reference screen)

Calm, steady stock (Beta < 1.0, YTD > -5%) that still earns well (ROE > 8%).

Company Sector Latest Close Beta Weekly YTD Price Chg % ROE (TTM) % Risk Flags
Nepal Lube Oil Manufacturing & Corporate Rs 277.40 -0.02 +9.17% 11.55% OK
Unilever Nepal Manufacturing & Corporate Rs 47,200.00 0.27 +0.43% 31.77% OK
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 0.55 -1.65% 33.64% OK
Standard Chartered Bank Banking Rs 645.00 0.67 +2.06% 12.96% OK
Mandu Hydropower Limited Hydropower Rs 700.10 0.73 -1.44% 15.42% OK
Bottlers Nepal (Terai) Manufacturing & Corporate Rs 11,550.10 0.73 -2.12% 17.36% OK
Everest Bank Banking Rs 729.50 0.73 +11.89% 15.26% OK
Nabil Bank Banking Rs 540.20 0.74 +9.80% 12.15% OK
Global Ime Bank Banking Rs 242.00 0.76 +6.61% 9.14% OK
Nepal Sbi Bank Banking Rs 400.00 0.83 -1.23% 9.62% OK
Prime Commercial Bank Banking Rs 235.50 0.85 -2.62% 11.69% OK
NMB Bank Banking Rs 236.80 0.87 -0.84% 12.01% OK
Support Microfinance Bittiya Sanstha Ltd. Microfinance Rs 1,745.00 0.87 +0.00% 31.92% OK
Chhimek Laghubitta Bikas Bank Microfinance Rs 932.00 0.88 +0.00% 15.06% OK
Sanima Bank Banking Rs 369.00 0.91 +16.37% 14.34% OK
Siddhartha Bank Banking Rs 411.00 0.91 +9.08% 11.11% OK
Nepal Bank Banking Rs 272.30 0.92 +14.41% 11.40% OK
Jeevan Bikas Laghubitta Bittya Sanstha Ltd Microfinance Rs 1,249.20 0.93 -3.08% 24.48% OK
Machhapuchhre Bank Banking Rs 248.00 0.95 +11.71% 10.46% OK
Sanima Middle Tamor Hydropower Limited Hydropower Rs 482.00 0.95 +8.56% 15.92% OK
Mountain Energy Nepal Limited Hydropower Rs 618.00 0.95 +9.38% 18.17% OK
Kumari Bank Banking Rs 212.00 0.95 +18.17% 18.34% OK
Citizen Bank International Banking Rs 194.80 0.97 -2.01% 8.90% OK
National Microfinance Bittiya Sanstha Ltd. Microfinance Rs 1,105.20 0.98 -3.56% 23.96% OK
Terhathum Power Company Limited Hydropower Rs 350.00 0.98 -4.84% 12.83% OK
Soaltee Hotel Manufacturing & Corporate Rs 508.70 0.99 +4.26% 25.21% High PE
Aarambha Chautari Laghubitta Bittiya Sanstha Limited Microfinance Rs 900.00 1.00 -2.70% 16.47% OK
Samaj Laghubittya Bittiya Sanstha Limited Microfinance Rs 1,875.80 -1.10 +0.00% 26.69% OK

Turnaround Opportunities (reference screen)

Fell hard over the past year (1Y < -15%) but is recovering strongly (12W > +8%) — and back in profit (ROE > 0).

No stocks found matching criteria

Strong Balance Sheet (reference screen)

Financially solid: plenty of cash (Current Ratio > 150%), low debt (< 50% for non-financials), earns > 10% on equity. For banks: ROE > 15% at a discount (PE < 20, PBV < 4).

Company Sector Latest Close Current Ratio Debt to Asset ROE (TTM) % Risk Flags
CYC Nepal Laghubitta Bittiya Sanstha Limited Microfinance Rs 1,612.00 -32.70% 86.88% 33.64% OK
Unilever Nepal Manufacturing & Corporate Rs 47,200.00 236.83% 34.02% 31.77% OK
Soaltee Hotel Manufacturing & Corporate Rs 508.70 180.01% 16.03% 25.21% High PE
Mountain Energy Nepal Limited Hydropower Rs 618.00 371.34% 41.18% 18.17% OK
Sahas Urja Limited Hydropower Rs 682.00 1366.02% 59.58% 17.63% OK
Garima Bikas Bank Banking Rs 422.00 0.00% 90.56% 17.18% OK
Upper Hewakhola Hydropower Company Limited Hydropower Rs 604.00 4619.53% 58.35% 16.90% OK
Super Madi Hydropower Limited Hydropower Rs 525.00 651.24% 72.93% 16.72% OK
Sanima Middle Tamor Hydropower Limited Hydropower Rs 482.00 125.66% 76.59% 15.92% OK
Everest Bank Banking Rs 729.50 0.00% 90.83% 15.26% OK

Best Risk-Adjusted Returns (reference screen)

Best return for the risk taken (weekly return > 0.2%, volatility < 10%) — smooth gainers, not rollercoasters. Ranked by Mean Return / SD ratio.

Company Sector Latest Close Mean Returns [Wk, 1Y]% S.D of Returns [Wk, 1Y]% Risk Flags
Sahas Urja Limited Hydropower Rs 682.00 +0.46% +2.90% OK
Ankhu Khola Jalvidhyut Company Ltd. Hydropower Rs 343.00 +1.00% +7.07% High PE
Him Star Urja Company Limited Hydropower Rs 659.90 +1.21% +9.60% High Debt | Negative Earnings | High Volatility | Negative Margin
Siddhartha Bank Banking Rs 411.00 +0.29% +2.31% OK
Mountain Energy Nepal Limited Hydropower Rs 618.00 +0.32% +2.62% OK
Ridi Power Company Limited Hydropower Rs 345.90 +0.66% +5.82% High PE
Asha Laghubitta Bittiya Sanstha Ltd Microfinance Rs 1,108.00 +0.34% +3.70% OK
Daramkhola Hydro Energy Limited Hydropower Rs 564.00 +0.58% +6.44% Negative Earnings | Negative Margin
Api Power Hydropower Rs 325.90 +0.29% +3.37% OK
Mabilung Energy Limited Hydropower Rs 567.30 +0.70% +8.14% Negative Earnings | High Volatility
Upper Hewakhola Hydropower Company Limited Hydropower Rs 604.00 +0.30% +4.27% OK
National Hydro Power Hydropower Rs 254.60 +0.40% +6.63% Negative Earnings | High Volatility | Negative Margin
Central Finance Finance Rs 585.70 +0.28% +4.84% High Volatility