Comparative Performance of 8 Microfinance with capital upto 10 crores

Several Microfinance companies of Nepal have published the fourth quarter report of fiscal year 2075/76. The microfinance companies have shown impressive growth in their latest reports. Due to this reason, the share price of microfinance companies is rapidly rising lately in the stock market.

Here, we are trying to make a comparative analysis of the performance of 8 microfinance companies with capital up to Rs. 10 crores. See the performance of each microfinance and decide which is the best of all. Which company’s share would you like to purchase? Feel free to share your views in the comment section below.

Note 1: Trilok and Suryodaya Laghubitta are in the merger agreement. 

Note 2: The comparative performance report is based on the unaudited fourth-quarter report of fiscal year 2075/76. It may change after the audit.

Comparative Performance of 8 Microfinance 

A. Paid-Up Capital, Reserve, Borrowings, Deposits and Loans

MICROFINANCE PAID-UP CAPITAL (Rs. In crores)  RESERVE (Rs. In crores) BORROWINGS (Rs. In crores) DEPOSITS (Rs. In crores) LOANS  (Rs. In crores)
Samata Laghubitta 6.07 8.43 80.13 49.59 130.97
Trilok Laghubitta 6.09 0.47 45.59 14.11 65.42
Sparsha Laghubitta 8.29 1.58 68.59 16.67 90.38
Kisan Laghubitta 8.6 3.6 97.33 37.24 132.36
Mahuli Laghubitta 10.2 19.32 97.13 88.35 206.31
Ganapati Laghubitta 10.35 1.71 58.99 23.72 87.75
Suryodaya Laghubitta 10.79 7.96 86.27 61.39 156.81
Kalika Laghubitta 10.8 6.77 102.76 72.66 181.35

B. Net Interest Income, Profit, NPL, Cost of Fund

MICROFINANCE NET INTEREST INCOME (Rs. In crores) PROFIT (Rs. In crores) NON PERFORMING LOANS, NPL (%) COST OF FUND (%)
Samata Laghubitta 7.07 2.58 0.98 12.05
Trilok Laghubitta 2.49 1.05 10.36
Sparsha Laghubitta 4.42 1.56 0.49 11.68
Kisan Laghubitta 8.35 2.21 0.77 12.26
Mahuli Laghubitta 14.73 4.29 1.62 10.37
Ganapati Laghubitta 6.09 3.05 0.69 10.39
Suryodaya Laghubitta 10.58 3.61 0.92 9.22
Kalika Laghubitta 13.47 2.08 1.6 9.41

C. EPS, Networth, Market Price, and P/E Ratio

MICROFINANCE EARNINGS PER SHARE, EPS (Rs.)  NETWORTH PER SHARE (Rs.)  PRICE PER SHARE (Rs.) P/E RATIO 
Samata Laghubitta 42.32 238.87 1130 26.7
Trilok Laghubitta 17.24 107.72
Sparsha Laghubitta 18.82 119.08 415 22.58
Kisan Laghubitta 25.7 141.88 830 32.3
Mahuli Laghubitta 42.1 289.41 947 22.94
Ganapati Laghubitta 29.45 116.57 446 12.11
Suryodaya Laghubitta 33.51 173.75 793 23.66
Kalika Laghubitta 19.25 162.69 699 36.31

Note: Market price per share is of Ashad 31, 2076. P/E ratio is based on the price of that date.

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