An analysis of ICFC Finance with reference to Fundamental Indicators

 An analysis of ICFC Finance with reference to Fundamental Indicators

ICFC Finance Limited is one of the leading finance companies of Nepal listed in NEPSE, with the current paid up capital of Rs. 1,183,471,000. As of 17^th September, 2026, its last traded share price was Rs. 603.

It has shown consistent increase in net profit over the past three fiscal years with net profit increasing from Rs. 88,769,607 in the 4^th quarter of 2080/81 to Rs. 161,102,915 in 4^th quarter of 2082/83. Let’s compare some of the financial indicators in the past three fiscal years:

ICFC Finance has shown improvement in its financial performance over the last three fiscal years. The company’s net worth per share increased steadily from Rs. 160.62 to Rs. 189.32, showing growth in shareholders’ equity. Meanwhile, NPL declined significantly from 4.15% to 1.55% which shows improvement in its loan management.

EPS declined from Rs. 29.15 to Rs. 22.33 in FY 2082/83 even though the profits were rising.The P/E ratio fell sharply from 61.17 in 2080/81 to 21.98 in 2081/82 before rising to 27.00 in 2082/83 which is the direct result of EPS and market price fluctuation. Similarly, PBV ratio also declined from 3.85 to 3.19.

ICFC has provided dividend consistently over the years even though in varying rates due to the changing profitability. Investors should also watch for dividend history before making decisions. Overall, ICFC Finance has recorded rising profits, stronger net worth, and a significant reduction in NPL, while EPS and valuation indicators have fluctuated during the period.