October 5, 2025
Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) - Quarterly Financial Report & Nepse Stock Data

Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB)

Latest Fiscal Report: Q4 081/082

*Data updates daily at 4:00 PM after market close

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS21.24
ROE14330.11
ROA1.29
PE Ratio112.86
NPL %4.76
Net Worth148.21
CD Ratio105.56
PEG Value0.43

🏦 Fundamental Overview

Paid-up Capital246,865,736
Net Profit52,431,295
Prev. Quarter Profit14,535,868
Net Profit Growth Rate260.70%
Reserve110,237,160
Operating Profit74,901,850
Distributable Profit40,896,410
Retained Earnings8,779,227
Total Assets4,049,718,167
Total Liabilities3,683,836,044
Deposit1,209,592,605
Loan3,761,927,455
Net Interest Income270,427,071
Fee & Commission Income43,271,291

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS20.49
ROE14.02
ROA1.28
PE Ratio92.10
NPL %5.66
Net Worth146.15
PEG Value-1.48

🏦 Fundamental Overview

Paid-up Capital246,865,738
Net Profit37,395,413
Prev. Quarter Profit98,540,800
Net Profit Growth Rate-62.05%
Reserve107,048,066
Operating Profit54,193,448
Distributable Profit29,589,622
Retained Earnings6,883,054
Total Assets3,857,726,594
Total Liabilities3,596,929,738
Deposit1,147,745,553
Loan3,697,350,043
Net Interest Income189,354,259
Fee & Commission Income26,784,056

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS5.17
ROE3.88
ROA0.32
PE Ratio365.01
NPL %4.83
Net Worth133.37
CD Ratio105.92
PEG Value2.34

🏦 Fundamental Overview

Paid-up Capital246,865,736
Net Profit6,383,222
Prev. Quarter Profit2,493,959
Net Profit Growth Rate155.95%
Reserve100,106,584
Operating Profit9,118,888
Retained Earnings-17,727,656
Total Assets3,945,439,338
Total Liabilities3,616,194,673
Deposit1,137,650,911
Loan3,637,369,005
Net Interest Income117,263,585
Fee & Commission Income17,006,357

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS3.73
ROE2.72
ROA0.23
PE Ratio505.93
NPL %7.03
Net Worth137.12
CD Ratio104.61
PEG Value283.53

🏦 Fundamental Overview

Paid-up Capital246,865,740
Net Profit2,298,940
Prev. Quarter Profit2,258,637
Net Profit Growth Rate1.78%
Reserve90,493,670
Operating Profit3,284,200
Distributable Profit1,793,171
Retained Earnings1,151,540
Total Assets3,967,472,080
Total Liabilities3,628,961,130
Deposit1,101,076,250
Loan3,617,229,630
Net Interest Income53,445,360
Fee & Commission Income7,561,770

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS5.89
ROE4.32
ROA0.36
PE Ratio320.39
NPL %3.03
Net Worth136.19
CD Ratio260.12
PEG Value3.56

🏦 Fundamental Overview

Paid-up Capital246,865,736
Net Profit14,535,868
Prev. Quarter Profit7,649,703
Net Profit Growth Rate90.02%
Reserve89,987,907
Operating Profit20,765,526
Distributable Profit-641,630
Retained Earnings-641,630
Total Assets4,011,801,929
Total Liabilities3,675,589,916
Deposit1,096,507,959
Loan3,583,561,507
Net Interest Income174,437,064
Fee & Commission Income52,672,206

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS5.32
ROE3.67
ROA0.33
PE Ratio354.72
NPL %5.54
Net Worth145.13
CD Ratio260.10
PEG Value2.22

🏦 Fundamental Overview

Paid-up Capital246,865,736
Net Profit98,540,800
Prev. Quarter Profit37,934,480
Net Profit Growth Rate159.77%
Reserve112,136,294
Operating Profit14,077,254
Distributable Profit6,306,610
Retained Earnings-723,046
Total Assets3,941,899,285
Total Liabilities3,583,620,300
Deposit1,080,029,319
Loan3,533,588,918
Net Interest Income127,457,061
Fee & Commission Income36,334,004

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS2.02
ROE1.54
ROA0.13
PE Ratio934.22
NPL %5.74
Net Worth130.98
CD Ratio100.92
PEG Value-19.07

🏦 Fundamental Overview

Paid-up Capital246,865,736
Net Profit2,493,959
Prev. Quarter Profit4,889,397
Net Profit Growth Rate-48.99%
Reserve81,900,894
Operating Profit3,562,799
Distributable Profit1,596,134
Retained Earnings-5,433,522
Total Assets3,916,073,108
Total Liabilities3,592,739,999
Deposit1,099,286,765
Loan3,507,048,543
Net Interest Income80,663,397
Fee & Commission Income24,960,521

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS3.94
PE Ratio478.96
NPL %4.56
Net Worth205.58
CD Ratio101.74
PEG Value2.47

🏦 Fundamental Overview

Paid-up Capital229,020,618
Net Profit2,258,637
Prev. Quarter Profit767,529
Net Profit Growth Rate194.27%
Reserve223,726,553
Retained Earnings18,069,887
Total Assets3,919,657,303

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS3.34
ROE1.63
ROA0.20
PE Ratio565.01
NPL %4.04
Net Worth132.26
CD Ratio236.70
PEG Value-7.03

🏦 Fundamental Overview

Paid-up Capital229,020,618
Net Profit7,649,703
Prev. Quarter Profit38,858,660
Net Profit Growth Rate-80.31%
Reserve230,108,591
Operating Profit10,928,148
Distributable Profit5,966,769
Retained Earnings9,614,047
Total Assets3,832,823,556
Total Liabilities3,360,316,130
Deposit1,124,385,627
Loan3,298,066,540
Net Interest Income190,736,244
Fee & Commission Income36,681,693

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS4.27
ROE2.76
ROA0.26
PE Ratio441.95
NPL %4.29
Net Worth154.20
CD Ratio225.43
PEG Value-5.38

🏦 Fundamental Overview

Paid-up Capital229,020,618
Net Profit4,889,397
Prev. Quarter Profit27,436,270
Net Profit Growth Rate-82.18%
Reserve67,706,688
Operating Profit6,984,853
Distributable Profit3,813,730
Retained Earnings57,197,618
Total Assets3,818,314,488
Total Liabilities3,465,157,093
Deposit1,202,407,938
Loan3,437,977,414
Net Interest Income95,292,192
Fee & Commission Income25,019,182

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS1.34
ROE0.88
ROA0.08
PE Ratio1408.30
NPL %4.61
Net Worth152.74
CD Ratio103.00
PEG Value-15.78

🏦 Fundamental Overview

Paid-up Capital229,020,618
Net Profit767,529
Prev. Quarter Profit7,142,650
Net Profit Growth Rate-89.25%
Reserve66,799,877
Operating Profit1,096,470
Distributable Profit598,673
Retained Earnings53,982,560
Total Assets3,839,076,851
Total Liabilities3,489,273,795
Deposit1,170,240,284
Loan3,460,650,623
Net Interest Income55,410,435
Fee & Commission Income12,307,047

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS16.97
ROE1.04
ROA1.03
PE Ratio111.20
NPL %3.30
Net Worth139.70
CD Ratio235.48
PEG Value-1.88

🏦 Fundamental Overview

Paid-up Capital229,020,620
Net Profit38,858,660
Prev. Quarter Profit94,993,600
Net Profit Growth Rate-59.09%
Reserve Surplus90,925,240
Operating Profit53,495,470
Total Assets3,808,470,820
Total Liabilities55,254,280
Deposit1,188,318,040
Loan3,468,524,170
Net Interest Income211,887,280
Fee & Commission Income3,090,300

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS22.09
ROE15.70
ROA1.38
PE Ratio85.43
NPL %4.82
Net Worth140.67
CD Ratio263.00
PEG Value-1.87

🏦 Fundamental Overview

Paid-up Capital229,020,620
Net Profit37,934,480
Prev. Quarter Profit69,903,760
Net Profit Growth Rate-45.73%
Reserve Surplus93,133,280
Operating Profit60,213,450
Total Assets3,664,677,750
Total Liabilities3,664,677,750
Deposit1,045,269,330
Loan3,354,599,280
Net Interest Income167,243,190

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS31.15
ROE1.56
ROA1.54
PE Ratio60.58
NPL %5.84
Net Worth174.59
CD Ratio287.82
PEG Value-1.45

🏦 Fundamental Overview

Paid-up Capital176,169,710
Net Profit27,436,270
Prev. Quarter Profit47,240,300
Net Profit Growth Rate-41.92%
Reserve Surplus131,412,790
Operating Profit43,549,630
Total Assets3,563,886,450
Total Liabilities45,290,820
Deposit975,061,200
Loan3,218,311,050
Net Interest Income121,548,630
Fee & Commission Income1,522,490

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS16.22
ROE0.80
ROA0.79
PE Ratio116.35
NPL %6.17
Net Worth168.16
CD Ratio296.50
PEG Value11.05

🏦 Fundamental Overview

Paid-up Capital176,169,710
Net Profit7,142,650
Prev. Quarter Profit6,462,200
Net Profit Growth Rate10.53%
Reserve Surplus120,084,980
Operating Profit11,337,550
Total Assets361,011,630
Total Liabilities46,480,620
Deposit944,692,650
Loan2,964,980,830
Net Interest Income61,440,250

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS53.92
ROE2.71
ROA2.71
PE Ratio35.00
NPL %2.32
Net Worth170.38
CD Ratio277.85
PEG Value0.18

🏦 Fundamental Overview

Paid-up Capital176,169,710
Net Profit94,993,600
Prev. Quarter Profit32,434,240
Net Profit Growth Rate192.88%
Reserve123,996,230
Operating Profit136,942,780
Total Assets3,506,979,190
Total Liabilities3,556,880
Deposit916,417,900
Loan2,970,383,350
Net Interest Income245,604,400
Fee & Commission Income1,883,120

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS52.91
ROE2.45
ROA2.43
PE Ratio35.67
NPL %4.91
Net Worth164.77
CD Ratio275.33
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital176,169,710
Net Profit69,903,760
Net Profit Growth Rate0.00%
Reserve Surplus114,101,790
Operating Profit-518,858,980
Total Assets3,833,807,250
Total Liabilities34,238,930
Deposit933,502,270
Loan2,687,262,920
Net Interest Income172,066,720
Fee & Commission Income221,830

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS63.18
ROE2.97
ROA2.95
PE Ratio29.87
NPL %1.89
Net Worth183.03
CD Ratio265.37
PEG Value0.56

🏦 Fundamental Overview

Paid-up Capital149,536,650
Net Profit47,240,300
Prev. Quarter Profit30,894,430
Net Profit Growth Rate52.91%
Reserve Surplus124,161,450
Operating Profit-500,133,410
Total Assets3,201,295,880
Total Liabilities24,347,920
Deposit891,872,470
Loan2,454,961,430
Net Interest Income102,803,230
Fee & Commission Income186,940

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS17.29
ROE0.86
ROA0.84
PE Ratio109.15
NPL %4.13
Net Worth151.44
CD Ratio261.58
PEG Value-2.23

🏦 Fundamental Overview

Paid-up Capital149,536,650
Net Profit6,462,200
Prev. Quarter Profit12,651,660
Net Profit Growth Rate-48.92%
Reserve Surplus76,921,150
Operating Profit10,257,460
Total Assets3,094,345,920
Total Liabilities98,500,860
Deposit822,464,680
Loan2,454,961,430
Net Interest Income36,465,980
Fee & Commission Income81,550

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS21.69
ROE1.19
ROA1.17
PE Ratio87.00
NPL %1.81
Net Worth134.89
CD Ratio306.67
PEG Value-3.86

🏦 Fundamental Overview

Paid-up Capital149,536,650
Net Profit32,434,240
Prev. Quarter Profit41,872,810
Net Profit Growth Rate-22.54%
Reserve Surplus521,174,940
Operating Profit45,564,920
Total Assets2,766,784,430
Total Liabilities43,996,200
Deposit773,085,140
Loan2,286,202,640
Net Interest Income176,252,110
Fee & Commission Income1,592,680

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Prev. Quarter Profit31,679,100
Net Profit Growth Rate0.00%
Loan1,682,175,000

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS70.00
ROE3.24
ROA3.17
PE Ratio26.96
NPL %1.88
Net Worth193.59
CD Ratio266.67
PEG Value0.58

🏦 Fundamental Overview

Paid-up Capital88,275,000
Net Profit30,894,430
Prev. Quarter Profit21,124,850
Net Profit Growth Rate46.25%
Reserve Surplus82,617,400
Operating Profit47,489,990
Total Assets1,951,326,580
Total Liabilities42,452,260
Deposit644,368,430
Loan1,552,792,730
Net Interest Income65,878,130
Fee & Commission Income626,800

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS57.33
ROE2.75
ROA2.70
PE Ratio32.92
NPL %1.85
Net Worth208.04
CD Ratio265.96
PEG Value0.66

🏦 Fundamental Overview

Paid-up Capital88,275,000
Net Profit12,651,660
Prev. Quarter Profit8,451,290
Net Profit Growth Rate49.70%
Reserve Surplus95,372,040
Operating Profit19,629,870
Total Assets1,871,272,140
Total Liabilities33,922,470
Deposit596,659,720
Loan1,459,399,120
Net Interest Income36,262,840
Fee & Commission Income380,340

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS47.43
ROE2.29
ROA2.24
PE Ratio39.79
NPL %1.63
Net Worth164.96
CD Ratio267.34
PEG Value0.38

🏦 Fundamental Overview

Paid-up Capital88,275,000
Net Profit41,872,810
Prev. Quarter Profit20,555,880
Net Profit Growth Rate103.70%
Reserve Surplus61,139,810
Operating Profit65,149,060
Total Assets1,873,422,310
Total Liabilities41,865,880
Deposit556,036,000
Loan1,377,560,840
Net Interest Income85,111,560
Fee & Commission Income1,242,040

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS54.66
ROE2.47
ROA2.41
PE Ratio34.52
NPL %1.03
Net Worth151.39
CD Ratio278.39
PEG Value0.46

🏦 Fundamental Overview

Paid-up Capital77,275,000
Net Profit31,679,100
Prev. Quarter Profit18,094,290
Net Profit Growth Rate75.08%
Reserve Surplus39,709,920
Operating Profit49,287,610
Total Assets175,409,520
Total Liabilities40,926,000
Deposit502,974,570
Loan1,244,125,860
Net Interest Income58,307,840
Fee & Commission Income894,090

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS54.67
ROE0.25
ROA0.25
PE Ratio34.52
NPL %0.78
Net Worth137.73
CD Ratio283.54
PEG Value0.42

🏦 Fundamental Overview

Paid-up Capital77,275,000
Net Profit21,124,850
Prev. Quarter Profit11,602,810
Net Profit Growth Rate82.07%
Reserve Surplus29,155,820
Operating Profit32,919,190
Total Assets1,691,631,140
Total Liabilities34,709,880
Deposit445,181,670
Loan1,133,293,430
Net Interest Income51,049,830
Fee & Commission Income511,080

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS61.46
ROE2.15
ROA2.11
PE Ratio30.70
NPL %0.74
Net Worth179.22
CD Ratio297.20
PEG Value0.35

🏦 Fundamental Overview

Paid-up Capital55,000,000
Net Profit8,451,290
Prev. Quarter Profit4,510,490
Net Profit Growth Rate87.37%
Reserve Surplus43,568,900
Operating Profit13,251,590
Total Assets1,600,706,620
Total Liabilities25,182,160
Deposit386,401,300
Loan101,837,650
Net Interest Income23,604,200
Fee & Commission Income243,370

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS37.37
ROE1.60
ROA1.58
PE Ratio50.50
NPL %0.62
Net Worth163.96
CD Ratio304.01
PEG Value2.37

🏦 Fundamental Overview

Paid-up Capital55,000,000
Net Profit20,555,880
Prev. Quarter Profit16,946,001
Net Profit Growth Rate21.30%
Reserve Surplus35,178,840
Operating Profit31,549,650
Total Assets1,304,484,050
Total Liabilities19,488,650
Deposit333,580,080
Loan880,678,710
Net Interest Income65,038,970
Fee & Commission Income578,140

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS43.86
ROE2.20
ROA2.17
PE Ratio43.03
NPL %0.36
Net Worth159.82
CD Ratio312.15
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital55,000,000
Net Profit18,094,290
Net Profit Growth Rate0.00%
Reserve Surplus32,900,830
Operating Profit28,127,990
Total Assets1,112,317,790
Total Liabilities14,509,240
Deposit282,131,590
Loan761,235,540
Net Interest Income46,603,930
Fee & Commission Income328,750

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS30.14
ROE2.29
ROA2.26
PE Ratio62.62
NPL %0.16
Net Worth168.59
CD Ratio327.09
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital38,500,000
Net Profit11,602,810
Net Profit Growth Rate0.00%
Reserve26,409,350
Operating Profit17,966,120
Total Assets1,025,607,090
Total Liabilities12,938,400
Deposit235,202,860
Loan761,235,540
Net Interest Income29,918,140
Fee & Commission Income3,280,750

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS11.72
ROE2.08
ROA2.06
PE Ratio161.08
Net Worth150.17
CD Ratio352.48
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital38,500,000
Net Profit4,510,490
Net Profit Growth Rate0.00%
Reserve Surplus19,317,030
Operating Profit6,933,530
Total Assets877,748,690
Total Liabilities10,683,560
Deposit191,218,110
Loan674,001,310
Net Interest Income13,966,580

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
EPS44.02
ROE2.49
ROA2.46
PE Ratio42.87
Net Worth138.46
CD Ratio376.70
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital38,500,000
Net Profit16,946,001
Net Profit Growth Rate0.00%
Reserve14,808,001
Operating Profit25,622,001
Total Assets690,068,001
Total Liabilities8,460,000
Deposit153,399,001
Net Interest Income51,503,001
Fee & Commission Income443,001

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%

Overview

As of Sep 28, 2025 | 03:00 PM
LTP1846.00 (-12.00)
Change %-0.65%
Share Outstanding2468657
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%