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GFCL ( Goodwill Finance Co. Ltd. )

ISIN Number : NPE124A00005

As of Mar 30, 2021
252.00
4
1.56 %
Open
256
High
254
Low
251
Volume
1744
Prev. Close
256
Bid Price
154 ( 1000 )
Ask Price
156 ( 499 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 218.53 करोड
Outstanding Shares
8672000
Book Value
154.07
PBV
1.64
Stock P/E
19.69
Dividend ( 2075/2076 )
10 %
EPS
12.8
PB X PE
32.2
ROE
--
ROA
--
CAR
17.03
Industrial PE
7.27
Industrial EPS
9.24
52 Weeks High-Low
298 - 134
Lifetime High-Low
560 - 100
180 Day Average Price
247.97
PROMOTER SHARE VALUE
Goodwill Finance Co. Ltd. Promoter Share ( GFCLPO )
Open
110.00
High
110.00
Low
110.00
Close
110.00
Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year ---
5 Years
-18.18%
COMPETITORS
Name chg % Market cap
GMFIL 0.00 % रू 185.76 करोड
GUFL 0.22 % रू 394.94 करोड
PFL 0.38 % रू 241.25 करोड
RLFL 0.84 % रू 197.28 करोड
SIFC 0.00 % रू 195.83 करोड
MORE ON WEB
No floorsheets were found.
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 31, 2021)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
52 --- --- --- --- --- --- रू 0 रू 0
55 --- --- --- --- --- --- रू 0 रू 0
1 --- --- --- --- --- --- रू 0 रू 0
5 --- --- --- --- --- --- रू 0 रू 0
7_RWS --- --- --- --- --- --- रू 0 रू 0
11 --- --- --- --- --- --- रू 0 रू 0
14_RWS --- --- --- --- --- --- रू 0 रू 0
19 --- --- --- --- --- --- रू 0 रू 0
22 --- --- --- --- --- --- रू 0 रू 0
28 --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Cash and cash equivalent 1,497,732,348 1,785,541,773 211,399,865
Due from Nepal Rastra Bank 320,986,117 306,655,141 30,089,198
Placement with Bank and Financial Institutions
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis 200,000,000 154,781,172 24,478,117
Loan and advances to Customers 7,083,531,256 6,416,469,982 602,748,036
Investment Securities 2,710,221,326 2,758,063,402 813,952,783
Current Tax Assets
Investment in Subsidiaries
Investment in Associates
Investment Property 51,572,816 51,572,816 63,901,251
Property and Equipment 339,030,748 342,436,689 338,713,026
Goodwill and Intangible assets 635,006 793,757 793,757
Deferred Tax Assets
Other Assets 332,265,809 223,310,217 201,849,878
Total Assets 12,535,975,425 12,039,624,950 10,106,362,866
Liabilities
Due to bank and Financial Institutions 925,544,939 2,455,882 508,024,484
Due to Nepal Rastra Bank 50,910,060 11,722,825 89,019,583
Derivative Financial Instrument
Deposit from Customers 8,306,667,851 8,618,128,734 7,925,363,844
Borrowings 1,330,000,000 1,600,000,000
Current Tax Liabilities 23,413,421 29,811,916 26,325,288
Provisions 42,802,653
Deferred Tax Liabilities
Other Liabilities 315,891,683 241,907,573 215,675,631
Debt securities issued 247,449,223 247,370,331
Subordinated Liabilities
Total Liabilities 11,199,877,186 10,751,397,260 8,807,211,484
Total Liabilities 11,199,877,186 10,751,397,260 8,807,211,484
Equity
Share Capital 867,200,000 800,000,000 800,000,000
Share Premium 2,475,548 2,475,548 2,475,548
Retained Earnings 54,302,908 99,934,567 145,429,910
Reserves 412,119,783 385,817,575 351,245,923
Total equity attributable to equity holders 1,336,098,238 1,288,227,689 1,299,151,381
Non-controlling interest
Total Equity 1,336,098,238 1,288,227,689 1,299,151,381
Total Liabilities and Equity 12,535,975,425 12,039,624,950 10,106,362,866

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 455,545,721 253,924,033 497,984,210
Interest Expense -373,503,208 -191,775,673 -382,566,483
Net interest Income 82,042,441 62,148,360 115,417,727
Fees and Commission Income 51,936,730 953,044 1,513,428
Fees and Commission Expense
Net fee and commission income 51,936,730 953,044 1,513,428
Net interest, fee and commission income 133,979,171 63,101,404 116,931,155
Net Trading income
Other Operating Income 58,501,173 43,229,313 61,883,872
Total Operating Income 192,480,344 106,330,717 178,815,027
Impairment charge/(reversal) for loans and other losses 33,642,416 26,825,290 3,448,237
Net Operating Income 158,837,928 79,505,428 175,366,790
Loans and Other Losses
Operating Expenses
Personal Expense -44,280,600 -21,228,727 -46,407,284
Other Operating Expense -27,539,545 -12,700,914 -35,072,703
Depreciation and Amortization -8,550,000 -4,275,000 -8,400,000
Operating Profit 78,467,783 41,300,786 85,486,802
Non operating Income 437,000 56,000 952,117
Non operating expenses
Profit before Income Tax 78,904,783 41,356,786 86,438,919
Income tax Expenses
   Current Tax -23,413,421 -12,196,883 -26,325,288
   Deferred Tax
Profit/(loss) for the period 55,491,362 29,159,903 60,113,631

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Profit/(loss) for the period 55,491,362 29,159,903 60,113,631
Other Comprehensive Income 70,315,120 27,864,413 -16,479,444
Total Comprehensive Income 125,806,483 57,024,316 43,634,187
Basic Earning per share 13 15 8
Diluted Earning per share 13 15 8
Profit attributable to:
   Equity holders of the Bank 125,806,483 57,024,316 43,634,187
   Non-controlling interests
Total 125,806,483 57,024,316 43,634,187
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended 55,491,362 29,159,903
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve -11,098,272 -5,831,981
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund -554,914 -291,599
e. Employees Training Fund
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve -19,135,276 -28,011,689
b. Transfer from Regulator Reserve 50,787,045
Net Profit for quarter end available for distribution 24,702,900 45,811,680

Ratios as per NRB Directives

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Capital fund to RWA 17 21 18
Non-Performing Loan (NPL) to Total loan 1 2 1
Total Loan Loss provision to Total NPL 184 154 10
Cost of Funds 7 8 184
Credit to Deposit Ratio 73 69 70
Base Rate 10 10 12
Interest Rate Spread 5 5 5
Net Interest income to total income
Non Interest Income to Operating Cost
Interest Expenses to Interest Income
Shareholder's Equity
Number of Outstanding Share
Net Worth Per Share 154 161 162
Earning Per share (EPS Annualized) 13 15 8
PE Ratio 18 13 9
Price to Book Ratio
Return on Equity (Closing Annualized)
Return on Asset
Market Price High-Low
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
GFCL 252 4 --- --- --- --- ---
GMFIL 215 --- --- --- --- --- ---
GUFL 455 1 --- --- --- --- ---
PFL 263 1 --- --- --- --- ---
RLFL 237 2 --- --- --- --- ---
SIFC 220 --- --- --- --- --- ---
COMPANY INSIGHTS
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 -- 10 % 10 % 2020-01-21 -- --
2 2074/2075 -- 5.26 % 5.26 % 2019-03-21 -- --
3 2073/2074 10.19 % 0.54 % 10.73 % -- -- --
4 2072/2073 25 % 1.32 % 26.32 % 2017-01-05 -- --
5 2071/2072 -- 10 % 10 % 2016-04-11 -- --
6 2070/2071 6.28 % 7.72 % 14 % 2015-01-12 -- --
Company Information
Registered Office
Head Office Location : Hattisar,Kamalpokhari , Kathmandu
Email : gfcl@gfcl.com
Phone : 01-4444039
Website : https://www.goodwillfinance.com.np/
Registered At :
Share Registrar ( RTS )
Name : NIBL Ace Capital Limited
Email : info@niblcapital.com
Phone : 1-4005157, 1-4425280
Address : Lazimpat Kathmandu, Nepal
Website : https://niblcapital.com
Management
Name Designation
Saroj Kaji Tuladhar Chief Executive Officer
Raja Ram Joshi Chairman
Jayakar Prasad Gauchan Director Promotor
Swarga Man Singh Shrestha Director Promotor
Dilip Kumar Munankarmi Director Promotor
Bishwa Prakash Saakha Director Public Shareholders
Uttam Raj Kayastha Director Public ShareHolder
Pashupati Bhakta Shrestha Director Public ShareHolder
About Company

Goodwill Finance Co. Ltd.

Vision:
To be the best financial service provider in the basis of operational excellence, while establishing a successful relationship with our customers.
Mission:
To become a market leader in financial sector, known for its high profitability, customer centric quality products and outstanding services to its customers and high rate of significant and attractive returns to its