Compare · Microfinance
FOWAD vs SWBBL
Forward Microfinance Laghubitta Bittiya Sanstha and Swabalamban Laghubitta Bittiya Sanstha, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Forward Microfinance Laghubitta Bittiya Sanstha Limited
Swabalamban Laghubitta Bittiya Sanstha Limited
Rs 100 became…
- FOWADRs 100 becameRs 83.61−16.39% down in 1 year
- SWBBLRs 100 becameRs 96.43−3.57% down in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, FOWAD (Forward Microfinance Laghubitta Bittiya Sanstha Limited) closed at Rs 903.00 and SWBBL (Swabalamban Laghubitta Bittiya Sanstha Limited) at Rs 712.90. Over the past year, Rs 100 in FOWAD became Rs 84 (−16.39%) and in SWBBL Rs 96 (−3.57%), adjusted for bonus shares.
SWBBL is the larger company by market value, Rs 1,248 crore against Rs 1,080 crore. Of the 49 microfinance Punji covers, FOWAD is 8th by market value and SWBBL 7th. Cash dividends with a book closure in the last 12 months yield nothing on FOWAD and 0.61% on SWBBL at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| FOWADMicrofinance | SWBBLMicrofinance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 903.00 | 712.90 |
| Change, as NEPSE published | +1.46% up | +1.12% up |
| Rs 100 became, 1 year | Rs 83.61 | Rs 96.43, the higher figure |
| Return, 1 month | +0.89% up | +1.99% up, the higher figure |
| Return, 1 year | −16.39% down | −3.57% down, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 1,080 cr | Rs 1,248 cr, the higher figure |
| Listed shares | 1.20 crore | 1.75 crore, the higher figure |
| Promoter and public | Promoter 70.0%Public 30.0% | Promoter 51.0%Public 49.0% |
| Dividends | ||
| Cash dividend yield, 12 months | None in 12 months | 0.61% |
| Latest declaration | None declared2081/82 | 4.364% cash · 5.637% bonus2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 9.02 cr | Rs 15.34 cr, the higher figure |
| Shares traded, latest session | 1,448 | 3,334, the higher figure |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | FOWAD | SWBBL |
|---|---|---|
| 2081/82 | None declared | 4.364% cash · 5.637% bonus |
| 2080/81 | 0.3% cash · 13.3% bonus | 0.75% cash · 14.25% bonus |
| 2079/80 | None declared | 0.651% cash · 12.36% bonus |
| 2078/79 | 5% cash · 25% bonus | 6.05% cash · 15% bonus |
| 2077/78 | 7% cash · 35% bonus | 6% cash · 19% bonus |
Against the microfinance
Rank among the 49 microfinance Punji covers (1st is the highest), and the sector median.
| FOWAD | Sector median | SWBBL | |
|---|---|---|---|
| Return, 1 year | −16.39% 33rd of 48 | Median −10.08% | −3.57% 15th of 48 |
| Cash dividend yield | No cash dividend in 12 months | Median 0.08% | 0.61% 5th of 19 |
| Market value | Rs 1,080 cr 8th of 49 | Median Rs 445 cr | Rs 1,248 cr 7th of 49 |
| Traded value, 30 days | Rs 9.02 cr 21st of 49 | Median Rs 7.36 cr | Rs 15.34 cr 11th of 49 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
FOWAD or SWBBL: questions
Which is bigger, FOWAD or SWBBL?
SWBBL is larger by market value: Rs 1,248 crore, against Rs 1,080 crore for FOWAD, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, FOWAD or SWBBL?
Over the past year, Rs 100 in FOWAD became Rs 84 (−16.39%) and in SWBBL Rs 96 (−3.57%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, FOWAD or SWBBL?
FOWAD last declared no dividend for 2081/82; SWBBL last declared 4.364% cash and 5.637% bonus for 2081/82. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy FOWAD or SWBBL?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: FOWAD stock page, SWBBL stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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