Citizen Life Insurance Company Limited

Life InsuranceMid Cap

NPR 440.00

NPR -3.9-0.88%

09:14 AM NPT · Aug 10, 2026

Est. June 26, 2007 · Ambe Complex, Kathmandu, Nepal · CEO: Poshak Paudel

Citizen Life Insurance Company Ltd, established on June 26, 2007, is one of Nepal’s fast-growing life insurance institutions dedicated to providing comprehensive and innovative insurance solutions to individuals and families nationwide. Headquartered at Ambe Complex, Kathmandu, the company operates under the leadership of CEO Poshak Paudel, with a strong focus on financial protection, long-term savings, and customer-centric insurance services. Citizen Life Insurance offers a diverse portfolio of life insurance products, including endowment and savings plans, term and whole-life policies, child education plans, retirement solutions, money-back schemes, and group insurance services. The company also provides investment-linked products, health and accidental coverage riders, and digital insurance facilities to ensure accessibility and convenience for modern policyholders. With a workforce of approximately 82 to 134 employees, Citizen Life emphasizes strong underwriting standards, efficient claim settlement, and transparent customer service. The company is committed to financial literacy, digital transformation, and innovative product design aimed at improving the financial security and wellbeing of Nepalese citizens. Through responsible insurance practices, professional governance, and a growing nationwide presence, Citizen Life Insurance Company Ltd continues to strengthen its reputation as a trusted provider of life insurance and long-term financial solutions in Nepal.

citizenlifenepal.com/facebook

Trading

Open

442.00

High

442.00

Low

436.30

Prev Close

443.90

Volume

4,963

Turnover

Rs 2,179,565.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.60

EPS TTM

8.55

BVPS

114.75

P/E Ann.

45.83

P/E TTM

51.46

Graham #

157.44

Capital

Mkt Cap

22.0 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

36.66

ADX

22.55

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

446.63

SMA 50

449.48

Bands & Channels

BB Width %

5.71%

Volume & Flow

OBV

-1,098,288

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

41,270

Shares Bought

Total Sell

41,270

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

17,681

Amount

7,810,327

Avg Rate

441.74

Rank

Brokers

#77#56#1#57

Distributors

Quantity

17,654

Amount

7,749,595

Avg Rate

438.97

Rank

#10

Brokers

#29#34#17#16

Net Flow Impact:

+27units

(Rs. 60,732)

Net Flow by Timeframe

CLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 57,816 ]

Buy Side

Total: 30,755

Broker

QTY

AVG

NET

7,512

442.24

+6,486

18.2%

5,050

442.71

+4,759

12.2%

2,871

441.69

+1,885

7.0%

2,691

441.50

+15

6.5%

2,248

437.91

+1,794

5.5%

2,069

435.79

+1,372

5.0%

1,975

440.17

+394

4.8%

1,250

439.20

+625

3.0%

1,075

439.93

+650

2.6%

1,043

441.16

+691

2.5%

693

440.70

+615

1.7%

681

441.01

+19

1.6%

597

440.30

+193

1.4%

500

443.10

+251

1.2%

500

437.00

+458

1.2%

Sell Side

Total: 27,061

Broker

QTY

AVG

NET

8,512

437.07

-8,481

20.6%

5,324

441.27

-4,992

12.9%

2,139

439.05

-1,726

5.2%

1,767

443.27

-327

4.3%

1,679

441.23

-1,679

4.1%

1,345

441.26

-118

3.3%

1,124

444.59

-1,114

2.7%

993

440.39

-493

2.4%

724

443.97

-245

1.8%

699

441.87

-277

1.7%

690

442.97

-493

1.7%

644

441.35

-374

1.6%

482

439.69

-307

1.2%

476

439.89

-425

1.1%

463

444.00

-463

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	3,182	2,882	2,522	0	+10.41%
Property and Equipment	206,395	224,982	244,571	0	-8.26%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	294,293	686,533	644,505	0	-57.13%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	28,199,149	22,729,453	17,877,553	0	+24.06%
Loans	1,207,845	1,003,087	796,130	0	+20.41%
Reinsurance Assets	5,236	2,379	3,920	0	+120.10%
Current Tax Assets	722,053	557,283	413,387	0	+29.57%
Insurance Receivables	12,391	80,239	204,354	0	-84.56%
Insurance Payable	0.00	10408.68	217765.69	0	-100.00%
Other Financial Assets	407,580	324,413	246,716	0	+25.64%
Other Assets	7,296	5,835	45,073	0	+25.06%
Cash and Cash Equivalent	725,659	339,952	167,893	0	+113.46%
Total Assets	31,791,081	25,957,038	20,646,625	0	+22.48%
Equity
Share Capital	5,000,000	5,000,000	3,937,500	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	449,688	449,688	1,552,037	0	0.00%
Catastrophe Reserves	266,377	211,212	165,380	0	+26.12%
Retained Earnings	470,964	984,512	631,742	0	-52.16%
Other Equity	371,276	700,016	632,435	0	-46.96%
Total Equity	6,558,305	7,345,428	6,919,095	0	-10.72%
Liabilities
Insurance & Contract Liabilities
Provisions	35,766	28,506	22,689	0	+25.47%
Gross Insurance Contract Liabilities	24,637,660	18,102,753	13,076,427	0	+36.10%
Other Financial Liabilities	394,150	261,223	222,146	0	+50.89%
Other Liabilities	165,200	208,718	188,500	0	-20.85%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	25,232,775	18,611,609	13,727,527	0	+35.58%
Total Equity and Liabilities	31,791,081	25,957,038	20,646,622	0	+22.48%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	Combined Expense Ratio	Commission Expense Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	418	-4.01	-0.95%	0.02	0.24	120.79	123.54	8.21	9	9.26	8.44	151.45	4.62	110.88	4.45	3.45	5.12	50.09	-	54.38	3.07	98.16	0.8	0.74%	8.95	8.16%
CREST	1,179.7	-9.27	-0.78%	0.01	0.45	106.86	83.78	9.21	0.47	2.15	3.24	88.26	6.36	59.79	14.78	3.32	16.08	599.53	38.98	387.19	35.39	75.86	1.49	2.25%	2.05	3.1%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,100	-4.97	-0.45%	0.01	0.49	104.39	106.46	8.84	0.59	2.59	6.31	121.74	5.25	85.46	12.16	3.56	20.04	605.75	-	210.62	38.38	84.53	1.76	4.29%	2.49	6.08%
HLI	317	-2.69	-0.84%	0.03	0.25	116.41	127.37	8.06	8.51	3.81	3.68	98.18	4.63	113.15	6.16	1.5	4.14	94.78	-	92.91	2.54	97.49	0.36	0.35%	3.25	3.14%
ILI	408.2	-4.21	-1.02%	0.02	0.37	116.41	107.54	8.7	3.11	9.81	11.7	175.06	4.86	91.5	7.34	6	5.11	45.46	109.78	37.74	4.85	97.15	2.2	2.63%	8.55	10.19%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	770	-4.88	-0.63%	0.04	0.22	160.81	144.74	7.1	16.46	7.77	7.28	162.3	5.62	134.77	2.87	1.31	6.88	106.82	4.47	112.36	2.5	99.52	0.28	0.26%	4.77	4.47%
NLIC	738	-1.78	-0.24%	0.07	0.26	124.53	131.55	7.45	23.87	6.4	4.28	109.51	5.1	121.52	2.58	0.86	8.35	121.88	-	179.35	1.88	98.92	0.21	0.15%	5.19	3.47%
NLICL	567	+5	+0.89%	0.03	0.27	122.4	121.15	10.2	15.22	9.76	7.4	142.76	1.11	107.7	3.25	1.97	6.47	60.86	-	80.41	2.13	97.58	0.52	0.39%	8.13	6.17%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	433	-4.51	-1.03%	0.02	0.31	108.87	111.9	9.54	3.11	6.91	7.07	131.6	4.07	93.97	8.39	5.43	5.9	69.75	-	68.03	6.74	96.26	1.68	1.72%	6.43	6.57%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	424	-7.68	-1.78%	0.02	0.32	118.47	109.07	9.69	2.73	12.07	11.06	171.7	5.04	91.24	8.14	8.53	5.24	38.61	-	42.9	5.86	94.45	2.76	2.53%	10.35	9.48%
SJLIC	410	-2.6	-0.63%	0.02	0.3	119.69	123.71	8.59	8.31	8.79	7.68	143.81	5.42	108.57	6.55	2.84	4.96	50.63	4.26	57.03	2.56	98.51	0.85	0.74%	7.44	6.5%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	412	-1.99	-0.48%	0.02	0.31	110.22	101.54	9.31	2.09	8.58	11.33	167.62	4.51	83.09	9.14	8.15	5.54	53.4	-	40.07	7.74	96.47	2.51	3.31%	8.4	11.1%
SRLI	368.6	-5.39	-1.44%	0.02	0.32	110.06	111.91	10.17	4.43	9.06	7.59	137.1	4.42	94.03	7.71	5.19	4.85	44.17	50.84	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	580.42	-3.77	-0.72%	0.03	0.316	118.45	115.71	8.85	7.53	7.46	7.47	138.55	4.69	99.67	7.19	4.01	7.591	149.36	41.666	109.001	9.055	94.74	1.31	1.6%	6.48	6.57%
MED	424	-4.21	-0.78%	0.02	0.31	116.41	111.91	8.84	4.43	8.58	7.4	142.76	4.86	94.03	7.34	3.45	5.54	60.86	38.98	68.03	4.08	97.15	1.49	1.38%	7.44	6.5%
MAX	1,179.7	5	0.89%	0.07	0.49	160.81	144.74	10.2	23.87	12.07	11.7	175.06	6.36	134.77	14.78	8.53	20.04	605.75	109.78	387.19	38.38	99.52	2.76	4.29%	10.35	11.1%
MIN	317	-9.27	-1.78%	0.01	0.22	104.39	83.78	7.1	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	38.61	4.26	37.74	1.88	75.86	0.21	0.15%	2.05	3.1%