Citizen Life Insurance Company Limited

Life InsuranceMid Cap

NPR 442.00

NPR +1.5+0.34%

09:14 AM NPT · Nov 6, 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

439.00

High

445.00

Low

438.00

Prev Close

440.50

Volume

9,368

Turnover

Rs 4,139,772.7

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.82

EPS TTM

7.82

BVPS

115.36

P/E Ann.

56.52

P/E TTM

56.52

Graham #

142.47

Capital

Mkt Cap

22.1 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

52.93

ADX

49.27

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

439.2

SMA 50

432.52

Bands & Channels

BB Width %

6.56%

Volume & Flow

OBV

-1,183,277

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

53,267

Shares Bought

Total Sell

53,267

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

17,708

Amount

7,874,929

Avg Rate

444.71

Rank

#12

Brokers

#14#64#34

Distributors

Quantity

20,187

Amount

8,966,793

Avg Rate

444.19

Rank

#13

Brokers

#16#56#48#92#58

Net Flow Impact:

-2,479units

(Rs. -1,091,864)

Net Flow by Timeframe

CLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 75,384 ]

Buy Side

Total: 38,053

Broker

QTY

AVG

NET

7,861

445.26

+7,770

14.8%

5,082

444.63

+5,082

9.5%

4,765

443.88

+4,419

8.9%

4,317

444.89

+2,807

8.1%

3,124

440.40

+2,146

5.9%

2,420

441.50

+2,050

4.5%

1,905

445.27

+885

3.6%

1,650

443.83

+998

3.1%

1,650

445.49

+850

3.1%

1,200

444.46

+1,200

2.3%

1,143

441.99

+490

2.1%

970

444.07

+884

1.8%

888

444.81

+621

1.7%

578

445.00

+32

1.1%

500

445.10

+500

0.9%

Sell Side

Total: 37,331

Broker

QTY

AVG

NET

5,591

446.20

-4,591

10.5%

5,095

444.46

-980

9.6%

4,836

441.80

-4,373

9.1%

3,656

443.94

-2,101

6.9%

3,604

443.35

-3,524

6.8%

2,500

445.88

-2,500

4.7%

1,732

442.82

-1,406

3.3%

1,692

443.62

-315

3.2%

1,380

442.68

-1,380

2.6%

1,340

441.05

-1,320

2.5%

1,269

444.83

-1,169

2.4%

1,268

440.25

-1,203

2.4%

1,258

444.96

-935

2.4%

1,096

445.50

-797

2.1%

1,014

444.02

-388

1.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	5,478	3,767	2,823	0	+45.42%
Property and Equipment	203,627	214,526	231,236	0	-5.08%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	313,990	655,118	629,916	0	-52.07%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	30,529,211	24,044,189	19,079,801	0	+26.97%
Loans	1,258,329	1,048,987	811,431	0	+19.96%
Reinsurance Assets	109.05	432.00	2634.00	0	-74.76%
Current Tax Assets	745,966	581,424	460,172	0	+28.30%
Insurance Receivables	38,971	40,624	11,491	0	-4.07%
Insurance Payable	45,084	20,721	13,795	0	+117.58%
Other Financial Assets	452,244	381,846	306,003	0	+18.44%
Other Assets	6,303	707,554	10,092	0	-99.11%
Cash and Cash Equivalent	857,581	416,270	412,303	0	+106.02%
Total Assets	34,411,808	28,094,737	21,957,903	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	269,453	217,949	169,728	0	+23.63%
Retained Earnings	498,340	1,039,952	632,476	0	-52.08%
Other Equity	362,638	727,833	675,928	0	-50.18%
Total Equity	6,580,120	7,435,422	6,967,669	0	-11.50%
Liabilities
Insurance & Contract Liabilities
Provisions	35,766	35,766	28,506	0	0.00%
Gross Insurance Contract Liabilities	27,149,132	19,998,308	14,442,934	0	+35.76%
Other Financial Liabilities	389,303	395,887	250,142	0	-1.66%
Other Liabilities	212,403	208,634	254,858	0	+1.81%
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	27,831,688	20,659,316	14,990,234	0	+34.72%
Total Equity and Liabilities	34,411,808	28,094,737	21,957,903	0	+22.48%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q4

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)	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	422.2	-1.78	-0.42%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CREST	1,192	+147.12	+14.08%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	886	-1.51	-0.17%	0.01	0.48	104.58	101.43	8.92	0.66	2.14	2.14	70.96	6.87	80.96	11.55	2.79	11.19	546.68	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	303	-0.3	-0.1%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	443	+0.31	+0.07%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	799	+2.07	+0.26%	0.04	0.22	162.36	141.93	7.21	16.74	7.38	7.38	164.19	7.4	131.75	2.97	1.21	4.86	107.02	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	740	+1.03	+0.14%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	580	-0.99	-0.17%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	429	+1.58	+0.37%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	446	-3.01	-0.67%	0.02	0.32	121.18	106.28	9.89	3.02	11.21	11.21	174.83	6.11	88.19	8.2	7.42	3.63	39.25	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	429.9	-0.3	-0.07%	0.02	0.31	121.29	120.27	8.79	9.02	7.59	7.59	143.92	6.75	105.44	6.04	2.22	3.41	54.41	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	416	+2.19	+0.53%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	378.1	+1.09	+0.29%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	574.17	11.35	1.09%	0.03	0.317	118.4	113.79	8.97	7.79	6.6	6.6	127.79	6.34	97.94	6.87	3.29	5.145	368.35	347.801	4.261	94.71	1.07	1.07%	5.6	5.6%
MED	443	0.31	0.07%	0.02	0.31	116.61	109.38	8.98	4.79	7.38	7.38	138.15	6.13	91.89	6.86	2.79	3.78	61.17	60.99	1.98	97.07	0.69	0.69%	6.35	6.35%
MAX	1,192	147.12	14.08%	0.07	0.48	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.62	131.75	14.72	7.42	12.17	3,455	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	303	-3.01	-0.67%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	2.76	34.93	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%