Citizen Life Insurance Company Limited

Life InsuranceMid Cap

NPR 443.90

NPR +3.8+0.86%

09:14 AM NPT · Aug 7, 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

440.00

High

446.00

Low

435.10

Prev Close

440.10

Volume

18,558

Turnover

Rs 8,151,631.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.60

EPS TTM

8.55

BVPS

114.75

P/E Ann.

46.24

P/E TTM

51.92

Graham #

157.44

Capital

Mkt Cap

22.2 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)

34.96

ADX

20.14

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

446.43

SMA 50

450.01

Bands & Channels

BB Width %

5.96%

Volume & Flow

OBV

-1,093,236

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

42,975

Shares Bought

Total Sell

42,975

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

18,476

Amount

8,185,912

Avg Rate

443.06

Rank

#10

Brokers

#77#56#1#41

Distributors

Quantity

17,307

Amount

7,599,191

Avg Rate

439.08

Rank

#12

Brokers

#29#34#16#17

Net Flow Impact:

+1,169units

(Rs. 586,722)

Net Flow by Timeframe

CLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 63,068 ]

Buy Side

Total: 31,161

Broker

QTY

AVG

NET

7,600

442.35

+6,574

17.7%

5,054

442.71

+4,711

11.8%

3,220

442.17

+2,221

7.5%

2,602

446.90

+1,926

6.0%

2,501

438.75

+1,823

5.8%

2,036

435.73

+1,380

4.7%

1,912

443.38

+1,904

4.5%

1,271

440.26

+1,146

3.0%

1,102

440.51

+109

2.6%

1,062

441.83

+1,046

2.5%

750

446.94

+134

1.8%

567

441.42

+476

1.3%

526

443.17

+248

1.2%

500

444.41

+474

1.2%

458

443.08

+140

1.1%

Sell Side

Total: 31,907

Broker

QTY

AVG

NET

8,493

437.12

-8,413

19.8%

4,848

441.53

-4,491

11.3%

2,712

442.82

-114

6.3%

2,251

439.46

-1,671

5.2%

1,861

444.07

-653

4.3%

1,715

441.36

-1,715

4.0%

1,645

442.48

-629

3.8%

1,568

444.01

-1,068

3.6%

1,564

442.33

-1,019

3.6%

1,214

444.33

-1,025

2.8%

1,124

444.68

-1,114

2.6%

924

446.11

-327

2.1%

707

442.16

-447

1.6%

690

443.18

-493

1.6%

591

445.58

-316

1.4%

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	422	-2.8	-0.66%	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	1,189	-5.01	-0.42%	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	1,105	+0.99	+0.09%	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	319.7	-0.19	-0.06%	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	412.4	+1.19	+0.29%	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	774.9	-1.09	-0.14%	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	739.8	-4.02	-0.54%	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	562	-7.98	-1.4%	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	437.5	-1.18	-0.27%	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	431.7	-0.78	-0.18%	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	412.6	-1.62	-0.39%	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	414	-1.29	-0.31%	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	374	-1.01	-0.27%	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	584.2	-1.91	-0.33%	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	431.7	-1.18	-0.27%	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	1,189	1.19	0.29%	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	319.7	-7.98	-1.4%	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%