Citizen Life Insurance Company Limited

Life InsuranceMid Cap

NPR 459.50

NPR +3.5+0.77%

09:14 AM NPT · May 11, 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

456.00

High

459.90

Low

454.00

Prev Close

456.00

Volume

9,558

Turnover

Rs 4,375,752.7

Txns

259

Valuation · Q2 FY25/26

EPS Ann.

9.26

EPS TTM

8.51

BVPS

112.20

P/E Ann.

49.62

P/E TTM

54.00

Graham #

152.89

Capital

Mkt Cap

22.98 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

43.47

ADX

25.72

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

458.59

SMA 50

471.05

Bands & Channels

BB Width %

5.01%

Volume & Flow

OBV

-959,193

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

33,005

Shares Bought

Total Sell

33,005

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

6,889

Amount

3,134,503

Avg Rate

455.00

Rank

#13

Brokers

#69#57#74

Distributors

Quantity

11,203

Amount

5,086,487

Avg Rate

454.03

Rank

#12

Brokers

#45#42#56#29#34

Net Flow Impact:

-4,314units

(Rs. -1,951,984)

Net Flow by Timeframe

CLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,889 ]

Buy Side

Total: 21,953

Broker

QTY

AVG

NET

4,176

454.21

+647

12.7%

3,922

454.58

+3,922

11.9%

2,072

451.80

+326

6.3%

1,826

453.65

+1,146

5.5%

1,640

454.98

+1,037

5.0%

1,141

458.61

+1,053

3.5%

1,013

455.54

+769

3.1%

1,004

451.48

+864

3.0%

961

453.23

+621

2.9%

933

452.77

+106

2.8%

821

458.15

+488

2.5%

770

454.08

+138

2.3%

617

452.92

+527

1.9%

530

458.25

+395

1.6%

527

453.58

+129

1.6%

Sell Side

Total: 19,936

Broker

QTY

AVG

NET

2,806

451.85

-1,987

8.5%

2,736

453.10

-2,079

8.3%

2,533

455.46

-927

7.7%

2,288

456.78

-1,548

6.9%

1,992

455.60

-1,048

6.0%

1,575

452.23

-384

4.8%

1,381

453.47

-970

4.2%

959

452.70

-584

2.9%

816

451.01

-655

2.5%

101

634

452.00

-634

1.9%

549

457.73

-532

1.7%

464

454.65

-208

1.4%

458

451.77

-448

1.4%

453

453.24

-419

1.4%

292

452.48

-279

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	3,377,042	2,971,268	2,553,586	0	+13.66%
Property and Equipment	206,798,110	231,356,518	238,425,712	0	-10.61%
Investment Properties	0.00	0.00	0.00	116408000.00	-
Deferred Tax Assets	353,307,311	642,491,666	637,747,136	0	-45.01%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	26,003,190,572	21,410,528,628	16,756,066,229	9,638,471,000	+21.45%
Loans	1,175,918,285	965,874,958	764,833,839	420,733,000	+21.75%
Reinsurance Assets	0.00	7727225.00	5085701.00	0	-100.00%
Current Tax Assets	668,748,947	535,377,858	384,121,169	0	+24.91%
Insurance Receivables	41,136,646	0	37,320	0	-
Insurance Payable	117,032,691	8,548,155	57,363,605	0	+1269.10%
Other Financial Assets	403,021,102	370,161,789	276,778,477	0	+8.88%
Other Assets	380,561,650	18,855,142	46,661,728	2,316,186,000	+1918.34%
Cash and Cash Equivalent	648,175,541	408,741,608	218,442,506	82,527,000	+58.58%
Total Assets	29,884,235,206	24,594,086,660	19,330,753,404	12,574,325,000	+21.51%
Equity
Share Capital	5,000,000,000	3,937,500,000	3,750,000,000	2,625,000,000	+26.98%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	449,688,265	1,552,037,437	1,552,037,437	0	-71.03%
Catastrophe Reserves	253,525,579	192,825,368	149,615,917	137,618,000	+31.48%
Retained Earnings	356,585,781	838,040,495	689,594,044	1,257,274,000	-57.45%
Other Equity	266,371,473	638,886,389	651,272,622	7,594,655,000	-58.31%
Total Equity	6,326,171,098	7,159,289,689	6,792,520,020	11,614,547,000	-11.64%
Liabilities
Insurance & Contract Liabilities
Provisions	35,765,961	28,506,080	22,689,111	706,359,000	+25.47%
Gross Insurance Contract Liabilities	22,885,488,817	16,925,444,296	12,072,029,193	0	+35.21%
Other Financial Liabilities	343,404,235	279,747,677	210,258,784	0	+22.75%
Other Liabilities	176,372,404	192,550,765	175,892,691	253,419,000	-8.40%
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	0.00	-
Total Liabilities	23,558,064,108	17,434,796,972	12,538,233,384	959,778,000	+35.12%
Total Equity and Liabilities	29,884,235,206	24,594,086,660	19,330,753,404	12,574,325,000	+21.51%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ALICL	458.5	+5.48	+1.21%	0.02	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CREST	1,139.6	+58.08	+5.37%	0.01	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,337.7	+42.73	+3.3%	0.01	0	104.21	-	3.53	8.25	139.08	-	0%	-	4,876.37%	32.74	483.31	0	490.08	209.7	85,305	2.74%	6.42%	4.02%	9.4%
HLI	344.5	+5.49	+1.62%	0.03	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
ILI	443	+5.51	+1.26%	0.02	0.37	114.48	-	10.83	11.72	173.75	-	0%	-	6.81%	7.68	40.58	35.82	40.12	37.07	11.06	2.52%	2.73%	8.78%	9.51%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	818	+1.63	+0.2%	0.04	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLIC	770	+6.19	+0.81%	0.07	0.28	123.29	-	7.11	22.38	249.16	-	0%	-	5.54%	12.56	108.86	0	105.49	33.51	4.1	1.56%	0.83%	33.68%	17.99%
NLICL	586	+4.88	+0.84%	0.03	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	468	-0.98	-0.21%	0.02	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	467	+4.99	+1.08%	0.02	0.35	117.05	-	15.24	11.85	176.66	-	0%	-	10.57%	7.92	30.43	31.96	29.72	38.23	12.88	3.66%	2.85%	13.22%	10.29%
SJLIC	434.6	+3.32	+0.77%	0.02	0.31	117.82	-	8.06	7.1	137.19	-	0%	-	2.62%	7.44	54.4	18.25	53.66	60.92	5.71	0.8%	0.71%	6.94%	6.12%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	455.3	+6.82	+1.52%	0.02	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	395	+2	+0.51%	0.02	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	624.4	11.24	1.41%	0.03	0.264	117.97	-	8.36	9.07	151.25	-	0%	-	485.41%	11.572	121	7.082	122.553	92.695	7,013.196	1.74%	1.92%	9.55%	8.06%
MED	467	5.48	1.08%	0.02	0.28	115.6	-	8.17	8.25	143.48	-	0%	-	5.54%	8.22	57.09	0	56.45	60.92	11.06	1.56%	1.56%	8.56%	7.63%
MAX	1,337.7	58.08	5.37%	0.07	0.51	159.09	-	15.24	22.38	249.16	-	0%	-	4,876.37%	32.74	483.31	35.82	490.08	327.09	85,305	3.66%	6.42%	33.68%	17.99%
MIN	344.5	-0.98	-0.21%	0.01	0	104.21	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	30.43	0	29.72	33.51	4.1	0.3%	0.27%	3.5%	3.56%