Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,196.90

NPR -2-0.17%

09:14 AM NPT · Jun 29, 2026

Est. 2022 A.D. (Established as a dedicated micro life insurance company under Nepal’s insurance regulatory framework) · Surkhet, Nepal (Head Office) – Regional Office: Kathmandu, Nepal · CEO: Pratap Man Shrestha

Crest Micro Life Insurance Limited is a relatively new but growing entrant in Nepal’s life insurance sector, established to provide accessible, affordable, and dependable micro-life insurance solutions tailored especially for low-income and underserved populations across Nepal. CREST aims to bridge the gap in traditional insurance coverage, offering a range of micro-insurance products designed to meet the needs and budgets of everyday Nepali families. Its product portfolio includes term micro life insurance, micro-endowment plans, money-back micro-life policies, and upcoming plans such as joint-life insurance and child micro-life insurance reflecting its goal to deliver inclusive and flexible life-insurance coverage. As a licensed micro-life insurer regulated by the national insurance authority under Nepal’s insurance regulatory framework CREST has quickly built a presence across provinces, operating offices and branch networks throughout Nepal to ensure broad access. For policyholders, CREST emphasizes simplicity, transparency, and affordability: its offerings are designed to require minimal documentation, be accessible to those with modest incomes, and provide essential coverage offering protection and peace of mind in case of unforeseen events. Recent developments have also seen CREST launch a public offering: as of 2024, it initiated an IPO to expand its shareholder base and increase public participation.

cmli.com.np/

Trading

Open

1,185.00

High

1,256.00

Low

1,137.10

Prev Close

1,198.90

Volume

5,673

Turnover

Rs 6,719,577.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

2.15

EPS TTM

3.24

BVPS

106.86

P/E Ann.

556.70

P/E TTM

369.41

Graham #

71.90

Capital

Mkt Cap

8.98 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

28.36

ADX

57.19

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1258.31

SMA 50

1208.9

Bands & Channels

BB Width %

16.17%

Volume & Flow

OBV

-1,155,057

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

51,274

Shares Bought

Total Sell

51,274

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

5,942

Amount

6,978,709

Avg Rate

1174.47

Rank

#12

Brokers

#49#6#39

Distributors

Quantity

4,550

Amount

5,457,187

Avg Rate

1199.38

Rank

#12

Brokers

#41#66#34#3

Net Flow Impact:

+1,392units

(Rs. 1,521,522)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 55,615 ]

Buy Side

Total: 18,681

Broker

QTY

AVG

NET

3,122

1169.68

+612

6.1%

2,310

1172.11

+1,630

4.5%

2,203

1173.55

+463

4.3%

2,057

1168.41

+1,547

4.0%

2,030

1182.85

+605

4.0%

1,575

1185.86

+1,049

3.1%

966

1178.19

+709

1.9%

906

1193.48

+476

1.8%

800

1166.10

+370

1.6%

550

1182.09

+180

1.1%

500

1165.48

+500

1.0%

465

1188.96

+78

0.9%

442

1175.66

+157

0.9%

400

1230.92

+135

0.8%

355

1177.13

+105

0.7%

Sell Side

Total: 36,934

Broker

QTY

AVG

NET

24,173

1180.24

-527

47.1%

1,615

1167.80

-665

3.1%

1,485

1191.17

-1,370

2.9%

1,165

1199.99

-830

2.3%

1,165

1204.64

-671

2.3%

1,030

1185.31

-1,030

2.0%

1,010

1220.40

-220

2.0%

870

1229.26

-745

1.7%

723

1209.97

-326

1.4%

670

1211.20

-340

1.3%

670

1203.75

-370

1.3%

640

1199.17

-620

1.3%

630

1172.26

-50

1.2%

549

1208.15

-139

1.1%

539

1176.37

-539

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	1,296	1,561	1,582	0	-16.98%
Property and Equipment	32,509	32,824	37,625	0	-0.96%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	31,978	7,200	0	0	+344.16%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	669,023	746,650	518,000	0	-10.40%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	46,500	3,000	3,021	0	+1450.17%
Current Tax Assets	9,815	5,170	1,964	0	+89.84%
Insurance Receivables	43,566	23,409	0	0	+86.11%
Insurance Payable	0.00	174.82	1896.66	0	-100.00%
Other Financial Assets	0.00	16967.53	0.00	0	-100.00%
Other Assets	3,947	5,857	1,636	0	-32.61%
Cash and Cash Equivalent	375,055	99,181	15,225	0	+278.15%
Total Assets	1,213,689	941,818	579,053	0	+28.87%
Equity
Share Capital	750,000	750,000	525,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	5,795	2,048	636	0	+182.90%
Retained Earnings	45,631	12,200	5,221	0	+274.02%
Other Equity	32,340	7,333	64	0	+341.04%
Total Equity	833,765	771,581	530,921	0	+8.06%
Liabilities
Insurance & Contract Liabilities
Provisions	3,046	1,611	184	0	+89.15%
Gross Insurance Contract Liabilities	349,732	149,766	29,262	0	+133.52%
Other Financial Liabilities	14,142	4,782	3,895	0	+195.71%
Other Liabilities	13,004	13,903	12,453	0	-6.46%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	441.72	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	379,924	170,237	48,132	0	+123.17%
Total Equity and Liabilities	1,213,689	941,818	579,053	0	+28.87%

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	436.9	-3.21	-0.73%	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%
CLI	445	-2.51	-0.56%	0.02	0.35	114.75	113.74	9.46	4.4	9.6	8.55	148.58	5.32	98.88	5.4	4.75	5.41	48.54	76.97	54.44	4.1	95.55	1.65	1.48%	8.04	7.16%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,170	+3.03	+0.26%	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	324.8	-4.11	-1.25%	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	417.3	-3.7	-0.88%	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	798.6	-6.28	-0.78%	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	741	-6.5	-0.87%	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	570	+2.89	+0.51%	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	450.1	-5.19	-1.14%	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	447.4	-3.61	-0.8%	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	421	-1.99	-0.47%	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	434	-3.99	-0.91%	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	380	-2.99	-0.78%	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	541.24	-2.93	-0.65%	0.03	0.308	119.06	118.02	8.87	7.83	8.03	7.87	143.19	4.61	102.67	6.47	4.12	6.77	106.98	49.264	83.405	6.648	96.26	1.33	1.54%	6.94	6.88%
MED	445	-3.61	-0.78%	0.02	0.31	116.41	113.74	8.84	4.43	8.79	7.59	143.81	4.86	98.88	6.55	3.56	5.41	53.4	50.84	57.03	4.08	97.15	1.65	1.38%	8.04	6.57%
MAX	1,170	3.03	0.51%	0.07	0.49	160.81	144.74	10.2	23.87	12.07	11.7	175.06	5.62	134.77	12.16	8.53	20.04	605.75	109.78	210.62	38.38	99.52	2.76	4.29%	10.35	11.1%
MIN	324.8	-6.5	-1.25%	0.01	0.22	104.39	101.54	7.1	0.59	2.59	3.68	98.18	1.11	83.09	2.58	0.86	4.14	38.61	4.26	37.74	1.88	84.53	0.21	0.15%	2.49	3.14%