Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,099.00

NPR +4.1+0.37%

09:14 AM NPT · Sep 24, 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

1,085.00

High

1,099.00

Low

1,070.00

Prev Close

1,094.90

Volume

3,672

Turnover

Rs 3,964,764.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

0.34

EPS TTM

0.34

BVPS

96.51

P/E Ann.

3,232.35

P/E TTM

3,232.35

Graham #

27.17

Capital

Mkt Cap

8.24 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

67.84

ADX

42.61

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1086.85

SMA 50

1148.12

Bands & Channels

BB Width %

16.77%

Volume & Flow

OBV

-1,184,304

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

25,084

Shares Bought

Total Sell

25,084

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

4,266

Amount

4,624,585

Avg Rate

1084.06

Rank

#12

Brokers

#49#29

Distributors

Quantity

4,840

Amount

5,273,040

Avg Rate

1089.47

Rank

#12

Brokers

#52#47#7#57#86

Net Flow Impact:

-574units

(Rs. -648,455)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 30,444 ]

Buy Side

Total: 18,146

Broker

QTY

AVG

NET

9,600

1092.42

+752

38.3%

2,941

1085.26

+2,731

11.7%

1,325

1081.38

+970

5.3%

941

1088.04

+565

3.8%

540

1078.97

+510

2.1%

499

1085.87

+379

2.0%

330

1078.47

+330

1.3%

320

1087.88

+300

1.3%

300

1085.10

+280

1.2%

275

1091.82

+255

1.1%

250

1080.40

+190

1.0%

250

1100.00

+250

1.0%

200

1085.00

+190

0.8%

190

1071.90

+180

0.8%

185

1086.00

+65

0.7%

Sell Side

Total: 12,298

Broker

QTY

AVG

NET

2,600

1102.83

-40

10.4%

1,986

1089.85

-1,866

7.9%

1,251

1092.12

-95

5.0%

1,190

1088.01

-310

4.7%

900

1098.02

-625

3.6%

884

1088.95

-524

3.5%

580

1087.15

-540

2.3%

490

1075.92

-490

1.9%

474

1095.02

-324

1.9%

390

1087.86

-210

1.6%

333

1084.50

-283

1.3%

101

315

1079.73

-315

1.3%

310

1085.68

-310

1.2%

300

1081.65

-300

1.2%

295

1097.78

-255

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	1,177	1,639	1,644	0	-28.23%
Property and Equipment	30,696	34,590	37,100	0	-11.26%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	64,422	7,200	0	0	+794.78%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	695,194	829,386	533,000	0	-16.18%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	0.00	2999.67	0.00	0	-100.00%
Current Tax Assets	10,755	5,881	2,586	0	+82.88%
Insurance Receivables	55,784	79,597	0	0	-29.92%
Insurance Payable	0.00	0.00	4994.62	0	-
Other Financial Assets	4,369	1,180	0	0	+270.27%
Other Assets	2,071	40,086	2,034	0	-94.83%
Cash and Cash Equivalent	360,245	24,196	27,796	0	+1388.84%
Total Assets	1,224,712	1,026,754	604,159	0	+19.28%
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	1,041	3,266	894	0	-68.12%
Retained Earnings	-27,185	23,125	7,513	0	-217.56%
Other Equity	64,308	7,454	89	0	+762.69%
Total Equity	788,164	783,846	533,497	0	+0.55%
Liabilities
Insurance & Contract Liabilities
Provisions	4,014	2,176	184	0	+84.42%
Gross Insurance Contract Liabilities	387,118	210,697	47,150	0	+83.73%
Other Financial Liabilities	21,605	11,327	5,047	0	+90.73%
Other Liabilities	23,811	18,708	12,845	0	+27.27%
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	436,547	242,908	70,663	0	+79.72%
Total Equity and Liabilities	1,224,712	1,026,754	604,159	0	+19.28%

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	432.8	+5.81	+1.36%	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%
CLI	440	+4.01	+0.92%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	990	-10	-1%	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	309.2	+2.3	+0.75%	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	428	+0.98	+0.23%	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	800.9	+9.03	+1.14%	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	745	+1.64	+0.22%	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	581.4	+9.38	+1.64%	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	423	+2.98	+0.71%	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	438.1	+0.09	+0.02%	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	415	0	0%	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	421	+4	+0.96%	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	373.8	+5.81	+1.58%	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	522.94	2.77	0.66%	0.03	0.312	119.85	115.55	8.98	8.12	7.17	7.17	136.66	6.26	100.45	6.11	3.51	4.498	106.86	102.128	2.962	96.27	1.15	1.15%	6.08	6.08%
MED	432.8	2.98	0.75%	0.02	0.31	116.61	113.66	8.98	4.83	7.59	7.59	140.98	6.13	99.28	6.04	2.89	3.77	55.64	56.25	1.95	97.07	1.25	1.25%	6.46	6.46%
MAX	990	9.38	1.64%	0.07	0.48	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.4	131.75	11.55	7.42	11.19	546.68	481.31	15.27	99.51	2.42	2.42%	9.78	9.78%
MIN	309.2	-10	-1%	0.01	0.22	104.58	101.43	7.21	0.66	2.14	2.14	70.96	4.87	80.96	2.32	0.62	2.76	34.93	36.81	0.96	84.43	0.17	0.17%	2.02	2.02%