Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,192.00

NPR +147.1+14.08%

09:14 AM NPT · Nov 6, 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

1,030.00

High

1,192.00

Low

1,014.00

Prev Close

1,044.90

Volume

19,655

Turnover

Rs 20,338,469.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

0.34

EPS TTM

0.34

BVPS

96.51

P/E Ann.

3,505.88

P/E TTM

3,505.88

Graham #

27.17

Capital

Mkt Cap

7.84 Arab

Total

65.76 Lakh

Public

19.73 Lakh

Promoter

46.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Strong Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

73.85

ADX

64.86

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1057.51

SMA 50

1081.69

Bands & Channels

BB Width %

12.87%

Volume & Flow

OBV

-1,199,406

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

34,907

Shares Bought

Total Sell

34,907

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 20%

Distribution 80%

Accumulators

Quantity

5,647

Amount

5,799,529

Avg Rate

1027.01

Rank

#13

Brokers

#49#19#8#13

Distributors

Quantity

22,484

Amount

23,249,518

Avg Rate

1034.05

Rank

Brokers

#50#58#42

Net Flow Impact:

-16,837units

(Rs. -17,449,989)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,697 ]

Buy Side

Total: 12,612

Broker

QTY

AVG

NET

2,787

1025.77

+1,982

8.0%

1,235

1022.87

+369

3.5%

1,156

1036.41

+311

3.3%

1,150

1019.74

+1,022

3.3%

990

1036.05

+765

2.8%

788

1029.27

+208

2.3%

720

1031.00

+650

2.1%

640

1022.39

+153

1.8%

610

1035.42

+600

1.8%

491

1020.00

+441

1.4%

474

1035.31

+464

1.4%

416

1032.03

+356

1.2%

415

1027.10

+175

1.2%

380

1029.68

+340

1.1%

360

1020.00

+360

1.0%

Sell Side

Total: 29,085

Broker

QTY

AVG

NET

18,135

1029.43

-2,203

52.0%

2,295

1048.96

-2,265

6.6%

2,054

1058.12

-1,585

5.9%

1,270

1046.63

-1,170

3.6%

1,030

1038.52

-795

3.0%

710

1048.90

-50

2.0%

650

1052.95

-364

1.9%

560

1067.47

-250

1.6%

550

1040.81

-350

1.6%

528

1047.38

-358

1.5%

403

1019.45

-393

1.1%

101

300

1045.00

-200

0.9%

280

1039.23

-80

0.8%

170

1022.22

-15

0.5%

150

1032.34

-50

0.4%

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	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%
CLI	442	+1.5	+0.34%	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	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	516.48	0.15	0.03%	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	442	0.31	0.07%	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	886	2.19	0.53%	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	303	-3.01	-0.67%	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%