Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,137.80

NPR -70.2-5.81%

09:14 AM NPT · May 15, 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

1,268.40

High

1,268.40

Low

1,060.00

Prev Close

1,208.00

Volume

8,824

Turnover

Rs 9,889,361.2

Txns

171

Valuation · Q2 FY25/26

EPS Ann.

3.13

EPS TTM

4.06

BVPS

106.81

P/E Ann.

363.51

P/E TTM

280.25

Graham #

86.73

Capital

Mkt Cap

8.53 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

43.53

ADX

15.54

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1151.85

SMA 50

1267.06

Bands & Channels

BB Width %

20.99%

Volume & Flow

OBV

-1,089,535

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

44,909

Shares Bought

Total Sell

44,909

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 63%

Distribution 37%

Accumulators

Quantity

21,478

Amount

24,058,796

Avg Rate

1120.16

Rank

Brokers

#58#62#70#25

Distributors

Quantity

12,583

Amount

14,065,067

Avg Rate

1117.78

Rank

Brokers

#6#1#50#38#78

Net Flow Impact:

+8,895units

(Rs. 9,993,728)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 53,876 ]

Buy Side

Total: 30,611

Broker

QTY

AVG

NET

16,426

1123.22

+3,105

36.6%

2,723

1112.49

+2,643

6.1%

1,865

1120.31

+789

4.2%

1,360

1114.86

+604

3.0%

1,329

1113.25

+950

3.0%

1,071

1129.00

+606

2.4%

1,000

1100.00

+980

2.2%

865

1136.26

+855

1.9%

785

1117.74

+585

1.8%

770

1105.05

+730

1.7%

725

1113.41

+585

1.6%

460

1135.41

+195

1.0%

454

1107.11

+323

1.0%

418

1133.78

+318

0.9%

360

1118.57

+300

0.8%

Sell Side

Total: 23,265

Broker

QTY

AVG

NET

5,020

1118.37

-2,956

11.2%

2,419

1123.10

-1,849

5.4%

2,234

1109.41

-1,724

5.0%

1,966

1127.50

-64

4.4%

1,730

1136.41

-209

3.9%

1,610

1113.71

-1,320

3.6%

1,300

1125.04

-1,300

2.9%

1,080

1121.12

-930

2.4%

1,069

1129.55

-524

2.4%

1,030

1124.14

-109

2.3%

1,005

1114.00

-955

2.2%

929

1121.03

-678

2.1%

801

1095.58

-131

1.8%

550

1125.01

-189

1.2%

522

1126.27

-172

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	1,408,490	1,664,200	1,709,704	0	-15.37%
Property and Equipment	33,278,608	33,627,709	39,864,526	0	-1.04%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	31,978,404	7,199,777	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	957,754,912	583,500,000	501,000,000	0	+64.14%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	46,500,092	2,999,669	1,079,155	0	+1450.17%
Current Tax Assets	9,256,147	3,839,294	1,377,140	0	+141.09%
Insurance Receivables	15,552,221	25,303,069	0	0	-38.54%
Insurance Payable	0.00	0.00	1439406.00	0	-
Other Financial Assets	0.00	0.00	0.00	0	-
Other Assets	33,280,698	2,778,543	301,586	0	+1097.78%
Cash and Cash Equivalent	74,791,722	13,379,004	12,588,810	0	+459.02%
Total Assets	1,203,801,294	674,291,265	557,920,921	0	+78.53%
Equity
Share Capital	750,000,000	525,000,000	525,000,000	0	+42.86%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	5,759,470	1,396,762	612,130	0	+312.34%
Retained Earnings	45,318,082	11,026,888	5,006,232	0	+310.98%
Other Equity	32,336,351	7,267,453	61,213	0	+344.95%
Total Equity	833,413,903	544,691,103	530,679,575	0	+53.01%
Liabilities
Insurance & Contract Liabilities
Provisions	3,046,376	1,610,566	183,916	0	+89.15%
Gross Insurance Contract Liabilities	341,543,196	110,678,021	8,296,058	0	+208.59%
Other Financial Liabilities	12,561,746	3,193,396	4,274,899	0	+293.37%
Other Liabilities	13,236,073	14,118,178	12,605,343	0	-6.25%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	441724.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	370,387,391	129,600,162	27,241,346	0	+185.79%
Total Equity and Liabilities	1,203,801,294	674,291,265	557,920,921	0	+78.53%

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	451.5	-2.68	-0.59%	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%
CLI	455	+2.22	+0.49%	0.02	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,279	-0.9	-0.07%	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	337.5	+0.61	+0.18%	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	436	+1.09	+0.25%	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	814	+0.08	+0.01%	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	762	-1.37	-0.18%	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	589.8	+2.12	+0.36%	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	461.1	-0.51	-0.11%	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	458.6	+0.6	+0.13%	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	428	0	0%	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	448	-0.99	-0.22%	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	389	-2.39	-0.61%	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	562.27	-0.16	-0.03%	0.03	0.253	118.39	-	8.83	9.41	154.93	-	0%	-	485.39%	10.445	94.595	6.77	93.712	71.665	7,007.964	1.68%	1.79%	9.96%	8.33%
MED	455	0	0%	0.02	0.28	115.6	-	9.26	8.41	146.57	-	0%	-	5.54%	8.22	54.4	0	53.66	53.69	9.53	1.56%	1.56%	8.74%	8.04%
MAX	1,279	2.22	0.49%	0.07	0.37	159.09	-	15.24	22.38	249.16	-	0%	-	4,876.37%	32.74	483.31	35.82	490.08	209.7	85,305	3.66%	6.42%	33.68%	17.99%
MIN	337.5	-2.68	-0.61%	0.01	0	104.21	-	3.53	4.13	103.56	-	0%	-	1.81%	6.36	30.43	0	29.72	33.51	4.1	0.3%	0.27%	3.9%	3.56%