Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,171.20

NPR -27.7-2.31%

07:57 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

4,029

Turnover

Rs 4,792,005.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

2.15

EPS TTM

3.24

BVPS

106.86

P/E Ann.

544.74

P/E TTM

361.48

Graham #

71.90

Capital

Mkt Cap

8.78 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)

27.35

ADX

59.75

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1262.46

SMA 50

1209.66

Bands & Channels

BB Width %

15.51%

Volume & Flow

OBV

-1,150,284

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

53,970

Shares Bought

Total Sell

53,970

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 88%

Distribution 12%

Accumulators

Quantity

32,852

Amount

39,598,794

Avg Rate

1205.37

Rank

Brokers

#58#14#39#6

Distributors

Quantity

4,585

Amount

5,550,107

Avg Rate

1210.49

Rank

#13

Brokers

#41#63#66#3

Net Flow Impact:

+28,267units

(Rs. 34,048,688)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 59,116 ]

Buy Side

Total: 44,030

Broker

QTY

AVG

NET

27,200

1210.96

+2,838

50.4%

3,122

1169.68

+612

5.8%

2,123

1177.66

+383

3.9%

2,057

1168.41

+622

3.8%

2,020

1182.90

+1,650

3.7%

1,575

1185.86

+1,039

2.9%

1,006

1174.03

+296

1.9%

800

1195.68

+280

1.5%

800

1166.10

+380

1.5%

785

1199.55

+415

1.4%

600

1181.35

+190

1.1%

590

1172.07

+510

1.1%

500

1165.48

+500

0.9%

442

1175.66

+157

0.8%

410

1172.30

+35

0.8%

Sell Side

Total: 15,086

Broker

QTY

AVG

NET

1,655

1170.60

-575

3.1%

1,450

1191.51

-1,325

2.7%

1,200

1240.49

-1,200

2.2%

1,194

1232.57

-241

2.2%

1,175

1204.98

-181

2.2%

1,165

1205.60

-800

2.2%

1,128

1225.37

-801

2.1%

1,040

1185.93

-1,040

1.9%

1,010

1220.40

-420

1.9%

895

1229.57

-835

1.7%

810

1219.66

-784

1.5%

640

1199.17

-640

1.2%

590

1207.17

-280

1.1%

575

1235.30

-530

1.1%

559

1178.65

-559

1.0%

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	435.9	-4.18	-0.95%	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	444	-3.49	-0.78%	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	1,150	-17.04	-1.46%	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	324.9	-4.01	-1.22%	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	-4	-0.95%	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	790.1	-14.81	-1.84%	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	742.7	-4.78	-0.64%	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	572	+4.88	+0.86%	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	454	-1.32	-0.29%	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	448.3	-2.71	-0.6%	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	420	-3	-0.71%	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	539.45	-4.73	-0.79%	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	444	-3.99	-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	1,150	4.88	0.86%	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	324.9	-17.04	-1.84%	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%