Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,179.90

NPR -5.1-0.43%

09:14 AM NPT · Aug 13, 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

1,244.20

High

1,244.20

Low

1,170.00

Prev Close

1,185.00

Volume

2,583

Turnover

Rs 3,026,245.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

2.15

EPS TTM

3.24

BVPS

106.86

P/E Ann.

548.79

P/E TTM

364.17

Graham #

71.90

Capital

Mkt Cap

8.85 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

22.35

ADX

48.24

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1200.61

SMA 50

1218.33

Bands & Channels

BB Width %

5.43%

Volume & Flow

OBV

-1,132,545

Flow Analysis

[ Live 2026-08-13 ]

Total Buy

33,081

Shares Bought

Total Sell

33,081

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 68%

Distribution 32%

Accumulators

Quantity

22,010

Amount

25,887,322

Avg Rate

1176.16

Rank

Brokers

#58#50#57

Distributors

Quantity

10,494

Amount

12,317,116

Avg Rate

1173.73

Rank

Brokers

#19#6#36#29

Net Flow Impact:

+11,516units

(Rs. 13,570,206)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 43,063 ]

Buy Side

Total: 28,473

Broker

QTY

AVG

NET

19,744

1176.54

+5,185

59.7%

1,200

1173.52

+1,000

3.6%

1,066

1172.05

+986

3.2%

801

1167.69

+91

2.4%

770

1173.14

+530

2.3%

663

1172.21

+513

2.0%

650

1172.82

+630

2.0%

634

1173.09

+624

1.9%

610

1172.71

+560

1.8%

600

1169.33

+470

1.8%

595

1174.33

+485

1.8%

520

1174.98

+300

1.6%

210

1171.48

+93

0.6%

210

1171.00

+210

0.6%

200

1170.10

+190

0.6%

Sell Side

Total: 14,590

Broker

QTY

AVG

NET

5,445

1173.89

-5,445

16.5%

2,192

1170.36

-1,562

6.6%

1,730

1175.51

-1,500

5.2%

1,127

1176.80

-1,025

3.4%

869

1206.87

-219

2.6%

540

1171.03

-540

1.6%

520

1179.27

-215

1.6%

430

1175.89

-360

1.3%

330

1173.58

-265

1.0%

247

1195.66

-247

0.8%

240

1171.67

-138

0.7%

240

1173.75

-215

0.7%

240

1171.23

-230

0.7%

220

1173.40

-116

0.7%

220

1176.69

-120

0.7%

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	419	+1	+0.24%	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	432	0	0%	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	1,098	+2.96	+0.27%	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	319.9	+2.88	+0.91%	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	416	+3.01	+0.73%	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	775.5	+3.47	+0.45%	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	733.9	-4.88	-0.66%	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	568	+2.99	+0.53%	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	431	-1.9	-0.44%	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	426.4	+4.89	+1.16%	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	415	+3.01	+0.73%	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	408.7	-0.29	-0.07%	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	371.9	+1.89	+0.51%	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	524.25	1.47	0.34%	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	426.4	2.88	0.45%	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	1,098	4.89	1.16%	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	319.9	-4.88	-0.66%	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%