Crest Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,208.00

NPR +102+9.22%

09:14 AM NPT · May 14, 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

1,139.10

High

1,208.00

Low

1,080.00

Prev Close

1,106.00

Volume

9,625

Turnover

Rs 10,621,079

Txns

156

Valuation · Q2 FY25/26

EPS Ann.

3.13

EPS TTM

4.06

BVPS

106.81

P/E Ann.

385.94

P/E TTM

297.54

Graham #

86.73

Capital

Mkt Cap

9.06 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)

51.26

ADX

17.4

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1156.46

SMA 50

1274.08

Bands & Channels

BB Width %

21.71%

Volume & Flow

OBV

-1,080,711

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

41,759

Shares Bought

Total Sell

41,759

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 69%

Distribution 31%

Accumulators

Quantity

18,917

Amount

21,109,658

Avg Rate

1115.91

Rank

Brokers

#62#58#25

Distributors

Quantity

8,669

Amount

9,638,601

Avg Rate

1111.85

Rank

Brokers

#38#78#1#50#63

Net Flow Impact:

+10,248units

(Rs. 11,471,057)

Net Flow by Timeframe

CREST — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 48,891 ]

Buy Side

Total: 28,314

Broker

QTY

AVG

NET

14,894

1116.75

+1,778

35.7%

2,723

1112.49

+2,653

6.5%

1,512

1110.42

+1,047

3.6%

1,312

1114.56

+236

3.1%

1,300

1113.38

+1,071

3.1%

1,195

1102.14

+1,045

2.9%

1,050

1113.49

+267

2.5%

1,000

1100.00

+980

2.4%

865

1136.26

+845

2.1%

515

1129.78

+320

1.2%

470

1093.40

+450

1.1%

460

1112.36

+400

1.1%

370

1137.52

+317

0.9%

330

1102.27

+219

0.8%

318

1134.28

+218

0.8%

Sell Side

Total: 20,577

Broker

QTY

AVG

NET

2,780

1115.79

-648

6.7%

2,549

1121.14

-1,349

6.1%

2,026

1123.19

-324

4.8%

1,810

1091.82

-1,280

4.3%

1,805

1110.30

-1,525

4.3%

1,730

1136.41

-209

4.1%

1,500

1120.64

-1,500

3.6%

1,172

1125.19

-637

2.8%

1,050

1120.42

-519

2.5%

1,005

1114.00

-955

2.4%

781

1094.60

-156

1.9%

709

1117.03

-639

1.7%

660

1118.64

-109

1.6%

520

1089.43

-300

1.3%

480

1079.26

-480

1.1%

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	454.2	-1.69	-0.37%	-	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	452.8	-2.18	-0.48%	-	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	1,279.9	-10.06	-0.78%	-	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	336.9	-2.99	-0.88%	-	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	434.9	-1.09	-0.25%	-	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	813.9	+1.87	+0.23%	-	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	763.4	+1.22	+0.16%	-	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	587.7	+2.69	+0.46%	-	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	461.6	-3.39	-0.73%	-	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	-3	-0.65%	-	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	-2.19	-0.51%	-	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	449	-0.99	-0.22%	-	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	391.4	+0.39	+0.1%	-	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	562.44	-1.65	-0.3%	-	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	454.2	-1.69	-0.37%	-	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	1,279.9	2.69	0.46%	-	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	336.9	-10.06	-0.88%	-	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%