Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,098.00

NPR +3+0.27%

09:14 AM NPT · Aug 13, 2026

Est. December 26, 2022 · Biratnagar, Morang District, Nepal · CEO: Chirayu Bhandari

Guardian Micro-Life Insurance Limited is Nepal’s first dedicated micro life insurance company, officially registered on December 26, 2022, licensed on April 10, 2023, and began operations on July 7, 2023. As a digital-first, mission-driven insurer, Guardian is transforming the way protection reaches underserved and low-income families across Nepal. The company offers affordable, tailored micro-insurance solutions supported by seamless, technology-driven services, ensuring accessibility, financial inclusion, and meaningful social impact. With a commitment to innovation and community empowerment, Guardian Micro-Life Insurance aims to secure the future of Nepalese families and lead the evolution of micro insurance in the country.

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Trading

Open

1,127.00

High

1,194.00

Low

1,090.00

Prev Close

1,095.00

Volume

1,058

Turnover

Rs 1,170,692

Txns

Valuation · Q3 FY25/26

EPS Ann.

2.59

EPS TTM

6.31

BVPS

104.39

P/E Ann.

423.94

P/E TTM

174.01

Graham #

78.00

Capital

Mkt Cap

8.23 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

14.96

ADX

45.14

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1154.71

SMA 50

1193.82

Bands & Channels

BB Width %

17.7%

Volume & Flow

OBV

1,402,730

Flow Analysis

[ Live 2026-08-13 ]

Total Buy

10,907

Shares Bought

Total Sell

10,907

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 31%

Distribution 69%

Accumulators

Quantity

2,860

Amount

3,137,477

Avg Rate

1097.02

Rank

#14

Brokers

#45#57#51#101

Distributors

Quantity

6,330

Amount

6,955,462

Avg Rate

1098.81

Rank

#11

Brokers

#34#1

Net Flow Impact:

-3,470units

(Rs. -3,817,986)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 15,657 ]

Buy Side

Total: 6,615

Broker

QTY

AVG

NET

1,065

1091.89

+895

9.8%

790

1097.28

+360

7.2%

740

1098.42

+720

6.8%

555

1104.11

+505

5.1%

101

500

1098.00

+500

4.6%

445

1101.20

+405

4.1%

390

1098.23

+390

3.6%

357

1096.41

+357

3.3%

300

1097.00

+300

2.8%

289

1099.90

+289

2.6%

265

1092.20

+35

2.4%

254

1088.89

+254

2.3%

247

1088.83

+237

2.3%

210

1099.45

+180

1.9%

208

1095.28

+208

1.9%

Sell Side

Total: 9,042

Broker

QTY

AVG

NET

4,720

1098.40

-4,620

43.3%

1,610

1100.01

-777

14.8%

811

1097.15

-191

7.4%

661

1097.98

-433

6.1%

478

1098.33

-303

4.4%

225

1096.91

-225

2.1%

170

1087.49

-150

1.6%

167

1099.17

-57

1.5%

1096.02

-40

0.6%

1100.20

-20

0.3%

1097.03

-30

0.3%

1095.25

-20

0.2%

1092.75

-20

0.2%

1104.50

-20

0.2%

1099.00

-20

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	1,290	1,366	1,518	0	-5.59%
Property and Equipment	17,758	18,596	20,847	0	-4.51%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	20,075	3,239	0	0	+519.72%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	1,000,083	874,884	512,700	0	+14.31%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	0.00	0.00	1296.78	0	-
Current Tax Assets	13,710	7,650	2,153	0	+79.21%
Insurance Receivables	79,915	15,120	23	0	+428.54%
Insurance Payable	14,519	9,135	1,301	0	+58.94%
Other Financial Assets	7,130	3,121	882	0	+128.41%
Other Assets	1,711	2,300	943	0	-25.60%
Cash and Cash Equivalent	119,601	17,306	11,248	0	+591.11%
Total Assets	1,261,273	943,584	551,612	0	+33.67%
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	4,043	2,936	263	0	+37.73%
Retained Earnings	28,866	19,007	2,208	0	+51.87%
Other Equity	20,221	3,256	26	0	+520.95%
Total Equity	803,130	775,199	527,497	0	+3.60%
Liabilities
Insurance & Contract Liabilities
Provisions	7,033	2,686	514	0	+161.84%
Gross Insurance Contract Liabilities	415,336	126,524	11,436	0	+228.27%
Other Financial Liabilities	6,364	21,123	5,586	0	-69.87%
Other Liabilities	14,890	8,917	5,147	0	+66.99%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	131.73	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	458,142	168,384	24,115	0	+172.08%
Total Equity and Liabilities	1,261,273	943,584	551,612	0	+33.67%

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)	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	54.44	4.1	95.55	1.65	1.48%	8.04	7.16%
CREST	1,179.9	-5.1	-0.43%	0.01	0.45	106.86	83.78	9.21	0.47	2.15	3.24	88.26	6.36	59.79	14.78	3.32	16.08	599.53	387.19	35.39	75.86	1.49	2.25%	2.05	3.1%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	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	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	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	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	530.55	0.85	0.28%	0.03	0.305	119.25	116.27	8.9	7.82	8	7.64	140.61	4.7	100.7	6.67	4.1	6.465	106.5	96.987	6.418	95.59	1.3	1.38%	6.91	6.65%
MED	426.4	1.89	0.45%	0.02	0.31	116.41	113.74	9.21	4.43	8.79	7.59	143.81	4.86	98.88	6.55	3.45	5.41	53.4	57.03	4.08	97.15	1.49	1.38%	8.04	6.57%
MAX	1,179.9	4.89	1.16%	0.07	0.45	160.81	144.74	10.2	23.87	12.07	11.7	175.06	6.36	134.77	14.78	8.53	16.08	599.53	387.19	35.39	99.52	2.76	3.31%	10.35	11.1%
MIN	319.9	-5.1	-0.66%	0.01	0.22	106.86	83.78	7.1	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	38.61	37.74	1.88	75.86	0.21	0.15%	2.05	3.1%