Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,020.10

NPR +16.4+1.63%

09:14 AM NPT · Sep 15, 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

1,033.80

High

1,040.00

Low

1,001.00

Prev Close

1,003.70

Volume

2,177

Turnover

Rs 2,226,304.7

Txns

Valuation · Q4 FY25/26

EPS Ann.

2.14

EPS TTM

2.14

BVPS

104.58

P/E Ann.

476.68

P/E TTM

476.68

Graham #

70.96

Capital

Mkt Cap

7.65 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

Uptrend

Strength

Strong

Momentum

RSI (14)

48.88

ADX

37.3

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

995.25

SMA 50

1093.14

Bands & Channels

BB Width %

19.8%

Volume & Flow

OBV

1,403,966

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

7,194

Shares Bought

Total Sell

7,194

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

3,655

Amount

3,577,088

Avg Rate

978.68

Rank

#14

Brokers

#49#74#48

Distributors

Quantity

3,329

Amount

3,263,406

Avg Rate

980.30

Rank

#14

Brokers

#58#75#40#3

Net Flow Impact:

+326units

(Rs. 313,682)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 11,345 ]

Buy Side

Total: 5,848

Broker

QTY

AVG

NET

1,404

1009.71

+1,314

19.5%

1,151

974.33

+1,151

16.0%

1,100

943.64

+1,060

15.3%

340

1018.46

+190

4.7%

297

972.26

+147

4.1%

240

1017.71

+240

3.3%

240

951.71

+165

3.3%

200

965.95

+100

2.8%

191

1016.40

+21

2.6%

182

1028.74

+92

2.5%

138

992.46

+58

1.9%

135

982.20

+115

1.9%

100

944.00

+100

1.4%

1007.68

+80

1.1%

956.60

+40

0.7%

Sell Side

Total: 5,497

Broker

QTY

AVG

NET

1,889

996.29

-1,504

26.3%

680

946.03

-680

9.4%

445

943.75

-425

6.2%

376

966.61

-269

5.2%

315

1009.98

-315

4.4%

269

986.76

-133

3.7%

250

993.00

-250

3.5%

221

1005.67

-81

3.1%

220

978.35

-220

3.1%

220

946.89

-220

3.1%

183

972.87

-75

2.5%

118

954.45

-98

1.6%

110

1016.09

-110

1.5%

101

1005.00

-1

1.4%

100

1025.80

-90

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	1,177	1,271	1,434	0	-7.37%
Property and Equipment	16,018	17,167	19,591	0	-6.69%
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	971,903	894,751	520,700	0	+8.62%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	0.00	0.00	2524.04	0	-
Current Tax Assets	15,037	8,422	2,780	0	+78.55%
Insurance Receivables	50,949	124,236	1,606	0	-58.99%
Insurance Payable	14,929	15,243	2,475	0	-2.06%
Other Financial Assets	7,960	7,490	1,970	0	+6.28%
Other Assets	615.11	638.68	857.61	0	-3.69%
Cash and Cash Equivalent	237,765	18,593	14,120	0	+1178.76%
Total Assets	1,321,500	1,075,809	565,582	0	+22.84%
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	4,192	6,211	333	0	-32.51%
Retained Earnings	30,188	48,158	2,830	0	-37.32%
Other Equity	20,236	3,584	23	0	+464.62%
Total Equity	804,615	807,953	528,186	0	-0.41%
Liabilities
Insurance & Contract Liabilities
Provisions	6,688	4,359	844	0	+53.43%
Gross Insurance Contract Liabilities	449,180	223,665	23,492	0	+100.83%
Other Financial Liabilities	15,972	12,234	5,189	0	+30.55%
Other Liabilities	30,116	12,355	5,264	0	+143.75%
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	516,885	267,856	37,397	0	+92.97%
Total Equity and Liabilities	1,321,500	1,075,809	565,582	0	+22.84%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q4

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	418	+14.02	+3.47%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	52.62	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	436.5	+11.52	+2.71%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	54.99	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,099.9	+39.65	+3.74%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	3,352.94	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HLI	315.1	+11.1	+3.65%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	90.23	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	425.8	+7.82	+1.87%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	35.39	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	774	+10.01	+1.31%	0.04	0.22	162.36	141.93	7.21	16.74	7.38	7.38	164.19	7.4	131.75	2.97	1.21	4.86	107.02	104.34	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	730	+20.99	+2.96%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	146.03	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	578.9	+13.9	+2.46%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	86.33	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	428	+13.99	+3.38%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	59.7	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	436.3	+6.49	+1.51%	0.02	0.32	121.18	106.28	9.89	3.02	11.21	11.21	174.83	6.11	88.19	8.2	7.42	3.63	39.25	38.07	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	419.9	+10.4	+2.54%	0.02	0.31	121.29	120.27	8.79	9.02	7.59	7.59	143.92	6.75	105.44	6.04	2.22	3.41	54.41	53.62	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	407	+10.2	+2.57%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	50.63	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	371.5	+10.4	+2.88%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	48.17	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	526.22	13.88	2.7%	0.03	0.308	119.23	114.73	9.02	8.11	7.04	7.04	133.29	6.32	99.35	6.36	3.34	4.574	330.57	321.005	3.236	95.58	1.06	1.06%	5.95	5.95%
MED	428	11.1	2.71%	0.02	0.31	116.61	113.66	9.39	4.83	7.59	7.59	140.98	6.13	99.28	6.04	2.89	3.77	55.64	54.99	1.95	97.07	0.69	0.69%	6.46	6.46%
MAX	1,099.9	39.65	3.74%	0.07	0.42	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.62	131.75	14.72	7.42	12.17	3,455	3,352.94	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	315.1	6.49	1.31%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	2.76	34.93	35.39	0.96	75.47	0.17	0.17%	0.33	0.33%