Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 990.00

NPR -10-1.00%

09:14 AM NPT · Sep 24, 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

970.00

High

1,000.00

Low

970.00

Prev Close

1,000.00

Volume

854

Turnover

Rs 839,569.1

Txns

Valuation · Q4 FY25/26

EPS Ann.

2.14

EPS TTM

2.14

BVPS

104.58

P/E Ann.

462.62

P/E TTM

462.62

Graham #

70.96

Capital

Mkt Cap

7.42 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

60.29

ADX

31.69

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

980.14

SMA 50

1074.02

Bands & Channels

BB Width %

12.07%

Volume & Flow

OBV

1,401,670

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

4,620

Shares Bought

Total Sell

4,620

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

911

Amount

906,183

Avg Rate

994.71

Rank

#14

Brokers

#17#41#18

Distributors

Quantity

1,276

Amount

1,269,222

Avg Rate

994.69

Rank

#14

Brokers

#71#94#34

Net Flow Impact:

-365units

(Rs. -363,040)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,589 ]

Buy Side

Total: 3,915

Broker

QTY

AVG

NET

510

1013.15

+10

11.0%

415

1004.04

+235

9.0%

404

994.81

+129

8.7%

341

975.31

+321

7.4%

320

1011.57

+290

6.9%

307

1001.05

+147

6.7%

300

990.92

+235

6.5%

266

1006.09

+236

5.8%

250

999.60

+250

5.4%

228

995.95

+138

4.9%

154

992.67

+39

3.3%

120

996.33

+20

2.6%

110

994.30

+110

2.4%

100

1006.00

+80

2.2%

989.21

+80

1.9%

Sell Side

Total: 2,674

Broker

QTY

AVG

NET

670

1003.13

-650

14.5%

396

975.46

-396

8.6%

221

993.35

-161

4.8%

210

1004.00

-200

4.5%

208

996.84

-198

4.5%

200

997.90

-125

4.3%

136

1012.36

-136

2.9%

126

1008.16

-101

2.7%

109

990.97

-109

2.4%

108

1008.47

-88

2.3%

995.46

-5

1.9%

994.33

-60

1.3%

990.88

-20

1.1%

990.00

-50

1.1%

1002.42

-20

0.9%

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	432.8	+5.81	+1.36%	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	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	440	+4.01	+0.92%	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	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,099	+4.05	+0.37%	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	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HLI	309.2	+2.3	+0.75%	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	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	428	+0.98	+0.23%	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	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	800.9	+9.03	+1.14%	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	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	745	+1.64	+0.22%	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	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	581.4	+9.38	+1.64%	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	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	423	+2.98	+0.71%	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	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	438.1	+0.09	+0.02%	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	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	415	0	0%	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	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	421	+4	+0.96%	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	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	373.8	+5.81	+1.58%	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	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	531.32	3.85	0.76%	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	315.104	3.236	95.58	1.06	1.06%	5.95	5.95%
MED	432.8	4	0.75%	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	56.25	1.95	97.07	0.69	0.69%	6.46	6.46%
MAX	1,099	9.38	1.64%	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	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	309.2	0	0%	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	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%