Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 886.00

NPR -1.5-0.17%

09:14 AM NPT · Nov 6, 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

885.00

High

900.00

Low

878.00

Prev Close

887.50

Volume

225

Turnover

Rs 199,550

Txns

Valuation · Q4 FY25/26

EPS Ann.

2.14

EPS TTM

2.14

BVPS

104.58

P/E Ann.

414.02

P/E TTM

414.02

Graham #

70.96

Capital

Mkt Cap

6.94 Arab

Total

78.32 Lakh

Public

23.5 Lakh

Promoter

54.82 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

30.03

ADX

14.37

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

920.11

SMA 50

960.63

Bands & Channels

BB Width %

7.94%

Volume & Flow

OBV

1,399,251

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

5,154

Shares Bought

Total Sell

5,154

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

2,402

Amount

2,145,818

Avg Rate

893.35

Rank

#14

Brokers

#58#28#29#34

Distributors

Quantity

2,831

Amount

2,535,985

Avg Rate

895.79

Rank

#14

Brokers

#52#6

Net Flow Impact:

-429units

(Rs. -390,166)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,312 ]

Buy Side

Total: 4,230

Broker

QTY

AVG

NET

1,701

893.03

+1,477

33.0%

446

890.74

+168

8.7%

263

896.33

+193

5.1%

260

922.44

+140

5.0%

230

890.58

+220

4.5%

210

893.27

+190

4.1%

208

895.24

+198

4.0%

175

905.79

+145

3.4%

130

900.79

+120

2.5%

110

892.45

+90

2.1%

102

895.07

+102

2.0%

100

895.00

+100

1.9%

100

891.00

+100

1.9%

100

893.80

+100

1.9%

886.00

+95

1.8%

Sell Side

Total: 4,082

Broker

QTY

AVG

NET

1,438

894.61

-1,388

27.9%

1,393

897.01

-1,393

27.0%

101

495

890.78

-495

9.6%

210

895.29

-210

4.1%

120

895.00

-120

2.3%

115

891.94

-75

2.2%

891.56

-90

1.8%

908.47

-66

1.5%

894.28

-10

1.0%

901.00

-25

0.5%

893.55

-10

0.4%

900.00

-20

0.4%

887.00

-10

0.2%

875.00

-10

0.2%

895.00

-10

0.2%

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	422.2	-1.78	-0.42%	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	442	+1.5	+0.34%	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	1,192	+147.12	+14.08%	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	303	-0.3	-0.1%	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	443	+0.31	+0.07%	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	799	+2.07	+0.26%	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	740	+1.03	+0.14%	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	580	-0.99	-0.17%	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	429	+1.58	+0.37%	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	446	-3.01	-0.67%	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	429.9	-0.3	-0.07%	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	416	+2.19	+0.53%	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	378.1	+1.09	+0.29%	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	540.02	11.58	1.13%	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	442	1.03	0.14%	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	1,192	147.12	14.08%	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	303	-3.01	-0.67%	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%