Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,170.00

NPR +3+0.26%

09:14 AM NPT · Jun 29, 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

1,148.00

High

1,170.00

Low

1,147.20

Prev Close

1,167.00

Volume

1,996

Turnover

Rs 2,298,677.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

2.59

EPS TTM

6.31

BVPS

104.39

P/E Ann.

451.74

P/E TTM

185.42

Graham #

78.00

Capital

Mkt Cap

8.78 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

6.22

ADX

55.8

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1271.82

SMA 50

1302.46

Bands & Channels

BB Width %

18.68%

Volume & Flow

OBV

1,414,043

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

10,358

Shares Bought

Total Sell

10,358

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

5,283

Amount

6,255,576

Avg Rate

1184.10

Rank

#13

Brokers

#58#25#45#60

Distributors

Quantity

3,331

Amount

3,995,307

Avg Rate

1199.43

Rank

#13

Brokers

#29#66#1

Net Flow Impact:

+1,952units

(Rs. 2,260,269)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 14,920 ]

Buy Side

Total: 7,774

Broker

QTY

AVG

NET

3,348

1189.42

+1,305

32.3%

869

1173.45

+859

8.4%

640

1170.05

+442

6.2%

426

1185.10

+426

4.1%

400

1212.40

+390

3.9%

364

1153.60

+173

3.5%

255

1169.80

+245

2.5%

240

1157.36

+220

2.3%

210

1150.80

+170

2.0%

208

1202.82

+208

2.0%

185

1194.52

+175

1.8%

185

1175.18

+145

1.8%

185

1185.41

+150

1.8%

149

1150.00

+149

1.4%

110

1195.28

+80

1.1%

Sell Side

Total: 7,146

Broker

QTY

AVG

NET

1,256

1214.93

-756

12.1%

1,148

1203.70

-988

11.1%

927

1173.15

-730

8.9%

740

1185.02

-710

7.1%

679

1159.49

-609

6.6%

360

1202.62

-340

3.5%

350

1163.50

-324

3.4%

310

1156.42

-310

3.0%

293

1161.87

-283

2.8%

230

1194.94

-70

2.2%

210

1157.00

-210

2.0%

190

1181.23

-56

1.8%

180

1166.17

-130

1.7%

150

1189.17

-50

1.4%

123

1179.16

-93

1.2%

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	436.9	-3.21	-0.73%	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	445	-2.51	-0.56%	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	1,196.9	-2.04	-0.17%	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	324.8	-4.11	-1.25%	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	417.3	-3.7	-0.88%	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	798.6	-6.28	-0.78%	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	741	-6.5	-0.87%	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	570	+2.89	+0.51%	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	450.1	-5.19	-1.14%	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	447.4	-3.61	-0.8%	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	421	-1.99	-0.47%	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	434	-3.99	-0.91%	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	380	-2.99	-0.78%	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	543.31	-3.32	-0.68%	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	445	-3.61	-0.78%	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	1,196.9	2.89	0.51%	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	324.8	-6.5	-1.25%	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%