Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,279.00

NPR -0.9-0.07%

09:14 AM NPT · May 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.

gmli.com.np/facebook linkedin

Trading

Open

1,285.00

High

1,315.00

Low

1,250.30

Prev Close

1,279.90

Volume

1,961

Turnover

Rs 2,483,302.8

Txns

Valuation · Q2 FY25/26

EPS Ann.

3.53

EPS TTM

8.25

BVPS

104.21

P/E Ann.

362.32

P/E TTM

155.03

Graham #

90.98

Capital

Mkt Cap

9.59 Arab

Total

75.0 Lakh

Public

22.5 Lakh

Promoter

52.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

34.59

ADX

55.64

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1346.63

SMA 50

1534.58

Bands & Channels

BB Width %

22.28%

Volume & Flow

OBV

1,427,724

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

9,548

Shares Bought

Total Sell

9,548

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

2,095

Amount

2,722,401

Avg Rate

1299.48

Rank

#14

Brokers

#34#13#1#53

Distributors

Quantity

1,965

Amount

2,490,602

Avg Rate

1267.48

Rank

#14

Brokers

#66#48#95

Net Flow Impact:

+130units

(Rs. 231,798)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 12,228 ]

Buy Side

Total: 6,286

Broker

QTY

AVG

NET

1,387

1292.58

+232

14.5%

755

1274.07

+365

7.9%

700

1310.25

+319

7.3%

542

1274.93

+261

5.7%

444

1294.07

+159

4.7%

340

1298.32

+320

3.6%

330

1295.77

+182

3.5%

300

1339.58

+300

3.1%

270

1314.39

+190

2.8%

210

1302.93

+50

2.2%

210

1277.65

+180

2.2%

200

1325.50

+200

2.1%

200

1311.02

+200

2.1%

200

1266.80

+170

2.1%

198

1285.67

+138

2.1%

Sell Side

Total: 5,942

Broker

QTY

AVG

NET

828

1267.38

-818

8.7%

664

1261.34

-379

7.0%

662

1281.12

-662

6.9%

510

1305.99

-207

5.3%

480

1268.70

-215

5.0%

475

1248.66

-475

5.0%

471

1280.33

-148

4.9%

382

1262.03

-130

4.0%

377

1323.13

-357

4.0%

340

1291.81

-340

3.6%

223

1326.45

-83

2.3%

220

1291.53

-50

2.3%

160

1281.24

-130

1.7%

110

1300.91

-10

1.1%

1300.12

-40

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	1,406,149	1,465,641	1,604,377	0	-4.06%
Property and Equipment	13,867,989	20,003,070	22,291,610	0	-30.67%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	20,074,848	3,239,340	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	1,016,260,577	635,157,928	506,200,000	0	+60.00%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	0.00	0.00	663547.00	0	-
Current Tax Assets	13,016,426	4,169,232	1,553,999	0	+212.20%
Insurance Receivables	39,969,859	7,415,972	25,000	0	+438.97%
Insurance Payable	16,851,454	3,992,025	698,461	0	+322.13%
Other Financial Assets	23,146,110	2,225,793	869,214	0	+939.90%
Other Assets	24,297,861	2,255,009	2,195,434	0	+977.51%
Cash and Cash Equivalent	81,280,892	16,317,769	5,528,244	0	+398.11%
Total Assets	1,233,320,711	692,249,754	540,931,425	0	+78.16%
Equity
Share Capital	750,000,000	525,000,000	525,000,000	0	+42.86%
Share Application Money Pending Allotment	0.00	40500000.00	0.00	0	-100.00%
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	3,910,416	1,351,067	223,005	0	+189.43%
Retained Earnings	27,682,320	7,784,373	1,853,018	0	+255.61%
Other Equity	20,207,385	3,358,945	22,301	0	+501.60%
Total Equity	801,800,121	577,994,385	527,098,324	0	+38.72%
Liabilities
Insurance & Contract Liabilities
Provisions	6,170,627	1,981,071	514,100	0	+211.48%
Gross Insurance Contract Liabilities	391,043,681	91,760,028	3,883,574	0	+326.16%
Other Financial Liabilities	8,761,647	5,505,011	3,073,837	0	+59.16%
Other Liabilities	8,693,181	11,017,234	5,531,403	0	-21.09%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	131726.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	431,520,590	114,255,369	13,833,101	0	+277.68%
Total Equity and Liabilities	1,233,320,711	692,249,754	540,931,425	0	+78.16%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ALICL	451.5	-2.68	-0.59%	0.02	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CLI	455	+2.22	+0.49%	0.02	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
CREST	1,137.8	-70.18	-5.81%	0.01	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HLI	337.5	+0.61	+0.18%	0.03	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
ILI	436	+1.09	+0.25%	0.02	0.37	114.48	-	10.83	11.72	173.75	-	0%	-	6.81%	7.68	40.58	35.82	40.12	37.07	11.06	2.52%	2.73%	8.78%	9.51%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	814	+0.08	+0.01%	0.04	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLIC	762	-1.37	-0.18%	0.07	0.28	123.29	-	7.11	22.38	249.16	-	0%	-	5.54%	12.56	108.86	0	105.49	33.51	4.1	1.56%	0.83%	33.68%	17.99%
NLICL	589.8	+2.12	+0.36%	0.03	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	461.1	-0.51	-0.11%	0.02	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	458.6	+0.6	+0.13%	0.02	0.35	117.05	-	15.24	11.85	176.66	-	0%	-	10.57%	7.92	30.43	31.96	29.72	38.23	12.88	3.66%	2.85%	13.22%	10.29%
SJLIC	428	0	0%	0.02	0.31	117.82	-	8.06	7.1	137.19	-	0%	-	2.62%	7.44	54.4	18.25	53.66	60.92	5.71	0.8%	0.71%	6.94%	6.12%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	448	-0.99	-0.22%	0.02	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	389	-2.39	-0.61%	0.02	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	551.41	-5.49	-0.47%	0.03	0.292	118.59	-	8.8	9.09	151.83	-	0%	-	110.66%	9.705	87.768	7.082	88.65	80.695	452.006	1.66%	1.54%	9.92%	7.95%
MED	455	0	0%	0.02	0.31	115.6	-	9.26	8.41	146.57	-	0%	-	4.91%	8.22	54.4	0	53.66	53.69	9.53	1.56%	1.56%	8.74%	7.63%
MAX	1,137.8	2.22	0.49%	0.07	0.51	159.09	-	15.24	22.38	249.16	-	0%	-	1,367.14%	23.13	394.57	35.82	424.28	327.09	5,682.67	3.66%	3.24%	33.68%	17.99%
MIN	337.5	-70.18	-5.81%	0.01	0	106.32	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	30.43	0	29.72	33.51	4.1	0.3%	0.27%	3.5%	3.56%