NEPSE Chart
TECHNICAL ANALYSIS
RSI (14)
50.85
ADX
20.79
Direction
Uptrend
Strength
Moderate
SMA 20
1760.47
SMA 50
1764.41
BB Width %
8.16%
OBV
1,492,199
GMLI
Life Insurance
Low Cap
LIVE MARKET
Est. December 26, 2022 · Biratnagar, Morang District, Nepal · CEO: Chirayu Bhandari
gmli.com.np/
NPR 1715.00
▼ 59.80
-3.37%
08:20 AM NPT · Mar 29, 2026
Trading
Open
1751.00
High
1774.50
Low
1700.10
Prev Close
1774.80
Volume
6,226
Turnover
₨1.08Cr
Txns
145
Valuation · Q2 FY25/26
EPS Ann.
3.53
EPS TTM
8.25
BVPS
104.21
P/E Ann.
485.84
P/E TTM
207.88
Graham #
90.98
Capital
Mkt Cap
12.86 Arab
Total
75.0 Lakh
Public
22.5 Lakh
Promoter
52.5 Lakh
52-Week Range
1694
2778
1715.00
From Low
1.2%
From High
-38.3%
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.
Broker Analysis (Zero-Sum)
Live 2026-03-26
Shares Bought
Shares Sold
Net Accumulation
Participating
▲ 15 Buyers
▼ 15 Sellers
Vol: 25,423
▲ BUY SIDE
Total: 13,057
BR# | QTY | AVG | NET | % |
|---|
▼ SELL SIDE
Total: 12,366
BR# | QTY | AVG | NET | % |
|---|
NET FLOW
+691 units
Financial Fundamentals
Sector Peers — Life Insurance (17)
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 | 479 | -8.98 | -1.84% | - | 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 | 483 | -8 | -1.63% | - | 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 | 1,372 | -23.16 | -1.66% | - | 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% |
HLI | 385.3 | -8.18 | -2.08% | - | 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 | 458 | -10.02 | -2.14% | - | 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% |
LICN | 860 | -19.98 | -2.27% | - | 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 | 815 | -8.48 | -1.03% | - | 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 | 609 | -4.97 | -0.81% | - | 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% |
NLICLP | 321 | 0 | 0% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
NLICP | 413 | 0 | 0% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
PMLI | 504 | -8.98 | -1.75% | - | 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% |
PMLIP | 270 | 0 | -0% | 0.01 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
RNLI | 482.5 | -9.6 | -1.95% | - | 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 | 458.7 | -3.51 | -0.76% | - | 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% |
SNLI | 480.5 | -10.11 | -2.06% | - | 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 | 409 | -7.41 | -1.78% | - | 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% |
SRLIP | 200 | 0 | 0% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| AVG | 529.41 | -7.73 | -1.28% | 0.01 | 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 | 479 | -8.18 | -1.66% | 0.01 | 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 | 1,372 | 0 | 0% | 0.01 | 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 | 200 | -23.16 | -2.27% | 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% |