Guardian Micro Life Insurance Limited

Life InsuranceLow Cap

NPR 1,279.90

NPR -10.1-0.78%

09:14 AM NPT · May 14, 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

1,230.00

High

1,329.00

Low

1,230.00

Prev Close

1,290.00

Volume

1,893

Turnover

Rs 2,393,362.7

Txns

Valuation · Q2 FY25/26

EPS Ann.

3.53

EPS TTM

8.25

BVPS

104.21

P/E Ann.

362.58

P/E TTM

155.14

Graham #

90.98

Capital

Mkt Cap

9.6 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)

33.09

ADX

56.69

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1358.88

SMA 50

1545.4

Bands & Channels

BB Width %

24.42%

Volume & Flow

OBV

1,429,655

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

9,390

Shares Bought

Total Sell

9,390

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 25%

Distribution 75%

Accumulators

Quantity

989

Amount

1,290,301

Avg Rate

1304.65

Rank

#14

Brokers

#13#53#64

Distributors

Quantity

2,968

Amount

3,826,817

Avg Rate

1289.36

Rank

#13

Brokers

#95#58#44#46

Net Flow Impact:

-1,979units

(Rs. -2,536,516)

Net Flow by Timeframe

GMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 11,550 ]

Buy Side

Total: 4,354

Broker

QTY

AVG

NET

630

1315.36

+129

6.7%

434

1294.99

+135

4.6%

425

1296.66

+405

4.5%

328

1294.80

+180

3.5%

300

1312.02

+230

3.2%

300

1339.58

+290

3.2%

270

1304.29

+100

2.9%

265

1301.41

+225

2.8%

264

1277.83

+234

2.8%

252

1289.23

+190

2.7%

200

1325.50

+200

2.1%

200

1311.02

+200

2.1%

198

1285.67

+110

2.1%

188

1270.80

+88

2.0%

100

1297.50

+30

1.1%

Sell Side

Total: 7,196

Broker

QTY

AVG

NET

1,452

1306.65

-470

15.5%

828

1267.49

-50

8.8%

654

1261.28

-369

7.0%

620

1314.89

-75

6.6%

541

1311.30

-6

5.8%

530

1305.48

-177

5.6%

484

1281.35

-171

5.2%

475

1248.66

-475

5.1%

387

1321.89

-367

4.1%

350

1291.93

-350

3.7%

272

1304.52

-262

2.9%

213

1328.37

-13

2.3%

210

1292.55

-40

2.2%

110

1300.91

-10

1.2%

1286.04

-60

0.8%

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	454.2	-1.69	-0.37%	-	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	452.8	-2.18	-0.48%	-	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	1,208	+101.98	+9.22%	-	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	336.9	-2.99	-0.88%	-	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	434.9	-1.09	-0.25%	-	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	813.9	+1.87	+0.23%	-	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	763.4	+1.22	+0.16%	-	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	587.7	+2.69	+0.46%	-	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	461.6	-3.39	-0.73%	-	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	-3	-0.65%	-	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	-2.19	-0.51%	-	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	449	-0.99	-0.22%	-	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	391.4	+0.39	+0.1%	-	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	556.91	6.97	0.47%	-	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	454.2	-1.09	-0.25%	-	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	1,208	101.98	9.22%	-	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	336.9	-3.39	-0.88%	-	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%