Himalayan Everest Insurance Limited

Non Life InsuranceMid Cap

NPR 532.00

NPR -4.5-0.84%

09:14 AM NPT · May 15, 2026

Est. Merger-based entity (Himalayan General Insurance + Everest Insurance) formalized in 2021 A.D. · Babarmahal, Kathmandu, Nepal · CEO: Anju Shrestha

Himalayan Everest Insurance Limited is one of Nepal’s established non-life (general) insurance providers. It traces its modern form to the merger of two legacy insurers bringing together experience and legacy in the Nepali insurance industry.HEI offers a broad array of insurance products, including vehicle/motor insurance, property/fire insurance, health insurance, travel insurance, corporate insurance, and other general-insurance plans tailored for individuals, businesses, and institutional clients across Nepal. Through its nationwide branch and agency network, HEI aims to make non-life insurance accessible even beyond metropolitan areas. Its head office is located in Babarmahal, Kathmandu. As a publicly listed company (ticker symbol “HEI” on the Nepal Stock Exchange), it maintains regulatory compliance, transparency in public disclosures, and operates under the norms set for insurers by Nepal’s regulatory bodies. In its recent financial year, HEI declared a cash dividend of 8.75% for FY 080/081 a signal that despite challenges, the company continues to deliver returns to shareholders. The company emphasizes a combined focus on reliable risk underwriting, customer-oriented service, and expansion of its product offerings to adapt to evolving market needs.

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Trading

Open

545.00

High

545.00

Low

530.10

Prev Close

536.50

Volume

4,815

Turnover

Rs 2,572,844.1

Txns

Valuation · Q2 FY25/26

EPS Ann.

1.26

EPS TTM

15.53

BVPS

209.67

P/E Ann.

422.22

P/E TTM

34.26

Graham #

77.10

Capital

Mkt Cap

13.3 Arab

Total

2.5 Crore

Public

1.23 Crore

Promoter

1.28 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

62.72

ADX

23.04

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

522.37

SMA 50

531.47

Bands & Channels

BB Width %

6.37%

Volume & Flow

OBV

2,342,156

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

38,963

Shares Bought

Total Sell

38,963

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

11,788

Amount

6,271,132

Avg Rate

531.99

Rank

Brokers

#33#82

Distributors

Quantity

18,880

Amount

10,068,302

Avg Rate

533.28

Rank

Brokers

#77#51#34#43#48

Net Flow Impact:

-7,092units

(Rs. -3,797,170)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 65,449 ]

Buy Side

Total: 35,309

Broker

QTY

AVG

NET

6,802

534.01

+5,940

17.5%

5,050

532.06

+3,358

13.0%

4,986

529.24

+4,986

12.8%

4,350

532.99

+4,315

11.2%

4,000

536.62

+3,952

10.3%

3,765

534.00

+3,755

9.7%

3,595

536.39

+2,315

9.2%

1,498

529.39

+1,498

3.8%

400

527.49

+370

1.0%

305

531.04

+305

0.8%

250

528.00

+250

0.6%

146

533.66

+53

0.4%

105

532.71

+105

0.3%

535.57

+30

0.1%

527.86

+27

0.1%

Sell Side

Total: 30,140

Broker

QTY

AVG

NET

9,047

533.24

-9,047

23.2%

3,310

533.74

-3,300

8.5%

2,500

535.99

-2,490

6.4%

2,279

530.00

-1,639

5.8%

2,055

535.31

-2,055

5.3%

1,968

527.10

-1,968

5.0%

1,607

530.90

-427

4.1%

1,496

535.05

-1,486

3.8%

1,107

530.32

-1,107

2.8%

1,000

533.61

-250

2.6%

936

535.19

-936

2.4%

774

531.86

-574

2.0%

720

531.53

-720

1.9%

691

527.00

-591

1.8%

650

534.94

-650

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	16,065,638	18,868,120	22,127,994	0	-14.85%
Property and Equipment	1,197,388,578	1,178,433,004	419,905,664	301,969,000	+1.61%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	12531846.00	85666007.00	0	-100.00%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	210161858.00	0.00	0	-100.00%
Investments	4,590,298,098	4,898,552,140	4,609,184,264	859,662,000	-6.29%
Loans	0.00	0.00	0.00	0.00	-
Reinsurance Assets	4,322,421,259	3,372,733,213	3,495,129,142	0	+28.16%
Current Tax Assets	197,463,596	156,841,269	146,433,431	0	+25.90%
Insurance Receivables	585,659,184	234,120,580	251,612,302	0	+150.15%
Other Financial Assets	102,344,327	72,839,451	280,030,236	0	+40.51%
Other Assets	428,282,473	124,727,050	100,745,237	4,962,152,000	+243.38%
Cash and Cash Equivalent	897,374,854	150,882,016	119,062,659	306,255,000	+494.75%
Total Assets	12,337,298,007	10,430,690,546	9,529,896,936	6,430,038,000	+18.28%
Equity
Share Capital	2,500,157,400	2,500,157,400	2,301,535,000	2,239,937,000	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0.00	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	2,004,050,938	1,825,416,423	61,669,924	51,007,000	+9.79%
Retained Earnings	308,489,224	375,131,587	312,205,389	662,003,000	-17.77%
Other Equity	429,295,423	420,401,509	1,809,198,240	1,150,746,000	+2.12%
Total Equity	5,241,992,985	5,121,106,919	4,484,608,553	4,103,693,000	+2.36%
Liabilities
Insurance & Contract Liabilities
Provisions	8,161,537	-7,878,986	3,417,533	1,731,354,000	+203.59%
Gross Insurance Contract Liabilities	5,810,112,340	4,673,608,010	4,627,972,561	0	+24.32%
Insurance Payable	775,161,980	230,005,930	77,941,605	0	+237.02%
Other Financial Liabilities	176,429,061	122,048,692	217,756,117	0	+44.56%
Other Liabilities	265,010,303	291,799,980	118,200,567	594,993,000	-9.18%
Taxes & Funding
Deferred Tax Liabilities	60,429,798	0	0	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0.00	-
Total Liabilities	7,095,305,019	5,309,583,626	5,045,288,383	2,326,347,000	+33.63%
Total Equity and Liabilities	12,337,298,004	10,430,690,546	9,529,896,936	6,430,040,000	+18.28%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	423	+2.02	+0.48%	0.01	0.14	176.25	-	-11.96	1.34	72.9	-	0%	-	-19.8%	4.75	-35.03	0	-35.09	313.21	27.77	-2.74%	0.3%	-6.5%	0.73%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	486.5	+1.5	+0.31%	0.01	0.19	166.91	-	0.39	9.24	186.28	-	0%	-	0.69%	5.97	1,277.18	0	1,256.41	53.03	35.72	0.12%	3.2%	0.24%	6.03%
NIL	613	+1.71	+0.28%	0.02	0.17	229.19	-	0.8	15.07	278.77	-	0%	-	1.06%	5.39	772.5	0	753.75	40.01	32.92	0.18%	3.39%	0.36%	6.84%
NLG	567	-6.89	-1.2%	0.02	0.18	163.55	-	0.86	3.81	118.41	-	0%	-	1.41%	8.31	790.58	0	779.42	175.93	44.58	0.24%	1.1%	0.6%	2.65%
NMIC	1,007.5	+7.5	+0.75%	0.01	0.14	101.65	-	3.61	1.99	67.46	-	0%	-	21.06%	24.4	343.49	0.09	362.88	658.29	289.04	3.02%	1.67%	4.18%	2.31%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	648	-6.02	-0.92%	0.01	0.14	202.27	-	14.85	12.88	242.11	-	0%	-	25.88%	12.78	43.5	0	47.35	54.6	180.2	3.56%	3.12%	7.52%	6.54%
RBCL	15,400	+500.62	+3.36%	0.04	0.04	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	4.6	111.69	0	112.82	154.89	145.67	1.42%	1.04%	2.08%	1.51%
SALICO	587	+4.02	+0.69%	0.02	0.19	227.43	-	2.85	14.29	270.42	-	0%	-	2.33%	5.28	210.53	0	208.42	41.57	19.7	0.44%	2.23%	1.2%	6.04%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	458	-1.01	-0.22%	0.01	0.1	145.61	-	-8.92	6.18	142.29	-	0%	-	-18.98%	6.62	-54.02	0	-52.35	75.57	41.01	-1.98%	1.37%	-6.2%	4.29%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	615	+3	+0.49%	0.02	0	196.64	-	-3.06	5.15	150.95	-	0%	-	-3,634.59%	6.36	-204.41	0	-201.96	120	31,275	-0.58%	1%	-1.56%	2.64%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	709.9	-0.21	-0.03%	0.02	0	241.32	-	-12.72	11.03	244.72	-	0%	-	-15,930.16%	5.94	-56.35	0	-54	62.28	35,840	-1.8%	1.56%	-4.8%	4.17%
UAIL	441.9	+1.01	+0.23%	0.01	0.21	171.7	-	-9.23	1.74	81.99	-	0%	-	-13.63%	5.22	-48.59	0	-49.47	262.41	26.5	-2.86%	0.53%	-5.48%	1.03%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,829.73	42.27	0.35%	0.02	0.125	706.98	-	9.2	14.96	467.37	-	0%	-	-1,627.68%	7.968	262.589	0.008	260.682	167.649	5,663.176	-0.08%	1.71%	-0.7%	3.73%
MED	600	1.61	0.3%	0.01	0.14	186.45	-	0.6	7.71	168.62	-	0%	-	0.88%	5.955	77.595	0	80.085	97.785	42.795	0.15%	1.47%	0.3%	3.41%
MAX	15,400	500.62	3.36%	0.04	0.21	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	24.4	1,277.18	0.09	1,256.41	658.29	35,840	3.56%	3.39%	7.52%	6.84%
MIN	423	-6.89	-1.2%	0.01	0	101.65	-	-12.72	1.34	67.46	-	0%	-	-15,930.16%	4.6	-204.41	0	-201.96	40.01	19.7	-2.86%	0.3%	-6.5%	0.73%