Himalayan Everest Insurance Limited

Non Life InsuranceMid Cap

NPR 537.90

NPR +3.2+0.60%

09:14 AM NPT · Aug 12, 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

525.00

High

540.00

Low

525.00

Prev Close

534.70

Volume

341

Turnover

Rs 179,962.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.90

EPS TTM

12.42

BVPS

205.28

P/E Ann.

91.17

P/E TTM

43.31

Graham #

165.08

Capital

Mkt Cap

13.45 Arab

Total

2.5 Crore

Public

1.23 Crore

Promoter

1.28 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

51.81

ADX

38.25

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

536.6

SMA 50

540.74

Bands & Channels

BB Width %

3.87%

Volume & Flow

OBV

2,359,854

Flow Analysis

[ Live 2026-08-12 ]

Total Buy

12,604

Shares Bought

Total Sell

12,604

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

5,386

Amount

2,871,225

Avg Rate

533.09

Rank

#12

Brokers

#44#39

Distributors

Quantity

4,841

Amount

2,573,613

Avg Rate

531.63

Rank

#11

Brokers

#57#17#48

Net Flow Impact:

+545units

(Rs. 297,612)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 22,079 ]

Buy Side

Total: 10,688

Broker

QTY

AVG

NET

3,588

532.59

+3,588

28.5%

1,798

534.09

+1,798

14.3%

1,763

535.52

+1,763

14.0%

960

533.90

+770

7.6%

685

535.78

+685

5.4%

611

535.07

+555

4.8%

287

525.00

+196

2.3%

280

535.54

+270

2.2%

150

535.00

+110

1.2%

130

529.97

+130

1.0%

106

525.10

+106

0.8%

100

526.00

+100

0.8%

525.67

+90

0.7%

532.10

+50

0.6%

530.77

+60

0.5%

Sell Side

Total: 11,391

Broker

QTY

AVG

NET

2,336

529.62

-2,336

18.5%

1,521

533.82

-1,321

12.1%

1,460

535.51

-685

11.6%

1,094

534.74

-774

8.7%

984

533.00

-984

7.8%

595

523.89

-595

4.7%

500

535.00

-130

4.0%

500

539.90

-470

4.0%

483

533.48

-283

3.8%

415

531.09

-415

3.3%

400

531.00

-400

3.2%

387

525.18

-387

3.1%

356

534.60

-356

2.8%

200

533.00

-200

1.6%

160

528.19

-160

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	15,537	18,868	22,063	0	-17.65%
Property and Equipment	1,197,263	1,180,779	443,807	0	+1.40%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	12531.85	105389.97	0	-100.00%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	210161.86	0.00	0	-100.00%
Investments	4,809,054	4,399,803	4,394,208	0	+9.30%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	3,838,708	2,406,421	2,642,653	0	+59.52%
Current Tax Assets	165,926	111,181	81,079	0	+49.24%
Insurance Receivables	504,576	425,617	282,490	0	+18.55%
Other Financial Assets	125,910	77,659	205,539	0	+62.13%
Other Assets	439,532	132,305	66,263	0	+232.21%
Cash and Cash Equivalent	732,988	412,663	634,599	0	+77.62%
Total Assets	11,829,493	9,387,992	8,878,090	0	+26.01%
Equity
Share Capital	2,500,157	2,500,157	2,500,157	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	87,724	78,224	72,225	0	+12.14%
Retained Earnings	150,195	240,580	351,491	0	-37.57%
Other Equity	2,394,298	2,217,863	1,789,344	0	+7.96%
Total Equity	5,132,374	5,036,824	4,713,217	0	+1.90%
Liabilities
Insurance & Contract Liabilities
Provisions	8,162	-7,879	3,418	0	+203.59%
Gross Insurance Contract Liabilities	5,198,266	3,536,999	3,732,161	0	+46.97%
Insurance Payable	877,354	310,128	55,971	0	+182.90%
Other Financial Liabilities	100,790	170,753	220,309	0	-40.97%
Other Liabilities	457,843	341,166	153,015	0	+34.20%
Taxes & Funding
Deferred Tax Liabilities	54,706	0	0	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	6,697,120	4,351,167	4,164,873	0	+53.92%
Total Equity and Liabilities	11,829,493	9,387,992	8,878,090	0	+26.01%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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 Income Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	First Policy	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	427.1	-0.09	-0.02%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	70.23	116.65	3.18	100.23	30.09	0.02	3.23	22,150	139.18	28.29	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	500	-0.2	-0.04%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	78.51	191.23	3.02	74.12	29.45	9.75	3.93	90.29	58.83	22.45	15.68	52.66	1.89	3.28%	3.56	6.14%
NIL	606.2	+0.18	+0.03%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	64.86	247.83	2.16	73.58	27.74	9.73	3.9	81.12	52.66	36.01	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	571	+4.98	+0.88%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	67.77	100.71	4.03	103.55	37.92	2.66	5.05	360.98	237.87	36.01	17.12	26.17	0.47	0.74%	1.07	1.67%
NMIC	901	-4.98	-0.55%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	666.9	-2.41	-0.36%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	57.22	248.72	5.9	30.1	35.95	28.41	4.42	41.86	53.58	37.14	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,025	-83.24	-0.59%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	47.81	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	127.2	8.17	74.76	17.04	1.55	1.28%	2.24	1.87%
SALICO	589	-6.01	-1.01%	0.02	0.18	233.64	89.86	23.94	1.43	6.77	10.85	-	238.82	3.1	85.75	28.05	6.4	3.46	89.66	59.45	-	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	452.8	-0.18	-0.04%	0.01	0.13	153.04	71.52	51.92	1.7	3.19	7.82	56.24	164.1	2.36	80.18	43.26	5.67	4.3	154.83	64.07	40.71	15.65	27.09	0.75	1.85%	2.12	5.2%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	615	+3.61	+0.59%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	70.21	151.21	3.23	86.99	33.51	3.62	4.46	209.24	122.5	31.25	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	694	+10.93	+1.6%	0.02	0.13	250.04	106.28	24.95	2.04	1.91	10.68	59.15	245.12	3.1	98.24	32.99	2.08	4.02	394.76	69.35	36.57	14.68	48.17	0.27	1.55%	0.73	4.15%
UAIL	435	+1	+0.23%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	87.54	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	362.12	22.41	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,706.92	-6.37	0.06%	0.02	0.156	714.35	87.75	37.86	1.22	15.97	16.76	68.89	505.78	3.16	83.7	41.91	10.63	4.952	1,985.62	137.229	27.37	28.34	40.35	1.29	1.77%	2.57	3.74%
MED	597.6	-0.13	-0.03%	0.01	0.17	186.16	88.04	30.59	1.17	3.87	8.7	67.77	177.67	3.1	85.85	33.25	6.04	3.975	131.23	95.925	31.25	15.165	43.34	1.12	1.68%	2.24	3.85%
MAX	14,025	10.93	1.6%	0.04	0.22	6,524.1	114.99	105.37	2.04	144.49	120.36	98.24	4,203.32	5.9	119.43	92.28	39.07	15.9	22,150	362.12	40.71	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	427.1	-83.24	-1.01%	0.01	0.04	100.17	36.47	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	30.1	27.74	-5.52	3.18	-116.1	52.66	2.1	10.2	17.04	-1.2	0.39%	-2.32	0.76%