Himalayan Everest Insurance Limited

Non Life InsuranceLow Cap

NPR 473.00

NPR -1.7-0.36%

09:14 AM NPT · Sep 24, 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

474.50

High

474.50

Low

465.00

Prev Close

474.70

Volume

5,740

Turnover

Rs 2,681,188

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.51

EPS TTM

13.51

BVPS

213.94

P/E Ann.

35.01

P/E TTM

35.01

Graham #

255.01

Capital

Mkt Cap

11.83 Arab

Total

2.5 Crore

Public

1.23 Crore

Promoter

1.28 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

59.51

ADX

57.42

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

477.48

SMA 50

510.42

Bands & Channels

BB Width %

16.93%

Volume & Flow

OBV

2,264,788

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

35,154

Shares Bought

Total Sell

35,154

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 63%

Distribution 37%

Accumulators

Quantity

18,573

Amount

8,839,282

Avg Rate

475.92

Rank

Brokers

#67#64#44

Distributors

Quantity

10,890

Amount

5,236,546

Avg Rate

480.86

Rank

Brokers

#85#66

Net Flow Impact:

+7,683units

(Rs. 3,602,736)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 63,123 ]

Buy Side

Total: 30,533

Broker

QTY

AVG

NET

8,050

478.78

+8,050

22.9%

5,493

468.34

+5,493

15.6%

5,030

479.63

+4,041

14.3%

2,498

475.60

+2,138

7.1%

2,458

474.07

+2,297

7.0%

1,307

476.00

+1,297

3.7%

1,090

471.82

+1,090

3.1%

1,000

477.00

+1,000

2.8%

735

472.79

+538

2.1%

715

477.28

+715

2.0%

537

476.40

+527

1.5%

500

465.30

+500

1.4%

500

473.55

+300

1.4%

320

476.03

+220

0.9%

300

470.13

+100

0.8%

Sell Side

Total: 32,590

Broker

QTY

AVG

NET

5,870

477.94

-5,870

16.7%

5,490

473.83

-4,790

15.6%

5,020

484.27

-5,020

14.3%

4,600

466.36

-4,600

13.1%

4,500

466.72

-4,500

12.8%

3,000

478.33

-3,000

8.5%

2,236

472.15

-284

6.4%

510

474.10

-510

1.4%

385

480.95

-285

1.1%

100

340

479.00

-340

1.0%

251

471.21

-251

0.7%

232

468.49

-132

0.7%

101

478.00

-101

0.3%

479.00

-35

0.1%

479.00

-20

0.1%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	16,416	20,293	21,397	0	-19.11%
Property and Equipment	1,230,790	1,193,559	686,692	0	+3.12%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	12531.85	95966.71	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	5,335,799	4,972,081	5,017,050	0	+7.32%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	3,332,008	3,165,921	2,332,141	0	+5.25%
Current Tax Assets	86,301	36,891	131,146	0	+133.93%
Insurance Receivables	287,009	570,410	207,984	0	-49.68%
Other Financial Assets	85,529	115,766	86,397	0	-26.12%
Other Assets	307,382	99,435	65,864	0	+209.13%
Cash and Cash Equivalent	44,226	122,229	170,605	0	-63.82%
Total Assets	10,725,459	10,519,278	8,815,243	0	+1.96%
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	99,090	83,223	73,760	0	+19.07%
Retained Earnings	274,792	333,559	380,041	0	-17.62%
Other Equity	392,629	2,341,957	1,842,248	0	-83.24%
Total Equity	5,348,801	5,258,897	4,796,205	0	+1.71%
Liabilities
Insurance & Contract Liabilities
Provisions	7,190	6,383	3,418	0	+12.66%
Gross Insurance Contract Liabilities	4,475,795	4,333,408	3,450,443	0	+3.29%
Insurance Payable	125,682	382,393	66,313	0	-67.13%
Other Financial Liabilities	286,836	221,555	212,924	0	+29.46%
Other Liabilities	426,449	316,643	285,940	0	+34.68%
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	5,376,658	5,260,381	4,019,038	0	+2.21%
Total Equity and Liabilities	10,725,459	10,519,278	8,815,243	0	+1.96%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q4

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	393	+0.71	+0.18%	0.01	0.18	179.53	91.69	40.8	1.65	0.13	0.13	72.18	22.92	4.14	100.81	31.68	0.17	2.5	3,453.85	3,138.46	29.76	6.04	33.11	0.03	0.03%	0.07	0.07%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	456	-2.98	-0.65%	0.01	0.22	176.85	84.49	19.84	0.7	5	5	78.8	141.05	3.77	76.74	27.59	8.19	2.9	102.58	93.38	21.95	8.39	51.86	1.79	1.79%	3.08	3.08%
NIL	529.8	-3.2	-0.6%	0.01	0.22	226.33	75.01	18.22	0.94	10.4	10.4	66.61	230.13	2.98	66.7	26.53	11.3	2.7	58.65	51.49	34.99	6.63	58.82	2.49	2.49%	4.63	4.63%
NLG	512	-6.01	-1.16%	0.01	0.21	166.36	86.02	36.64	1.04	2.17	2.17	68.57	90.13	5.27	91.42	31.24	3.14	3.35	257.14	244.24	35.35	8.11	28.8	0.64	0.64%	1.28	1.28%
NMIC	821.8	-8.22	-0.99%	0.01	0.23	106.36	73.15	30.81	0.49	5.68	5.68	98.27	116.59	4.97	45.97	57.99	16.53	8.37	156.67	148.77	2,035.6	25.91	41.8	3.87	3.87%	5.51	5.51%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	592	-9.87	-1.64%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
RBCL	14,000	+198.74	+1.44%	0.04	0.04	6,407.05	70.88	96.13	0.45	129.18	129.18	52.63	4,315.37	2.52	76.41	90.6	37.76	2.32	115.18	105.86	9.59	43.5	15.63	1.4	1.4%	2	2%
SALICO	533	-7.02	-1.3%	0.01	0.23	232.72	81.06	23.27	1.06	11.94	11.94	53.84	250.04	3.98	79.83	24.5	9.62	2.6	50.67	45.64	81.07	4.88	49.14	2.25	2.25%	5.06	5.06%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	385.1	-1.9	-0.49%	0.01	0.17	147.33	64.76	54.71	1.65	5.76	5.76	57.52	138.18	3.01	78.87	40.6	9.09	3.18	81.42	69.24	41.03	7.4	30.52	1.52	1.52%	3.94	3.94%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	552	-6.03	-1.08%	0.02	0.2	191.95	75.26	38.7	1.56	4.19	4.19	70.32	134.52	3.91	81.27	32.69	4.4	3.2	146.78	137.92	32.17	6.45	31.47	0.89	0.89%	2.21	2.21%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	623	-6.99	-1.11%	0.02	0.17	260.26	84.04	24.47	1.78	11.65	11.65	60.08	261.19	3.98	76.37	32.14	10.54	2.85	63.61	54.51	36.13	6.71	49.06	1.82	1.82%	4.35	4.35%
UAIL	371.9	+1.89	+0.51%	0.01	0.22	188.01	79.81	24.68	1.08	2.73	2.73	88.01	107.46	2.63	72.74	31.75	3.49	2.3	158.61	139.93	16.79	5.54	44.37	0.76	0.76%	1.49	1.49%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,647.47	12.43	-0.57%	0.01	0.186	706.31	75.61	36.5	1.12	16.85	16.85	68.83	504.01	3.97	73.5	38.61	11.55	3.311	391.27	356.223	201.02	11.815	39.53	1.74	1.74%	3.39	3.39%
MED	531.4	-4.6	-0.82%	0.01	0.205	189.98	77.54	30.27	1.07	5.72	5.72	67.59	139.62	3.95	76.57	31.95	9.36	2.875	108.88	99.62	35.17	7.055	40.77	1.66	1.66%	3.51	3.51%
MAX	14,000	198.74	1.44%	0.04	0.23	6,407.05	91.69	96.13	1.78	129.18	129.18	98.27	4,315.37	6.45	100.81	90.6	37.76	8.37	3,453.85	3,138.46	2,035.6	43.5	58.82	3.87	3.87%	7.08	7.08%
MIN	371.9	-9.87	-1.64%	0.01	0.04	106.36	41.17	18.22	0.45	0.13	0.13	52.63	22.92	2.52	34.87	24.5	0.17	2.3	50.12	45.23	9.59	4.88	15.63	0.03	0.03%	0.07	0.07%