Himalayan Everest Insurance Limited

Non Life InsuranceLow Cap

NPR 444.30

NPR +0.9+0.20%

09:14 AM NPT · Nov 6, 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

442.00

High

444.40

Low

437.00

Prev Close

443.40

Volume

7,303

Turnover

Rs 3,217,825.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.51

EPS TTM

13.51

BVPS

213.94

P/E Ann.

32.89

P/E TTM

32.89

Graham #

255.01

Capital

Mkt Cap

11.11 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

Moderate

Momentum

RSI (14)

45.98

ADX

20.96

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

442.25

SMA 50

466.13

Bands & Channels

BB Width %

6.36%

Volume & Flow

OBV

2,078,132

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

87,682

Shares Bought

Total Sell

87,682

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

44,806

Amount

19,678,499

Avg Rate

439.19

Rank

Brokers

#64#38#48#41

Distributors

Quantity

34,191

Amount

14,959,305

Avg Rate

437.52

Rank

Brokers

#42#50#49

Net Flow Impact:

+10,615units

(Rs. 4,719,195)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 136,247 ]

Buy Side

Total: 71,082

Broker

QTY

AVG

NET

15,403

439.44

+14,743

17.6%

12,655

441.66

+11,720

14.4%

11,895

434.89

+5,520

13.6%

4,853

442.51

+4,853

5.5%

4,746

441.68

+1,216

5.4%

4,233

441.93

+4,218

4.8%

3,186

439.88

+218

3.6%

2,880

440.99

+2,670

3.3%

2,617

450.01

+1,867

3.0%

2,000

442.24

+2,000

2.3%

1,809

437.07

+1,779

2.1%

1,350

439.37

+1,350

1.5%

1,245

437.70

+755

1.4%

1,210

440.07

+990

1.4%

1,000

439.80

+197

1.1%

Sell Side

Total: 65,165

Broker

QTY

AVG

NET

17,259

434.63

-16,489

19.7%

9,286

441.70

-7,786

10.6%

7,646

438.98

-7,283

8.7%

5,801

441.33

-2,803

6.6%

4,999

440.71

-4,999

5.7%

4,766

438.80

-4,766

5.4%

2,410

440.11

-910

2.8%

2,400

444.00

-2,350

2.7%

2,000

440.04

-1,980

2.3%

1,970

442.10

-1,570

2.3%

1,800

437.14

-1,800

2.0%

101

1,400

443.03

-1,320

1.6%

1,359

438.45

-999

1.6%

1,149

442.32

-649

1.3%

920

441.14

-220

1.1%

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	389.2	-4.29	-1.09%	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	435.6	-3.38	-0.77%	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	517.1	-2.39	-0.46%	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	495	+2.02	+0.41%	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	775	-4.99	-0.64%	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	585.9	+0.88	+0.15%	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	14,200	+469.58	+3.42%	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	523	+3.48	+0.67%	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	387.4	+0.31	+0.08%	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	532.6	-1.39	-0.26%	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	607	+3.08	+0.51%	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	361.5	+0.51	+0.14%	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	1,650.77	38.62	0.18%	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	520.05	0.41	0.11%	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	14,200	469.58	3.42%	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	361.5	-4.99	-1.09%	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%