Himalayan Everest Insurance Limited

Non Life InsuranceMid Cap

NPR 538.00

NPR 00.00%

09:14 AM NPT · Jun 26, 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

553.00

High

553.00

Low

538.00

Prev Close

538.00

Volume

3,859

Turnover

Rs 2,088,870.6

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.90

EPS TTM

12.42

BVPS

205.28

P/E Ann.

91.19

P/E TTM

43.32

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

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

21.11

ADX

46.88

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

557.58

SMA 50

539.38

Bands & Channels

BB Width %

8.3%

Volume & Flow

OBV

2,409,996

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

43,613

Shares Bought

Total Sell

43,613

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 58%

Distribution 42%

Accumulators

Quantity

21,360

Amount

11,685,513

Avg Rate

547.07

Rank

Brokers

#44#77

Distributors

Quantity

15,546

Amount

8,504,067

Avg Rate

547.03

Rank

Brokers

#68#62#50#67

Net Flow Impact:

+5,814units

(Rs. 3,181,446)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 69,805 ]

Buy Side

Total: 39,503

Broker

QTY

AVG

NET

11,165

545.09

+11,087

25.6%

10,195

549.24

+10,180

23.4%

4,710

548.43

+4,260

10.8%

4,212

548.80

+227

9.7%

1,905

546.84

+1,163

4.4%

1,743

546.34

+1,205

4.0%

1,120

539.97

+1,110

2.6%

1,112

544.72

+1,020

2.5%

1,016

548.15

+916

2.3%

600

541.83

+600

1.4%

497

545.82

+497

1.1%

428

540.43

+428

1.0%

300

531.00

+240

0.7%

300

543.00

+300

0.7%

200

534.20

+200

0.5%

Sell Side

Total: 30,302

Broker

QTY

AVG

NET

4,628

548.51

-4,628

10.6%

4,555

549.56

-3,928

10.4%

4,065

541.56

-4,065

9.3%

2,458

541.81

-1,627

5.6%

2,298

548.67

-2,098

5.3%

2,297

547.27

-1,332

5.3%

1,400

546.14

-1,400

3.2%

1,321

550.09

-1,221

3.0%

1,300

548.50

-1,300

3.0%

1,130

550.06

-930

2.6%

1,100

542.53

-1,067

2.5%

1,100

546.09

-1,100

2.5%

1,011

540.11

-1,011

2.3%

939

550.00

-939

2.1%

700

535.55

-600

1.6%

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	439.9	+1.01	+0.23%	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	516.5	-2.49	-0.48%	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	620	+4	+0.65%	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	594.9	-4.98	-0.83%	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	973	+5.8	+0.6%	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	680.1	-7.91	-1.15%	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	14,645	+216.43	+1.5%	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	612.5	+17.49	+2.94%	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	473	+1.7	+0.36%	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	618	+2.89	+0.47%	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	705	+8.02	+1.15%	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	456	-4	-0.87%	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	1,777.83	19.83	0.38%	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	615.25	2.29	0.42%	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	14,645	216.43	2.94%	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	439.9	-7.91	-1.15%	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%