Himalayan Everest Insurance Limited

Non Life InsuranceMid Cap

NPR 536.00

NPR +6.3+1.19%

06:46 AM NPT · May 14, 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

537.00

High

538.00

Low

527.00

Prev Close

529.70

Volume

3,611

Turnover

Rs 1,917,053.9

Txns

Valuation · Q2 FY25/26

EPS Ann.

1.26

EPS TTM

15.53

BVPS

209.67

P/E Ann.

425.40

P/E TTM

34.51

Graham #

77.10

Capital

Mkt Cap

13.4 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)

53.48

ADX

21.13

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

521.69

SMA 50

531.46

Bands & Channels

BB Width %

5.81%

Volume & Flow

OBV

2,338,294

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

36,167

Shares Bought

Total Sell

36,167

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

13,900

Amount

7,408,764

Avg Rate

533.00

Rank

Brokers

#44#33

Distributors

Quantity

17,654

Amount

9,395,010

Avg Rate

532.17

Rank

Brokers

#77#34#51#46#35

Net Flow Impact:

-3,754units

(Rs. -1,986,246)

Net Flow by Timeframe

HEI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 60,090 ]

Buy Side

Total: 34,574

Broker

QTY

AVG

NET

8,000

532.98

+7,892

22.1%

5,900

533.04

+5,490

16.3%

3,510

528.68

+1,818

9.7%

3,503

536.11

+1,078

9.7%

2,650

527.88

+2,650

7.3%

2,261

526.62

+498

6.3%

2,200

532.36

+2,190

6.1%

1,498

529.39

+1,498

4.1%

1,350

529.36

+1,315

3.7%

1,010

526.97

+930

2.8%

750

539.51

+250

2.1%

750

522.36

+750

2.1%

705

529.31

+705

1.9%

400

527.49

+100

1.1%

519.29

+87

0.2%

Sell Side

Total: 25,516

Broker

QTY

AVG

NET

8,470

533.13

-8,470

23.4%

2,475

535.68

-2,325

6.8%

2,379

529.58

-1,719

6.6%

2,330

531.65

-2,320

6.4%

2,000

527.50

-2,000

5.5%

1,466

527.78

-1,466

4.0%

1,397

529.18

-1,397

3.9%

1,085

530.46

-1,085

3.0%

816

526.43

-616

2.3%

691

527.00

-591

1.9%

637

533.69

-593

1.8%

630

534.95

-630

1.7%

401

535.00

-401

1.1%

400

530.07

-400

1.1%

339

530.21

-183

0.9%

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	424.9	-0.08	-0.02%	-	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	490	-2.51	-0.51%	-	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	615	+5	+0.82%	-	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	575	0	0%	-	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	1,003	-13	-1.28%	-	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	647	-6.8	-1.04%	-	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	15,031	-469.67	-3.03%	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	583	-6.01	-1.02%	-	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	454.3	-7.72	-1.67%	-	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	-0.99	-0.16%	-	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	710	-4	-0.56%	-	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	437	-4.01	-0.91%	-	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	1,798.77	-42.48	-0.78%	0.04	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	599	-4.01	-0.74%	0.04	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	15,031	5	0.82%	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	424.9	-469.67	-3.03%	0.04	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%