Himalayan Life Insurance Limited

Life InsuranceHigh Cap

NPR 303.00

NPR -0.3-0.10%

09:14 AM NPT · Nov 6, 2026

Est. May 9, 2023 (Merger Effective Date) · P. Box 25979, Kathmandu, Bagmati Province, Nepal · CEO: Kapil Kumar Dahal

Himalayan Life Insurance Limited is the result of a historic merger between Prime Life Insurance Company Ltd., Gurans Life Insurance Company Ltd., and Union Life Insurance Company Ltd. This landmark integration combines the strengths, people, and capabilities of three established insurers to create one of Nepal’s most robust and future-focused life insurance companies. The merger represents a major milestone for the Nepali insurance sector, enhancing operational efficiency, expanding nationwide reach, strengthening product diversity, and elevating service standards. With a unified portfolio of life insurance products, Himalayan Life Insurance aims to lead the market through innovation, customer-centric solutions, and sustainable growth. Insurance plays a vital role in Nepal’s socio-economic development. Himalayan Life Insurance is committed to advancing financial security, generating employment opportunities for agents and staff, and improving the quality of life for stakeholders across urban and rural communities. Through timely training, strong distribution networks, and continuous agent support, the company seeks to promote “Insurance by Will” rather than “Insurance by Chance,” reinforcing awareness and accessibility nationwide. With an expanded branch network, a highly dedicated team, and a diverse product suite, Himalayan Life Insurance is positioned to become a dominant force in Nepal’s insurance landscape. Guided by strong leadership and a customer-first approach, the company strives to create a great workplace for employees, support local economies, and build enduring relationships with customers through trusted products and partnerships.

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Trading

Open

304.00

High

307.00

Low

303.00

Prev Close

303.30

Volume

14,482

Turnover

Rs 4,394,761.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

3.48

EPS TTM

3.48

BVPS

116.61

P/E Ann.

87.07

P/E TTM

87.07

Graham #

95.55

Capital

Mkt Cap

27.7 Arab

Total

9.14 Crore

Public

4.48 Crore

Promoter

4.66 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

49.27

ADX

29.18

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

301.26

SMA 50

303.55

Bands & Channels

BB Width %

6.52%

Volume & Flow

OBV

-5,691,985

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

149,408

Shares Bought

Total Sell

149,408

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

36,381

Amount

11,122,097

Avg Rate

305.71

Rank

Brokers

#42#41#35#17

Distributors

Quantity

41,498

Amount

12,602,641

Avg Rate

303.69

Rank

#11

Brokers

#60#44#70#57

Net Flow Impact:

-5,117units

(Rs. -1,480,544)

Net Flow by Timeframe

HLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 188,479 ]

Buy Side

Total: 101,415

Broker

QTY

AVG

NET

18,631

304.29

+15,298

12.5%

10,239

306.06

+543

6.8%

9,285

304.60

+3,332

6.2%

8,350

305.68

+3,021

5.6%

6,890

304.23

+4,095

4.6%

6,500

307.41

+5,469

4.3%

5,910

309.45

+2,674

4.0%

5,831

303.17

+3,443

3.9%

5,774

308.94

+4,590

3.9%

5,728

303.57

+4,296

3.8%

5,476

305.13

+4,339

3.7%

3,935

305.70

+1,321

2.6%

3,566

305.15

+2,789

2.4%

3,100

303.00

+2,527

2.1%

2,200

303.70

+1,041

1.5%

Sell Side

Total: 87,064

Broker

QTY

AVG

NET

12,863

305.21

-10,847

8.6%

12,550

301.41

-12,550

8.4%

8,085

304.27

-4,690

5.4%

8,000

304.25

-8,000

5.3%

6,289

305.94

-2,357

4.2%

5,496

306.08

-3,479

3.7%

5,415

306.18

-3,580

3.6%

5,055

302.90

-4,094

3.4%

4,774

305.86

-2,323

3.2%

4,238

303.52

-2,619

2.8%

3,572

300.97

-3,072

2.4%

3,398

303.69

-946

2.3%

2,633

304.73

-180

1.8%

2,354

307.12

-2,354

1.6%

2,342

306.88

-42

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	28,600	30,530	16,751	0	-6.32%
Property and Equipment	615,034	604,799	808,629	0	+1.69%
Investment Properties	758,160	758,160	0	0	0.00%
Deferred Tax Assets	470,495	0	61,275	0	-
Investment in Subsidiaries	150,000	150,000	0	0	0.00%
Investment in Associates	82,554	107,624	0	0	-23.29%
Investments	82,880,740	74,705,065	65,380,660	0	+10.94%
Loans	8,608,330	8,006,142	7,003,760	0	+7.52%
Reinsurance Assets	7,335	6,345	0	0	+15.60%
Current Tax Assets	1,266,998	616,528	1,800,341	0	+105.51%
Insurance Receivables	472.23	478.24	524313.26	0	-1.26%
Insurance Payable	191,658	318,777	561,571	0	-39.88%
Other Financial Assets	2,394,344	4,450,560	1,305,083	0	-46.20%
Other Assets	28,639	26,057	52,011	0	+9.91%
Cash and Cash Equivalent	5,644,348	2,144,475	544,832	0	+163.20%
Total Assets	102,936,049	91,606,763	77,497,655	0	+12.37%
Equity
Share Capital	9,143,237	9,143,237	8,020,384	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	472,239	465,932	434,832	0	+1.35%
Retained Earnings	1,046,445	702,909	1,421,325	0	+48.87%
Other Equity	-2,130,784	-144,360	252,502	0	-1376.02%
Total Equity	8,531,136	10,167,718	10,129,042	0	-16.10%
Liabilities
Insurance & Contract Liabilities
Provisions	481,657	162,561	236,531	0	+196.29%
Gross Insurance Contract Liabilities	89,566,246	77,045,467	64,546,261	0	+16.25%
Other Financial Liabilities	889,953	1,079,238	1,333,805	0	-17.54%
Other Liabilities	3,275,398	2,691,080	690,444	0	+21.71%
Taxes & Funding
Deferred Tax Liabilities	0.00	141921.32	0.00	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	94,404,913	81,439,045	67,368,612	0	+15.92%
Total Equity and Liabilities	102,936,049	91,606,763	77,497,655	0	+12.37%

Sector Peers — Life Insurance (21)

Peer Comparison

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 Expense Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	422.2	-1.78	-0.42%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	442	+1.5	+0.34%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,192	+147.12	+14.08%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	886	-1.51	-0.17%	0.01	0.48	104.58	101.43	8.92	0.66	2.14	2.14	70.96	6.87	80.96	11.55	2.79	11.19	546.68	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
ILI	443	+0.31	+0.07%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	799	+2.07	+0.26%	0.04	0.22	162.36	141.93	7.21	16.74	7.38	7.38	164.19	7.4	131.75	2.97	1.21	4.86	107.02	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	740	+1.03	+0.14%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	580	-0.99	-0.17%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	429	+1.58	+0.37%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	446	-3.01	-0.67%	0.02	0.32	121.18	106.28	9.89	3.02	11.21	11.21	174.83	6.11	88.19	8.2	7.42	3.63	39.25	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	429.9	-0.3	-0.07%	0.02	0.31	121.29	120.27	8.79	9.02	7.59	7.59	143.92	6.75	105.44	6.04	2.22	3.41	54.41	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	416	+2.19	+0.53%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	378.1	+1.09	+0.29%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	584.86	11.49	1.12%	0.03	0.325	118.3	112.95	9.07	7.48	6.93	6.93	131.4	6.39	97.08	6.81	3.46	5.222	365.51	345.121	4.318	94.54	1.14	1.14%	5.87	5.87%
MED	443	1.03	0.14%	0.02	0.32	116.29	109.38	9.39	4.79	7.59	7.59	140.98	6.41	91.89	6.86	2.89	3.78	55.64	56.25	1.98	96.45	1.25	1.25%	6.46	6.46%
MAX	1,192	147.12	14.08%	0.07	0.48	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.62	131.75	14.72	7.42	12.17	3,455	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	378.1	-3.01	-0.67%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	3.38	34.93	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%