IME Life Insurance Company Limited

Life InsuranceMid Cap

NPR 443.00

NPR +0.3+0.07%

09:14 AM NPT · Nov 6, 2026

Est. October 1, 2008 · Kathmandu, Nepal · CEO: Pawan Kumar Khadka

IME Life Insurance Company Limited, registered on Aswin 15, 2065 (October 1, 2008) and operational since Bhadra 1, 2074 (August 17, 2017), is one of Nepal’s fast-growing life insurers committed to providing protection, savings, and investment-oriented insurance solutions. Established with an authorized capital of NPR 6 billion and a paid-up capital of NPR 5 billion, the company maintains a strong shareholder base, with 70% promoter ownership and 30% public ownership. Promoted by the renowned IME Group, the company benefits from the group’s extensive nationwide infrastructure, including 6,000+ IME Centers and remittance agents, giving IME Life one of the widest customer access networks in the insurance sector. Through agency channels, corporate partnerships, bancassurance, and direct servicing, IME Life continues to expand its footprint rapidly across Nepal. Dedicated to offering international-standard, technology-driven services, the company emphasizes smooth underwriting, hassle-free claims settlement, and customer-friendly insurance solutions. IME Life focuses on enhancing financial security among Nepali citizens through increased life insurance awareness and professional service excellence. With a strong commitment to corporate governance, operational efficiency, and strategic partner development, IME Life Insurance Company Ltd. aims to play a crucial role in expanding insurance penetration and supporting Nepal’s long-term socio-economic development.

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Trading

Open

443.90

High

444.50

Low

440.00

Prev Close

442.70

Volume

9,258

Turnover

Rs 4,094,493.4

Txns

Valuation · Q4 FY25/26

EPS Ann.

11.68

EPS TTM

11.68

BVPS

120.69

P/E Ann.

37.93

P/E TTM

37.93

Graham #

178.09

Capital

Mkt Cap

22.15 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Strong Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

66.92

ADX

43.1

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

434.95

SMA 50

422.91

Bands & Channels

BB Width %

5.7%

Volume & Flow

OBV

-1,078,071

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

75,558

Shares Bought

Total Sell

75,558

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

37,053

Amount

16,313,519

Avg Rate

440.28

Rank

Brokers

#14#64

Distributors

Quantity

29,211

Amount

12,867,238

Avg Rate

440.49

Rank

#10

Brokers

#42#45#58#38#57#22

Net Flow Impact:

+7,842units

(Rs. 3,446,281)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 108,100 ]

Buy Side

Total: 57,235

Broker

QTY

AVG

NET

22,474

439.70

+20,674

29.7%

14,579

441.16

+14,579

19.3%

5,091

442.38

+2,259

6.7%

4,767

442.07

+4,186

6.3%

101

2,000

437.50

+1,590

2.6%

1,250

439.80

+231

1.6%

1,025

439.67

+547

1.4%

1,000

442.70

+842

1.3%

962

439.97

+10

1.3%

914

441.32

+914

1.2%

782

439.46

+171

1.0%

697

441.46

+697

0.9%

600

443.00

+406

0.8%

570

442.03

+570

0.8%

524

436.98

+463

0.7%

Sell Side

Total: 50,865

Broker

QTY

AVG

NET

7,513

440.82

-4,987

9.9%

6,923

440.69

-4,748

9.2%

6,043

438.81

-3,226

8.0%

3,734

438.04

-1,530

4.9%

3,721

442.20

-3,073

4.9%

3,196

441.47

-1,998

4.2%

2,736

440.36

-2,684

3.6%

2,521

440.01

-2,191

3.3%

2,283

442.24

-1,232

3.0%

2,275

440.66

-2,263

3.0%

2,236

440.07

-2,236

3.0%

2,148

442.86

-2,128

2.8%

2,120

439.98

-920

2.8%

1,719

439.91

-974

2.3%

1,697

439.90

-1,697

2.3%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	10,677	7,332	8,277	0	+45.62%
Property and Equipment	278,634	167,463	148,088	0	+66.39%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	258,277	476,728	523,074	0	-45.82%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	23,287,691	17,540,587	15,346,892	0	+32.76%
Loans	1,306,514	1,008,196	700,023	0	+29.59%
Reinsurance Assets	17,496	0	0	0	-
Current Tax Assets	599,673	475,758	343,034	0	+26.05%
Insurance Receivables	0.00	0.00	0.00	0	-
Insurance Payable	61,959	10,648	103,246	0	+481.90%
Other Financial Assets	84,562	1,158,086	269,222	0	-92.70%
Other Assets	15,801	27,146	25,096	0	-41.79%
Cash and Cash Equivalent	936,291	625,150	558,220	0	+49.77%
Total Assets	26,795,616	21,486,446	17,921,925	0	+24.71%
Equity
Share Capital	5,000,000	5,000,000	5,000,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	523,817	523,817	523,817	0	0.00%
Catastrophe Reserves	321,228	255,359	177,407	0	+25.79%
Retained Earnings	713,355	655,417	1,022,229	0	+8.84%
Other Equity	224,698	494,451	556,003	0	-54.56%
Total Equity	6,783,099	6,929,043	7,279,456	0	-2.11%
Liabilities
Insurance & Contract Liabilities
Provisions	56,509	42,882	23,281	0	+31.78%
Gross Insurance Contract Liabilities	18,932,052	13,836,975	9,991,237	0	+36.82%
Other Financial Liabilities	650,191	464,186	237,464	0	+40.07%
Other Liabilities	311,807	202,712	287,242	0	+53.82%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	20,012,517	14,557,403	10,642,469	0	+37.47%
Total Equity and Liabilities	26,795,616	21,486,446	17,921,925	0	+24.71%

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)	PEG	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%
HLI	303	-0.3	-0.1%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	-	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
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	3.86	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	18.08	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	6.46	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	30.91	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	574.09	11.44	1.11%	0.03	0.316	117.99	114.5	9.02	7.91	6.3	6.3	125.05	6.39	98.77	6.72	3.06	5.175	369.94	14.828	349.296	4.238	94.66	0.98	0.98%	5.35	5.35%
MED	442	1.03	0.14%	0.02	0.31	116.29	113.66	9.39	4.83	7.38	7.38	138.15	6.41	99.28	6.04	2.79	3.78	61.17	12.27	60.99	1.95	97.07	0.69	0.69%	6.35	6.35%
MAX	1,192	147.12	14.08%	0.07	0.48	162.36	141.93	10.44	23.7	11.21	11.21	174.83	7.62	131.75	14.72	7.42	12.17	3,455	30.91	3,250	18.84	99.51	2.39	2.39%	9.31	9.31%
MIN	303	-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	2.76	39.25	3.86	39.6	0.96	75.47	0.17	0.17%	0.33	0.33%