IME Life Insurance Company Limited

Life InsuranceLow Cap

NPR 434.90

NPR -1.1-0.25%

09:14 AM NPT · May 14, 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.

imelifeinsurance.com/facebook linkedin

Trading

Open

432.00

High

436.00

Low

431.50

Prev Close

436.00

Volume

3,681

Turnover

Rs 1,595,771.6

Txns

167

Valuation · Q2 FY25/26

EPS Ann.

10.83

EPS TTM

11.72

BVPS

114.48

P/E Ann.

40.16

P/E TTM

37.11

Graham #

167.02

Capital

Mkt Cap

21.75 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

47.35

ADX

44.14

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

436.64

SMA 50

447.04

Bands & Channels

BB Width %

3.29%

Volume & Flow

OBV

-1,057,556

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

42,939

Shares Bought

Total Sell

42,939

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

15,089

Amount

6,635,234

Avg Rate

439.74

Rank

#10

Brokers

#33#13#69

Distributors

Quantity

22,970

Amount

10,065,452

Avg Rate

438.20

Rank

Brokers

#38#47#45#58#81

Net Flow Impact:

-7,881units

(Rs. -3,430,218)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 60,044 ]

Buy Side

Total: 25,964

Broker

QTY

AVG

NET

9,160

439.19

+8,736

21.3%

3,338

441.22

+3,190

7.8%

2,591

439.78

+2,591

6.0%

2,039

435.41

+1,729

4.8%

1,776

435.78

+1,636

4.1%

1,543

436.67

+326

3.6%

874

435.09

+546

2.0%

776

435.71

+646

1.8%

609

435.34

+187

1.4%

582

438.79

+318

1.4%

558

435.21

+364

1.3%

548

438.86

+491

1.3%

536

441.83

+500

1.3%

522

441.09

+25

1.2%

512

435.35

+157

1.2%

Sell Side

Total: 34,080

Broker

QTY

AVG

NET

8,855

436.49

-8,269

20.6%

5,026

442.69

-5,002

11.7%

4,551

437.15

-2,876

10.6%

3,526

437.82

-1,914

8.2%

2,992

440.58

-25

7.0%

1,866

436.53

-48

4.3%

1,279

437.06

-481

3.0%

1,197

439.52

-40

2.8%

1,012

436.97

-1,012

2.4%

785

438.92

-15

1.8%

719

436.91

-438

1.7%

692

436.77

-646

1.6%

604

437.63

-604

1.4%

500

441.80

-500

1.2%

476

438.71

-28

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	6,738,346	7,345,916	8,542,386	0	-8.27%
Property and Equipment	183,149,895	192,211,463	186,240,562	0	-4.71%
Investment Properties	0.00	0.00	0.00	93367000.00	-
Deferred Tax Assets	292,462,630	534,943,831	545,669,347	0	-45.33%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	19,656,317,304	16,707,798,109	13,476,802,567	7,345,930,000	+17.65%
Loans	1,169,842,903	862,406,544	649,451,229	493,507,000	+35.65%
Reinsurance Assets	17,998,689	0	0	0	-
Current Tax Assets	517,188,911	387,949,639	273,425,916	0	+33.31%
Insurance Receivables	0.00	0.00	0.00	0	-
Insurance Payable	35,232,948	43,996,823	67,085,861	0	-19.92%
Other Financial Assets	153,956,178	214,033,878	235,136,554	0	-28.07%
Other Assets	18,937,871	22,663,809	27,274,616	2,067,462,000	-16.44%
Cash and Cash Equivalent	1,021,926,860	913,966,129	529,653,106	106,211,000	+11.81%
Total Assets	23,038,519,587	19,843,319,317	15,932,196,283	10,106,477,000	+16.10%
Equity
Share Capital	5,000,000,000	5,000,000,000	4,000,000,000	2,800,000,000	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	523,816,613	523,816,613	1,533,406,269	0	0.00%
Catastrophe Reserves	289,869,832	217,510,964	153,522,969	115,754,000	+33.27%
Retained Earnings	434,287,355	1,382,553,631	850,272,566	1,042,279,000	-68.59%
Other Equity	210,099,307	487,736,230	553,685,326	5,479,407,000	-56.92%
Total Equity	6,458,073,107	7,611,617,438	7,090,887,130	9,437,440,000	-15.16%
Liabilities
Insurance & Contract Liabilities
Provisions	52,345,088	42,460,136	17,567,497	317,101,000	+23.28%
Gross Insurance Contract Liabilities	15,931,257,545	11,618,169,055	7,998,983,176	0	+37.12%
Other Financial Liabilities	367,113,281	293,749,944	593,731,493	0	+24.97%
Other Liabilities	194,497,618	233,325,921	163,941,127	351,937,000	-16.64%
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	0.00	-
Total Liabilities	16,580,446,480	12,231,701,879	8,841,309,154	669,038,000	+35.55%
Total Equity and Liabilities	23,038,519,587	19,843,319,317	15,932,196,283	10,106,478,000	+16.10%

Sector Peers — Life Insurance (21)

Peer Comparison

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)%
ALICL	454.2	-1.69	-0.37%	-	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CLI	452.8	-2.18	-0.48%	-	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
CREST	1,208	+101.98	+9.22%	-	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,279.9	-10.06	-0.78%	-	0	104.21	-	3.53	8.25	139.08	-	0%	-	4,876.37%	32.74	483.31	0	490.08	209.7	85,305	2.74%	6.42%	4.02%	9.4%
HLI	336.9	-2.99	-0.88%	-	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	813.9	+1.87	+0.23%	-	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLIC	763.4	+1.22	+0.16%	-	0.28	123.29	-	7.11	22.38	249.16	-	0%	-	5.54%	12.56	108.86	0	105.49	33.51	4.1	1.56%	0.83%	33.68%	17.99%
NLICL	587.7	+2.69	+0.46%	-	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	461.6	-3.39	-0.73%	-	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	458	-3	-0.65%	-	0.35	117.05	-	15.24	11.85	176.66	-	0%	-	10.57%	7.92	30.43	31.96	29.72	38.23	12.88	3.66%	2.85%	13.22%	10.29%
SJLIC	428	-2.19	-0.51%	-	0.31	117.82	-	8.06	7.1	137.19	-	0%	-	2.62%	7.44	54.4	18.25	53.66	60.92	5.71	0.8%	0.71%	6.94%	6.12%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	449	-0.99	-0.22%	-	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	391.4	+0.39	+0.1%	-	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	621.91	6.28	0.43%	-	0.264	117.8	-	8.24	8.82	149.16	-	0%	-	485.24%	11.633	121.825	4.327	123.262	93.974	7,013.078	1.68%	1.83%	9.55%	7.95%
MED	458	-1.69	-0.37%	-	0.28	115.6	-	8.17	8.25	143.48	-	0%	-	4.91%	8.47	57.09	0	56.45	60.92	9.53	1.56%	1.56%	8.56%	7.63%
MAX	1,279.9	101.98	9.22%	-	0.51	159.09	-	15.24	22.38	249.16	-	0%	-	4,876.37%	32.74	483.31	31.96	490.08	327.09	85,305	3.66%	6.42%	33.68%	17.99%
MIN	336.9	-10.06	-0.88%	-	0	104.21	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	30.43	0	29.72	33.51	4.1	0.3%	0.27%	3.5%	3.56%