IME Life Insurance Company Limited

Life InsuranceLow Cap

NPR 433.10

NPR -2.9-0.67%

06:45 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.

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Trading

Open

432.00

High

436.00

Low

431.50

Prev Close

436.00

Volume

800

Turnover

Rs 346,998.3

Txns

Valuation · Q2 FY25/26

EPS Ann.

10.83

EPS TTM

11.72

BVPS

114.48

P/E Ann.

39.99

P/E TTM

36.95

Graham #

167.02

Capital

Mkt Cap

21.66 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)

46.53

ADX

45.43

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

437.4

SMA 50

447.65

Bands & Channels

BB Width %

4.24%

Volume & Flow

OBV

-1,053,943

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

44,015

Shares Bought

Total Sell

44,015

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

17,154

Amount

7,533,516

Avg Rate

439.17

Rank

Brokers

#33#13#69#25

Distributors

Quantity

24,001

Amount

10,510,658

Avg Rate

437.93

Rank

Brokers

#38#47#58#45#81

Net Flow Impact:

-6,847units

(Rs. -2,977,142)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 62,462 ]

Buy Side

Total: 31,459

Broker

QTY

AVG

NET

8,460

439.67

+8,060

19.2%

3,538

440.59

+3,378

8.0%

3,117

437.98

+104

7.1%

2,591

439.78

+2,591

5.9%

2,574

437.93

+690

5.8%

2,565

434.95

+2,385

5.8%

1,735

435.92

+1,450

3.9%

1,628

436.14

+1,534

3.7%

1,511

436.66

+422

3.4%

890

436.03

+151

2.0%

626

435.34

+360

1.4%

572

438.88

+196

1.3%

558

435.21

+374

1.3%

558

438.75

+489

1.3%

536

441.83

+500

1.2%

Sell Side

Total: 31,003

Broker

QTY

AVG

NET

8,849

436.50

-8,213

20.1%

4,998

442.74

-4,986

11.4%

4,636

436.13

-3,018

10.5%

4,506

437.45

-2,808

10.2%

1,238

437.16

-626

2.8%

1,206

439.50

-133

2.7%

1,039

436.35

-878

2.4%

1,012

436.97

-1,012

2.3%

694

436.73

-646

1.6%

568

437.96

-346

1.3%

549

435.34

-409

1.3%

500

441.80

-500

1.1%

476

438.47

-42

1.1%

404

436.20

-211

0.9%

328

442.46

-118

0.8%

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	455	-0.91	-0.2%	-	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	452.4	-2.59	-0.57%	-	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	1,095	-10.95	-0.99%	-	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	1,292	+2.06	+0.16%	-	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	338	-1.9	-0.56%	-	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	810	-2.03	-0.25%	-	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	762	-0.23	-0.03%	-	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	590	+4.97	+0.85%	-	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	462	-3.02	-0.65%	-	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	461	0	0%	-	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	428.1	-2.11	-0.49%	-	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	448.1	-1.89	-0.42%	-	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	389.4	-1.6	-0.41%	-	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	614.08	-1.55	-0.27%	-	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	461	-1.89	-0.41%	-	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	1,292	4.97	0.85%	-	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	338	-10.95	-0.99%	-	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%