IME Life Insurance Company Limited

Life InsuranceMid Cap

NPR 428.00

NPR +1+0.23%

09:14 AM NPT · Sep 24, 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

425.00

High

429.80

Low

420.20

Prev Close

427.00

Volume

9,122

Turnover

Rs 3,871,610

Txns

162

Valuation · Q4 FY25/26

EPS Ann.

11.68

EPS TTM

11.68

BVPS

120.69

P/E Ann.

36.64

P/E TTM

36.64

Graham #

178.09

Capital

Mkt Cap

21.4 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

71.08

ADX

27.43

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

413.14

SMA 50

414.92

Bands & Channels

BB Width %

10.95%

Volume & Flow

OBV

-1,127,848

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

54,783

Shares Bought

Total Sell

54,783

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

17,241

Amount

7,428,008

Avg Rate

430.83

Rank

#11

Brokers

#45#50#17

Distributors

Quantity

16,543

Amount

7,077,933

Avg Rate

427.85

Rank

#11

Brokers

#35#42#49#38#57

Net Flow Impact:

+698units

(Rs. 350,074)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 72,098 ]

Buy Side

Total: 40,031

Broker

QTY

AVG

NET

9,087

432.44

+6,283

16.6%

4,718

427.15

+3,646

8.6%

4,250

427.91

+494

7.8%

3,436

431.64

+3,235

6.3%

3,024

427.32

+2,872

5.5%

2,250

424.81

+2,076

4.1%

2,202

426.52

+878

4.0%

1,653

431.40

+819

3.0%

1,597

435.73

+1,372

2.9%

1,550

431.88

+1,404

2.8%

1,529

428.74

+1,519

2.8%

1,320

428.69

+752

2.4%

1,238

430.01

+804

2.3%

1,177

427.44

+961

2.1%

1,000

433.20

+1,000

1.8%

Sell Side

Total: 32,067

Broker

QTY

AVG

NET

4,666

425.62

-3,209

8.5%

3,879

428.44

-3,879

7.1%

3,029

427.45

-1,919

5.5%

2,999

429.65

-2,433

5.5%

2,098

427.18

-110

3.8%

1,970

429.85

-1,960

3.6%

1,757

430.41

-1,564

3.2%

1,707

429.96

-1,199

3.1%

1,649

431.96

-911

3.0%

1,601

425.51

-1,522

2.9%

1,555

430.36

-984

2.8%

1,397

433.07

-798

2.5%

1,378

427.70

-1,320

2.5%

1,245

430.70

-627

2.3%

1,137

426.07

-1,133

2.1%

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	432.8	+5.81	+1.36%	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	440	+4.01	+0.92%	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	1,099	+4.05	+0.37%	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	990	-10	-1%	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	309.2	+2.3	+0.75%	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	800.9	+9.03	+1.14%	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	745	+1.64	+0.22%	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	581.4	+9.38	+1.64%	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	423	+2.98	+0.71%	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	438.1	+0.09	+0.02%	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	415	0	0%	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	421	+4	+0.96%	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	373.8	+5.81	+1.58%	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	574.55	3.01	0.67%	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	438.1	4	0.75%	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	1,099	9.38	1.64%	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	309.2	-10	-1%	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%