IME Life Insurance Company Limited

Life InsuranceMid Cap

NPR 409.10

NPR +4.1+1.01%

09:14 AM NPT · Sep 11, 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

402.50

High

414.00

Low

401.50

Prev Close

405.00

Volume

5,168

Turnover

Rs 2,110,816.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

11.68

EPS TTM

11.68

BVPS

120.69

P/E Ann.

35.03

P/E TTM

35.03

Graham #

178.09

Capital

Mkt Cap

20.45 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

Weak

Momentum

RSI (14)

44.69

ADX

12.71

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

408.84

SMA 50

413.91

Bands & Channels

BB Width %

5.78%

Volume & Flow

OBV

-1,180,646

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

29,490

Shares Bought

Total Sell

29,490

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

Quantity

7,181

Amount

2,912,382

Avg Rate

405.57

Rank

#12

Brokers

#6#5#58

Distributors

Quantity

12,218

Amount

4,954,096

Avg Rate

405.48

Rank

#12

Brokers

#57#45#44#79#7

Net Flow Impact:

-5,037units

(Rs. -2,041,713)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,264 ]

Buy Side

Total: 20,463

Broker

QTY

AVG

NET

3,007

405.96

+1,654

10.2%

2,471

404.83

+2,271

8.4%

2,232

404.14

+1,620

7.6%

1,801

404.84

+165

6.1%

1,703

405.95

+1,703

5.8%

1,448

407.30

+1,410

4.9%

1,320

408.64

+1,188

4.5%

1,270

412.31

+1,220

4.3%

1,222

406.59

+1,175

4.1%

925

405.40

+867

3.1%

833

405.21

+643

2.8%

685

405.38

+555

2.3%

551

403.71

+447

1.9%

501

405.42

+24

1.7%

494

406.08

+448

1.7%

Sell Side

Total: 20,801

Broker

QTY

AVG

NET

4,148

405.24

-2,791

14.1%

3,579

405.65

-3,419

12.1%

2,204

405.07

-1,684

7.5%

1,710

405.64

-49

5.8%

1,233

405.78

-1,233

4.2%

1,110

403.44

-376

3.8%

1,076

406.38

-501

3.6%

1,054

406.27

-996

3.6%

927

408.65

-451

3.1%

905

405.03

-674

3.1%

672

404.73

-672

2.3%

657

405.44

-657

2.2%

606

408.54

-485

2.0%

536

407.94

-186

1.8%

384

407.21

-296

1.3%

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	399.2	+1.19	+0.3%	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	-	52.62	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	415	+3.99	+0.97%	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	-	54.99	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,075	+5.03	+0.47%	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	-	3,352.94	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	991.9	+47.86	+5.07%	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	-	478.97	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	294	+3.69	+1.27%	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	-	90.23	1.2	98.04	0.32	0.32%	3.03	3.03%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	754.9	-0.08	-0.01%	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	3.65	104.34	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	698.5	-0.49	-0.07%	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	-	146.03	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	558	0	0%	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	-	86.33	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	405.6	+7.6	+1.91%	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	-	59.7	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	429.9	+17.88	+4.34%	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	17.38	38.07	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	406	+4.02	+1%	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	6.25	53.62	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	391.9	+10.9	+2.86%	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	-	50.63	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	357	+1.99	+0.56%	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	30.3	48.17	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	552.07	7.97	1.44%	0.02	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	14.395	355.126	4.238	94.66	0.98	0.98%	5.35	5.35%
MED	415	3.99	0.97%	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	11.815	59.7	1.95	97.07	0.69	0.69%	6.35	6.35%
MAX	1,075	47.86	5.07%	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	30.3	3,352.94	18.84	99.51	2.39	2.39%	9.31	9.31%
MIN	294	-0.49	-0.07%	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	3.65	38.07	0.96	75.47	0.17	0.17%	0.33	0.33%