Nepal Insurance Co. Ltd.

Non Life InsuranceLow Cap

NPR 516.50

NPR -2.5-0.48%

09:14 AM NPT · Jun 26, 2026

Est. 1947 · Kathmandu, Nepal · CEO: B.K. Maharjan

Nepal Insurance Company Limited (NICL) is the oldest general insurance company in Nepal, established in 1947 (B.S. 2004), and is recognized as a pioneer in the country’s non-life insurance sector. Operating under the regulatory supervision of the Nepal Insurance Authority, the company provides a comprehensive range of general insurance products designed to safeguard individuals, businesses, and institutions against financial risks. Headquartered in Kathmandu, Nepal Insurance Company offers diverse insurance solutions, including motor insurance, fire and property insurance, marine insurance, engineering and contractor coverage, aviation insurance, agriculture and livestock insurance, travel insurance, and miscellaneous liability coverage. With a nationwide network of branches and agents, the company ensures accessible and efficient service delivery across urban and rural regions. Built on decades of trust, strong governance, and financial stability, Nepal Insurance emphasizes customer-centric service, timely claim settlement, and transparent operations. The company continues to strengthen its portfolio through innovation, modern risk management practices, and compliance with national regulatory guidelines. As one of Nepal’s most experienced and respected insurers, Nepal Insurance Company Limited remains committed to protecting lives, assets, and businesses while contributing to the growth and resilience of Nepal’s insurance industry.

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Trading

Open

527.00

High

527.00

Low

515.00

Prev Close

519.00

Volume

18,181

Turnover

Rs 9,428,870.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.55

EPS TTM

9.57

BVPS

169.84

P/E Ann.

93.06

P/E TTM

53.97

Graham #

145.63

Capital

Mkt Cap

13.16 Arab

Total

2.55 Crore

Public

1.25 Crore

Promoter

1.3 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

22.93

ADX

41.43

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

538

SMA 50

510.65

Bands & Channels

BB Width %

9.85%

Volume & Flow

OBV

3,434,534

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

78,339

Shares Bought

Total Sell

78,339

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

30,771

Amount

16,106,156

Avg Rate

523.42

Rank

Brokers

#82#58#42

Distributors

Quantity

25,270

Amount

13,203,808

Avg Rate

522.51

Rank

Brokers

#54#51#65#50#13

Net Flow Impact:

+5,501units

(Rs. 2,902,348)

Net Flow by Timeframe

NICL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 106,358 ]

Buy Side

Total: 60,515

Broker

QTY

AVG

NET

13,278

521.46

+13,278

16.9%

9,246

521.74

+5,597

11.8%

8,247

528.46

+5,950

10.5%

5,458

530.29

+5,408

7.0%

4,013

525.65

+1,653

5.1%

3,760

529.40

+2,808

4.8%

2,870

528.15

+2,870

3.7%

2,800

522.58

+1,002

3.6%

2,223

525.94

+2,223

2.8%

2,028

534.64

+1,028

2.6%

1,500

536.00

+1,500

1.9%

1,400

526.01

+200

1.8%

100

1,395

518.15

+1,058

1.8%

1,177

523.40

+177

1.5%

1,120

524.98

+1,042

1.4%

Sell Side

Total: 45,843

Broker

QTY

AVG

NET

6,635

522.95

-4,635

8.5%

5,872

522.42

-5,477

7.5%

5,713

519.24

-4,864

7.3%

3,773

527.94

-3,753

4.8%

3,277

521.24

-3,256

4.2%

2,823

518.03

-2,823

3.6%

101

2,758

529.12

-2,758

3.5%

2,362

529.28

-1,694

3.0%

2,209

528.33

-1,806

2.8%

2,168

520.71

-2,168

2.8%

1,845

529.29

-1,523

2.4%

1,636

521.35

-421

2.1%

1,605

538.31

-1,585

2.0%

1,596

529.48

-66

2.0%

1,571

527.21

-721

2.0%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	3,341	3,583	1,850	0	-6.77%
Property and Equipment	253,169	228,194	139,267	0	+10.94%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	108,547	122,826	72,359	0	-11.63%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	5,180,811	4,630,126	4,355,740	0	+11.89%
Loans	11,350	12,795	15,650	0	-11.30%
Reinsurance Assets	1,211,522	1,647,947	879,338	0	-26.48%
Current Tax Assets	69,358	24,526	0	0	+182.79%
Insurance Receivables	221,276	139,741	136,619	0	+58.35%
Other Financial Assets	183,264	219,798	210,776	0	-16.62%
Other Assets	227,859	213,294	109,484	0	+6.83%
Cash and Cash Equivalent	62,786	76,007	53,571	0	-17.39%
Total Assets	7,533,283	7,318,838	5,974,653	0	+2.93%
Equity
Share Capital	2,548,575	1,890,878	1,644,242	0	+34.78%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	81,482	0	0	0	-
Catastrophe Reserves	117,458	104,393	94,894	0	+12.52%
Retained Earnings	45,805	87,104	274,558	0	-47.41%
Other Equity	1,616,784	1,527,410	1,444,621	0	+5.85%
Total Equity	4,410,104	3,609,785	3,458,315	0	+22.17%
Liabilities
Insurance & Contract Liabilities
Provisions	173,747	343,719	323,402	0	-49.45%
Gross Insurance Contract Liabilities	2,476,914	2,758,206	1,552,052	0	-10.20%
Insurance Payable	86,730	266,785	295,954	0	-67.49%
Other Financial Liabilities	217,490	108,534	134,158	0	+100.39%
Other Liabilities	168,298	231,809	180,971	0	-27.40%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	29800.38	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	3,123,179	3,709,053	2,516,338	0	-15.80%
Total Equity and Liabilities	7,533,283	7,318,838	5,974,653	0	+2.93%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	Combined Expense Ratio	Commission Income Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	First Policy	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	538	0	0%	0.01	0.24	205.28	82.75	25.3	1.3	5.9	12.42	77.34	239.51	2.53	82.49	25.56	5.71	3.4	88.64	45.49	24.47	9.01	48.55	1.39	2.92%	2.89	6.1%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	439.9	+1.01	+0.23%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	70.23	116.65	3.18	100.23	30.09	0.02	3.23	22,150	139.18	28.29	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NIL	620	+4	+0.65%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	64.86	247.83	2.16	73.58	27.74	9.73	3.9	81.12	52.66	36.01	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	594.9	-4.98	-0.83%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	67.77	100.71	4.03	103.55	37.92	2.66	5.05	360.98	237.87	36.01	17.12	26.17	0.47	0.74%	1.07	1.67%
NMIC	973	+5.8	+0.6%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	680.1	-7.91	-1.15%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	57.22	248.72	5.9	30.1	35.95	28.41	4.42	41.86	53.58	37.14	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,645	+216.43	+1.5%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	47.81	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	127.2	8.17	74.76	17.04	1.55	1.28%	2.24	1.87%
SALICO	612.5	+17.49	+2.94%	0.02	0.18	233.64	89.86	23.94	1.43	6.77	10.85	-	238.82	3.1	85.75	28.05	6.4	3.46	89.66	59.45	-	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	473	+1.7	+0.36%	0.01	0.13	153.04	71.52	51.92	1.7	3.19	7.82	56.24	164.1	2.36	80.18	43.26	5.67	4.3	154.83	64.07	40.71	15.65	27.09	0.75	1.85%	2.12	5.2%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	618	+2.89	+0.47%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	70.21	151.21	3.23	86.99	33.51	3.62	4.46	209.24	122.5	31.25	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	705	+8.02	+1.15%	0.02	0.13	250.04	106.28	24.95	2.04	1.91	10.68	59.15	245.12	3.1	98.24	32.99	2.08	4.02	394.76	69.35	36.57	14.68	48.17	0.27	1.55%	0.73	4.15%
UAIL	456	-4	-0.87%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	87.54	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	362.12	22.41	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,779.62	20.04	0.42%	0.02	0.16	717.31	87.75	38.23	1.27	16	17	68.78	509.8	3.12	84.4	41.59	10.3	4.908	1,985.48	136.118	27.56	27.784	40.01	1.25	1.74%	2.51	3.74%
MED	615.25	2.29	0.42%	0.02	0.17	197.44	88.04	30.59	1.25	3.87	9.25	67.77	201.46	3.1	85.85	33.25	5.69	3.96	131.23	95.925	31.25	14.365	43.34	1.12	1.68%	2.24	3.85%
MAX	14,645	216.43	2.94%	0.04	0.24	6,524.1	114.99	105.37	2.04	144.49	120.36	98.24	4,203.32	5.9	119.43	92.28	39.07	15.9	22,150	362.12	40.71	120.42	57.72	3.88	3.07%	8.12	6.42%
MIN	439.9	-7.91	-1.15%	0.01	0.04	100.17	36.47	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	30.1	25.56	-5.52	3.18	-116.1	45.49	2.1	9.01	17.04	-1.2	0.39%	-2.32	0.76%