Nepal Insurance Co. Ltd.

Non Life InsuranceLow Cap

NPR 499.00

NPR -1-0.20%

09:14 AM NPT · Aug 7, 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

513.40

High

513.40

Low

495.00

Prev Close

500.00

Volume

10,404

Turnover

Rs 5,241,963.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.55

EPS TTM

9.57

BVPS

169.84

P/E Ann.

89.91

P/E TTM

52.14

Graham #

145.63

Capital

Mkt Cap

12.72 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

9.76

ADX

32.36

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

511.52

SMA 50

523.42

Bands & Channels

BB Width %

7.27%

Volume & Flow

OBV

3,335,855

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

58,189

Shares Bought

Total Sell

58,189

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

32,483

Amount

16,308,091

Avg Rate

502.05

Rank

Brokers

#14#67#38#45

Distributors

Quantity

30,704

Amount

15,378,646

Avg Rate

500.87

Rank

Brokers

#44#49#39

Net Flow Impact:

+1,779units

(Rs. 929,445)

Net Flow by Timeframe

NICL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 98,583 ]

Buy Side

Total: 48,289

Broker

QTY

AVG

NET

15,011

500.04

+13,983

25.8%

8,365

506.31

+8,365

14.4%

5,426

500.15

+4,001

9.3%

3,681

503.36

+3,092

6.3%

2,284

501.22

+2,262

3.9%

2,040

501.94

+1,800

3.5%

100

2,000

501.10

+2,000

3.4%

1,636

503.98

+1,005

2.8%

1,524

500.02

+493

2.6%

1,500

500.50

+1,350

2.6%

1,289

501.00

+1,289

2.2%

1,048

498.85

+1,017

1.8%

1,017

500.64

+311

1.8%

884

508.22

+424

1.5%

584

500.48

+564

1.0%

Sell Side

Total: 50,294

Broker

QTY

AVG

NET

15,791

500.01

-15,741

27.1%

9,067

500.49

-8,138

15.6%

6,090

504.90

-4,278

10.5%

5,846

503.77

-5,746

10.1%

3,680

500.44

-3,420

6.3%

2,856

507.23

-2,545

4.9%

1,921

505.75

-1,921

3.3%

1,295

499.23

-1,276

2.2%

1,211

501.59

-138

2.1%

496

501.91

-486

0.8%

493

509.85

-446

0.8%

466

497.27

-156

0.8%

400

503.86

-60

0.7%

375

501.05

-191

0.6%

307

500.90

-307

0.5%

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	534	-3.01	-0.56%	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	430	+0.99	+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	615.9	+0.8	+0.13%	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	570	+3.01	+0.53%	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	910	-3.01	-0.33%	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	666	-4.49	-0.67%	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	14,210	-90.09	-0.63%	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	589	+2.99	+0.51%	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	452	-4.29	-0.94%	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	609.1	-7.77	-1.26%	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	690	+3.02	+0.44%	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	440.7	-0.71	-0.16%	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	1,726.39	-8.55	-0.23%	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	599.05	-1.86	-0.25%	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	14,210	3.02	0.53%	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	430	-90.09	-1.26%	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%