Nepal Insurance Co. Ltd.

Non Life InsuranceLow Cap

NPR 500.20

NPR -6.7-1.32%

09:14 AM NPT · Aug 11, 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

509.90

High

509.90

Low

497.00

Prev Close

506.90

Volume

14,229

Turnover

Rs 7,154,584.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

5.55

EPS TTM

9.57

BVPS

169.84

P/E Ann.

90.13

P/E TTM

52.27

Graham #

145.63

Capital

Mkt Cap

12.75 Arab

Total

2.55 Crore

Public

1.25 Crore

Promoter

1.3 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

27.93

ADX

26.65

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

511.48

SMA 50

521.08

Bands & Channels

BB Width %

7.34%

Volume & Flow

OBV

3,346,594

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

74,623

Shares Bought

Total Sell

74,623

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

47,512

Amount

23,955,760

Avg Rate

504.20

Rank

Brokers

#14#49#67#40

Distributors

Quantity

30,716

Amount

15,424,411

Avg Rate

502.16

Rank

Brokers

#44#16#58#34

Net Flow Impact:

+16,796units

(Rs. 8,531,349)

Net Flow by Timeframe

NICL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 110,436 ]

Buy Side

Total: 59,227

Broker

QTY

AVG

NET

35,109

503.61

+19,931

47.0%

5,690

505.56

+3,906

7.6%

4,429

508.69

+4,314

5.9%

3,156

498.16

+1,817

4.2%

2,284

501.22

+2,226

3.1%

100

2,072

498.60

+2,072

2.8%

2,062

499.33

+1,467

2.8%

998

498.34

+967

1.3%

816

507.98

+456

1.1%

605

498.11

+194

0.8%

511

502.54

+476

0.7%

489

500.12

+473

0.7%

406

498.64

+144

0.5%

340

500.29

+340

0.5%

260

500.00

+259

0.3%

Sell Side

Total: 51,209

Broker

QTY

AVG

NET

15,791

500.01

-15,771

21.2%

8,399

503.89

-15

11.3%

6,366

506.72

-6,366

8.5%

5,911

504.83

-4,762

7.9%

2,648

498.06

-2,388

3.5%

2,021

500.99

-1,761

2.7%

1,514

502.01

-1,341

2.0%

1,295

499.23

-1,276

1.7%

1,248

499.68

-593

1.7%

1,168

500.07

-393

1.6%

1,107

501.66

-1,011

1.5%

1,100

498.20

-697

1.5%

1,010

502.89

-920

1.4%

1,000

504.90

-1,000

1.3%

631

500.40

-105

0.8%

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	534.7	+3.72	+0.7%	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	427.2	-0.81	-0.19%	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	606	-6	-0.98%	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	566	-1.99	-0.35%	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	906	+7.99	+0.89%	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	669.3	+1.27	+0.19%	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	14,108.1	-311.46	-2.16%	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	595	+6.01	+1.02%	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	453	+2.61	+0.58%	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	611.4	+1.22	+0.2%	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	683.1	-2.4	-0.35%	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	434	+1.99	+0.46%	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	1,716.15	-24.82	0%	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	600.5	1.24	0.2%	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	14,108.1	7.99	1.02%	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	427.2	-311.46	-2.16%	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%