Neco Insurance Limited

Non Life InsuranceMid Cap

NPR 615.90

NPR +0.8+0.13%

09:14 AM NPT · Aug 7, 2026

Est. December 16, 1994 · Gyaneshwor, Kathmandu, Nepal · CEO: Mr. Ashok Kumar Khadka

Neco Insurance Limited is one of Nepal’s leading non-life insurance companies, established to provide comprehensive general insurance solutions across the country. Licensed by the Nepal Insurance Authority, the company offers a wide range of insurance products designed to protect individuals, businesses, and institutions against financial risks. Headquartered in Kathmandu, Neco Insurance delivers diversified coverage including motor, fire and property, marine, engineering, aviation, agriculture and livestock, medical, travel, and miscellaneous liability insurance. With a robust nationwide presence through branch offices and authorized agents, the company ensures easy access to insurance services in both urban and rural areas. The organization is known for its strong underwriting practices, reliable risk management, and prompt claim settlement. Backed by modern digital services, customer-centric operations, and professional governance, Neco Insurance Limited continues to strengthen its position as a trusted insurer in Nepal’s non-life insurance sector.

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Trading

Open

615.00

High

618.00

Low

600.00

Prev Close

615.10

Volume

8,458

Turnover

Rs 5,182,439.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

7.89

EPS TTM

12.46

BVPS

219.08

P/E Ann.

78.06

P/E TTM

49.43

Graham #

197.21

Capital

Mkt Cap

16.58 Arab

Total

2.69 Crore

Public

1.08 Crore

Promoter

1.61 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

21.57

ADX

27.65

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

621.29

SMA 50

630.26

Bands & Channels

BB Width %

5.69%

Volume & Flow

OBV

3,475,298

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

38,598

Shares Bought

Total Sell

38,598

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

17,227

Amount

10,669,443

Avg Rate

619.34

Rank

Brokers

#100#56#74

Distributors

Quantity

24,639

Amount

15,225,178

Avg Rate

617.93

Rank

Brokers

#17#45#14

Net Flow Impact:

-7,412units

(Rs. -4,555,735)

Net Flow by Timeframe

NIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 65,071 ]

Buy Side

Total: 32,411

Broker

QTY

AVG

NET

100

7,197

617.26

+7,197

18.6%

5,030

619.36

+5,030

13.0%

5,000

622.33

+5,000

12.9%

4,664

616.12

+4,664

12.1%

3,655

616.73

+1,572

9.5%

3,078

618.05

+3,078

8.0%

919

622.02

+412

2.4%

797

614.86

+797

2.1%

455

619.02

+24

1.2%

389

617.44

+277

1.0%

310

618.25

+130

0.8%

302

610.84

+302

0.8%

233

610.88

+233

0.6%

199

613.04

+199

0.5%

183

618.32

+159

0.5%

Sell Side

Total: 32,660

Broker

QTY

AVG

NET

20,490

617.80

-19,579

53.1%

3,029

618.02

-2,907

7.8%

1,120

620.13

-1,102

2.9%

1,095

617.81

-595

2.8%

996

618.92

-240

2.6%

988

619.82

-520

2.6%

905

608.79

-105

2.3%

656

616.71

-112

1.7%

523

622.59

-513

1.4%

521

614.22

-121

1.4%

517

616.97

-517

1.3%

515

615.20

-515

1.3%

464

620.51

-454

1.2%

445

617.90

-445

1.1%

396

613.60

-340

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	3,073	3,452	3,669	0	-10.99%
Property and Equipment	695,717	644,786	619,981	0	+7.90%
Investment Properties	58,915	64,565	67,963	0	-8.75%
Deferred Tax Assets	7,430	0	0	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	6,657,842	7,025,917	6,103,759	0	-5.24%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	2,915,057	2,089,836	1,830,547	0	+39.49%
Current Tax Assets	108,952	69,524	50,365	0	+56.71%
Insurance Receivables	221,044	72,373	258,462	0	+205.42%
Other Financial Assets	234,667	197,517	245,387	0	+18.81%
Other Assets	261,920	129,630	78,839	0	+102.05%
Cash and Cash Equivalent	1,163,063	245,218	315,834	0	+374.30%
Total Assets	12,327,679	10,542,818	9,574,806	0	+16.93%
Equity
Share Capital	2,772,278	2,012,361	2,012,361	0	+37.76%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	111,781	0	0	0	-
Catastrophe Reserves	170,267	156,755	130,178	0	+8.62%
Retained Earnings	370,002	676,108	432,234	0	-45.27%
Other Equity	2,760,834	2,535,848	2,275,460	0	+8.87%
Total Equity	6,185,162	5,381,071	4,850,232	0	+14.94%
Liabilities
Insurance & Contract Liabilities
Provisions	42,146	30,549	81,651	0	+37.96%
Gross Insurance Contract Liabilities	5,136,734	4,006,020	3,621,890	0	+28.23%
Insurance Payable	490,871	500,578	561,743	0	-1.94%
Other Financial Liabilities	148,968	207,806	162,684	0	-28.31%
Other Liabilities	323,798	412,902	274,872	0	-21.58%
Taxes & Funding
Deferred Tax Liabilities	0.00	3892.87	21733.00	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	6,142,517	5,161,747	4,724,574	0	+19.00%
Total Equity and Liabilities	12,327,679	10,542,818	9,574,806	0	+16.93%

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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	499	-1	-0.2%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	78.51	191.23	3.02	74.12	29.45	9.75	3.93	90.29	58.83	22.45	15.68	52.66	1.89	3.28%	3.56	6.14%
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	1,716.65	-8.7	-0.25%	0.02	0.159	713.2	88.14	38.03	1.24	15.81	16.76	70.02	505.08	3.19	84.44	41.73	10.3	4.91	1,986.25	136.632	26.32	27.92	39.58	1.25	1.76%	2.48	3.75%
MED	579.5	-2	-0.27%	0.01	0.17	186.16	88.04	30.59	1.25	3.87	8.7	70.21	177.67	3.1	85.85	33.25	5.69	3.975	131.23	95.925	28.29	15.165	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	52.66	3.88	3.28%	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	2.18	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%