Nepal Life Insurance Co. Ltd.

Life InsuranceHigh Cap

NPR 745.00

NPR +1.6+0.22%

09:14 AM NPT · Sep 24, 2026

Est. April 5, 2001 · Heritage Plaza-1, 2nd Floor, Kamaladi 11030, Kathmandu, Nepal · CEO: Mr. Pravin Raman Parajuli

Nepal Life Insurance Company Limited (NLIC) is Nepal’s leading and largest life insurance company, established to provide comprehensive life-insurance solutions that promote financial security, long-term savings, and economic stability for individuals and families across the country. Licensed by the Nepal Insurance Authority, NLIC has maintained a dominant presence in the life-insurance market through strong governance, innovative products, and a robust nationwide distribution network. Headquartered in Kathmandu, the company offers a wide portfolio of life-insurance products including endowment plans, term assurance, whole life policies, money-back plans, pension and retirement schemes, child education plans, micro-insurance, and unit-linked investment products. Through its extensive network of branches, agents, and digital platforms, NLIC ensures accessible service delivery to millions of policyholders nationwide. Known for its strong claim-settlement capability, high customer trust, and consistent financial performance, Nepal Life Insurance continues to strengthen Nepal’s life-insurance sector through digital transformation, modern actuarial practices, and customer-centric service excellence. As one of the country’s most respected financial institutions, NLIC remains committed to enhancing financial literacy, supporting national economic growth, and providing reliable long-term protection for the Nepali public.

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Trading

Open

706.30

High

745.00

Low

706.30

Prev Close

743.40

Volume

8,449

Turnover

Rs 6,253,629.6

Txns

123

Valuation · Q4 FY25/26

EPS Ann.

4.91

EPS TTM

4.91

BVPS

124.71

P/E Ann.

151.73

P/E TTM

151.73

Graham #

117.38

Capital

Mkt Cap

67.26 Arab

Total

9.03 Crore

Public

4.42 Crore

Promoter

4.6 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Strong Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

78.07

ADX

53.46

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

712.68

SMA 50

732.74

Bands & Channels

BB Width %

11.53%

Volume & Flow

OBV

-3,445,525

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

133,996

Shares Bought

Total Sell

133,996

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

44,942

Amount

33,448,710

Avg Rate

744.26

Rank

Brokers

#34#45#94

Distributors

Quantity

44,185

Amount

32,446,966

Avg Rate

734.34

Rank

Brokers

#64#82#38#28#74

Net Flow Impact:

+757units

(Rs. 1,001,744)

Net Flow by Timeframe

NLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 175,294 ]

Buy Side

Total: 104,061

Broker

QTY

AVG

NET

26,577

748.08

+24,385

19.8%

11,356

743.58

+6,837

8.5%

10,577

733.53

+3,301

7.9%

7,769

743.60

+6,460

5.8%

7,009

730.88

+6,509

5.2%

6,375

743.87

+6,214

4.8%

5,817

742.50

+5,117

4.3%

5,706

736.37

+2,381

4.3%

5,414

735.72

+1,955

4.0%

3,637

743.59

+2,957

2.7%

3,125

740.40

+1,010

2.3%

3,000

738.00

+1,342

2.2%

2,612

739.37

+1,612

1.9%

2,547

739.93

+845

1.9%

2,540

741.29

+1,432

1.9%

Sell Side

Total: 71,233

Broker

QTY

AVG

NET

13,236

730.55

-13,236

9.9%

9,695

738.09

-9,695

7.2%

9,238

731.71

-9,061

6.9%

7,241

740.66

-6,959

5.4%

4,775

732.76

-4,225

3.6%

3,981

744.72

-493

3.0%

3,460

741.22

-3,062

2.6%

2,968

746.66

-2,535

2.2%

2,932

743.94

-1,096

2.2%

2,744

739.64

-1,702

2.0%

2,523

739.66

-2,523

1.9%

2,293

745.30

-2,199

1.7%

2,101

741.83

-1,531

1.6%

2,058

743.35

-1,976

1.5%

1,988

745.24

-1,221

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	7,427	9,719	11,655	0	-23.59%
Property and Equipment	1,189,061	812,306	230,064	0	+46.38%
Investment Properties	404,604	409,141	413,677	0	-1.11%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Investment in Subsidiaries	2,029,500	2,029,500	153,000	0	0.00%
Investment in Associates	1,519,140	1,399,043	0	0	+8.58%
Investments	241,937,168	189,575,282	164,157,722	0	+27.62%
Loans	34,676,395	34,999,759	33,916,485	0	-0.92%
Reinsurance Assets	0.00	0.00	0.00	0	-
Current Tax Assets	340,567	1,049,563	338,382	0	-67.55%
Insurance Receivables	96,580	441,934	182,331	0	-78.15%
Insurance Payable	165,517	680,590	565,929	0	-75.68%
Other Financial Assets	5,608,890	9,442,637	5,985,132	0	-40.60%
Other Assets	313,489	445,350	200,460	0	-29.61%
Cash and Cash Equivalent	3,975,783	11,604,014	7,605,922	0	-65.74%
Total Assets	292,098,602	252,218,247	213,194,830	0	+15.81%
Equity
Share Capital	9,480,201	9,028,763	8,207,967	0	+5.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	1,543,629	1,322,364	1,099,030	0	+16.73%
Retained Earnings	799,090	1,241,288	528,408	0	-35.62%
Other Equity	129,025	754,492	761,598	0	-82.90%
Total Equity	11,951,944	12,346,908	10,597,002	0	-3.20%
Liabilities
Insurance & Contract Liabilities
Provisions	253,412	268,224	288,012	0	-5.52%
Gross Insurance Contract Liabilities	276,134,694	235,678,856	198,337,488	0	+17.17%
Other Financial Liabilities	2,266,477	1,837,010	1,529,435	0	+23.38%
Other Liabilities	1,305,779	1,143,544	1,710,420	0	+14.19%
Taxes & Funding
Deferred Tax Liabilities	20,779	263,116	166,544	0	-92.10%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	280,146,658	239,871,339	202,597,828	0	+16.79%
Total Equity and Liabilities	292,098,602	252,218,247	213,194,830	0	+15.81%

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)	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	432.8	+5.81	+1.36%	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	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	440	+4.01	+0.92%	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	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,099	+4.05	+0.37%	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	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	990	-10	-1%	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	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	309.2	+2.3	+0.75%	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	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	428	+0.98	+0.23%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	800.9	+9.03	+1.14%	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	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLICL	581.4	+9.38	+1.64%	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	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	423	+2.98	+0.71%	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	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	438.1	+0.09	+0.02%	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	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	415	0	0%	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	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	421	+4	+0.96%	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	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	373.8	+5.81	+1.58%	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	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	550.17	2.96	0.67%	0.02	0.324	117.68	112.72	9.11	6.34	6.82	6.82	129.72	6.32	96.54	7.07	3.51	4.972	360.88	340.613	4.337	94.47	1.15	1.15%	5.8	5.8%
MED	432.8	4	0.75%	0.02	0.32	116.29	109.38	9.39	4.79	7.59	7.59	140.98	6.13	91.89	6.86	2.89	3.77	55.64	56.25	1.98	96.45	1.25	1.25%	6.46	6.46%
MAX	1,099	9.38	1.64%	0.04	0.48	162.36	141.93	10.44	16.74	11.68	11.68	178.09	7.62	131.75	14.72	7.42	12.17	3,455	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	309.2	-10	-1%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.97	0.54	2.76	34.93	36.81	1.04	75.47	0.22	0.22%	0.33	0.33%