Nepal Micro Insurance Company Limited

Non Life InsuranceLow Cap

NPR 775.00

NPR -5-0.64%

09:12 AM NPT · Nov 6, 2026

Est. 2079-05-08 B.S. (incorporated under Company Act 2063 and licensed by Nepal Insurance Authority) · Bharatpur-1, Chitwan (Maharjan Complex, Bhrikuti Path) · CEO: Mrigendra Nath Rimal

Nepal Micro Insurance Company (NMIC) is a micro-insurance / non-life insurance company in Nepal that aims to make insurance accessible and affordable especially for people and communities who may have been underserved by traditional insurance providers. NMIC was established on Bhadra 8, 2079 B.S. under the Company Act 2063 and the (then-applicable) insurance law, and operates under a license issued by the Nepal Insurance Authority (NIA). Its core offering is micro-non-life insurance covering needs such as motor insurance (two-wheeler and private vehicles), property insurance, accidental/ theft/ burglary coverage, and other non-life risk-cover products tailored for individuals, families, and small clients. The company emphasizes transparent policies, affordability, and ease of claiming positioning itself as “insurance for everyone,” with a customer-first approach.NMIC claims to serve a wide client base, aiming to protect and support households and small clients, especially those who might otherwise find traditional insurance products out of reach. Their head-office is located in Bharatpur-1, Chitwan (Maharjan Complex, Bhrikuti Path) and they also maintain a provincial office in Gairidhara, Kathmandu.The company operates through multiple branches across provinces in Nepal including regions in Bagmati, Madhesh, and other provinces.

nepalmicro.com/facebook X linkedin

Trading

Open

770.10

High

779.90

Low

764.00

Prev Close

780.00

Volume

1,273

Turnover

Rs 984,640.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

5.68

EPS TTM

5.68

BVPS

106.36

P/E Ann.

136.44

P/E TTM

136.44

Graham #

116.59

Capital

Mkt Cap

5.97 Arab

Total

77.08 Lakh

Public

23.13 Lakh

Promoter

53.96 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

39.12

ADX

19.1

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

785.8

SMA 50

810.79

Bands & Channels

BB Width %

3.83%

Volume & Flow

OBV

-614,690

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

10,250

Shares Bought

Total Sell

10,250

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

3,094

Amount

2,444,434

Avg Rate

790.06

Rank

#12

Brokers

#39#21#70#34

Distributors

Quantity

4,567

Amount

3,600,031

Avg Rate

788.27

Rank

#12

Brokers

#42#60#59

Net Flow Impact:

-1,473units

(Rs. -1,155,597)

Net Flow by Timeframe

NMIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 14,901 ]

Buy Side

Total: 7,896

Broker

QTY

AVG

NET

1,258

783.75

+416

12.3%

1,005

782.31

+483

9.8%

829

794.94

+459

8.1%

700

788.22

+670

6.8%

560

799.02

+530

5.5%

498

785.33

+268

4.9%

453

787.54

+443

4.4%

444

783.17

+394

4.3%

408

777.57

+368

4.0%

400

789.35

+400

3.9%

320

779.11

+225

3.1%

317

794.75

+187

3.1%

280

784.97

+47

2.7%

224

788.64

+214

2.2%

200

787.00

+100

1.9%

Sell Side

Total: 7,005

Broker

QTY

AVG

NET

3,159

786.14

-3,089

30.8%

778

788.17

-778

7.6%

668

784.48

-268

6.5%

630

799.09

-630

6.2%

370

774.22

-320

3.6%

310

787.87

-290

3.0%

185

781.28

-155

1.8%

155

787.37

-155

1.5%

150

764.00

-100

1.5%

150

786.51

-140

1.5%

110

772.36

-110

1.1%

110

770.09

-110

1.1%

100

794.10

-50

1.0%

788.58

-62

0.9%

781.45

-40

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	13,257	12,492	11,440	0	+6.12%
Property and Equipment	31,166	32,306	35,068	0	-3.53%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	4,315	0	0	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	697,539	801,248	483,588	0	-12.94%
Loans	0.00	0.00	685.42	0	-
Reinsurance Assets	153,630	102,798	37,153	0	+49.45%
Current Tax Assets	40,395	26,473	9,430	0	+52.59%
Insurance Receivables	0.00	0.00	0.00	0	-
Other Financial Assets	166,278	5,421	723	0	+2967.20%
Other Assets	7,418	2,189	400	0	+238.93%
Cash and Cash Equivalent	74,160	27,893	57,249	0	+165.87%
Total Assets	1,188,157	1,010,819	635,736	0	+17.54%
Equity
Share Capital	750,000	750,000	525,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	2,374	4,751	362	0	-50.03%
Retained Earnings	20,660	-5,700	3,099	0	+462.45%
Other Equity	915.62	-93.24	3657.41	0	+1082.00%
Total Equity	797,688	748,957	532,118	0	+6.51%
Liabilities
Insurance & Contract Liabilities
Provisions	26,473	2,898	1,210	0	+813.52%
Gross Insurance Contract Liabilities	259,178	171,920	58,577	0	+50.76%
Insurance Payable	48,574	51,739	21,168	0	-6.12%
Other Financial Liabilities	8,975	1,677	950	0	+435.16%
Other Liabilities	47,268	31,370	21,625	0	+50.68%
Taxes & Funding
Deferred Tax Liabilities	0.00	2258.18	87.37	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	390,469	261,862	103,618	0	+49.11%
Total Equity and Liabilities	1,188,157	1,010,819	635,736	0	+17.54%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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 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)	PEG	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	444.3	+0.89	+0.2%	0.01	0.28	213.94	66.69	27.07	1.01	13.51	13.51	79.16	255.01	3.29	69.35	24.41	11.16	2.43	38.49	-	35.75	26.41	4.3	45.76	3.18	3.18%	6.37	6.37%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	389.2	-4.29	-1.09%	0.01	0.18	179.53	91.69	40.8	1.65	0.13	0.13	72.18	22.92	4.14	100.81	31.68	0.17	2.5	3,453.85	-	3,138.46	29.76	6.04	33.11	0.03	0.03%	0.07	0.07%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	435.6	-3.38	-0.77%	0.01	0.22	176.85	84.49	19.84	0.7	5	5	78.8	141.05	3.77	76.74	27.59	8.19	2.9	102.58	-	93.38	21.95	8.39	51.86	1.79	1.79%	3.08	3.08%
NIL	517.1	-2.39	-0.46%	0.01	0.22	226.33	75.01	18.22	0.94	10.4	10.4	66.61	230.13	2.98	66.7	26.53	11.3	2.7	58.65	-	51.49	34.99	6.63	58.82	2.49	2.49%	4.63	4.63%
NLG	495	+2.02	+0.41%	0.01	0.21	166.36	86.02	36.64	1.04	2.17	2.17	68.57	90.13	5.27	91.42	31.24	3.14	3.35	257.14	-	244.24	35.35	8.11	28.8	0.64	0.64%	1.28	1.28%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	585.9	+0.88	+0.15%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	-	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
RBCL	14,200	+469.58	+3.42%	0.04	0.04	6,407.05	70.88	96.13	0.45	129.18	129.18	52.63	4,315.37	2.52	76.41	90.6	37.76	2.32	115.18	-	105.86	9.59	43.5	15.63	1.4	1.4%	2	2%
SALICO	523	+3.48	+0.67%	0.01	0.23	232.72	81.06	23.27	1.06	11.94	11.94	53.84	250.04	3.98	79.83	24.5	9.62	2.6	50.67	-	45.64	81.07	4.88	49.14	2.25	2.25%	5.06	5.06%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	387.4	+0.31	+0.08%	0.01	0.17	147.33	64.76	54.71	1.65	5.76	5.76	57.52	138.18	3.01	78.87	40.6	9.09	3.18	81.42	-	69.24	41.03	7.4	30.52	1.52	1.52%	3.94	3.94%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	532.6	-1.39	-0.26%	0.02	0.2	191.95	75.26	38.7	1.56	4.19	4.19	70.32	134.52	3.91	81.27	32.69	4.4	3.2	146.78	-	137.92	32.17	6.45	31.47	0.89	0.89%	2.21	2.21%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	607	+3.08	+0.51%	0.02	0.17	260.26	84.04	24.47	1.78	11.65	11.65	60.08	261.19	3.98	76.37	32.14	10.54	2.85	63.61	-	54.51	36.13	6.71	49.06	1.82	1.82%	4.35	4.35%
UAIL	361.5	+0.51	+0.14%	0.01	0.22	188.01	79.81	24.68	1.08	2.73	2.73	88.01	107.46	2.63	72.74	31.75	3.49	2.3	158.61	-	139.93	16.79	5.54	44.37	0.76	0.76%	1.49	1.49%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,623.22	39.11	0.25%	0.01	0.19	715.28	75.07	36.19	1.17	17.5	17.5	67.23	515.55	3.83	75.45	35.81	11.1	2.816	381.42	-	346.804	33.59	10.014	39.86	1.68	1.68%	3.46	3.46%
MED	506.05	0.69	0.15%	0.01	0.205	192.48	77.54	28.4	1.07	8.08	8.08	67.59	185.59	3.84	76.57	31.72	9.36	2.775	92	-	81.31	33.58	6.67	42.05	1.66	1.66%	3.51	3.51%
MAX	14,200	469.58	3.42%	0.04	0.28	6,407.05	91.69	96.13	1.78	129.18	129.18	88.01	4,315.37	6.45	100.81	90.6	37.76	3.46	3,453.85	-	3,138.46	81.07	43.5	58.82	3.41	3.41%	7.08	7.08%
MIN	361.5	-4.29	-1.09%	0.01	0.04	147.33	41.17	18.22	0.45	0.13	0.13	52.63	22.92	2.52	34.87	24.41	0.17	2.3	38.49	-	35.75	9.59	4.3	15.63	0.03	0.03%	0.07	0.07%