Nepal Micro Insurance Company Limited

Non Life Insurance

NPR 973.00

NPR +5.8+0.60%

09:14 AM NPT · Jun 26, 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.

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Trading

Open

918.90

High

988.50

Low

918.90

Prev Close

967.20

Volume

1,759

Turnover

Rs 1,716,914.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.54

EPS TTM

3.56

BVPS

100.17

P/E Ann.

214.32

P/E TTM

273.31

Graham #

101.16

Capital

Mkt Cap

N/A

Total

N/A

Public

N/A

Promoter

N/A

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

15.82

ADX

35.04

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1033.59

SMA 50

1044.24

Bands & Channels

BB Width %

15.04%

Volume & Flow

OBV

-562,596

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

15,909

Shares Bought

Total Sell

15,909

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

3,232

Amount

3,194,222

Avg Rate

988.31

Rank

#11

Brokers

#62#42#35#36

Distributors

Quantity

5,332

Amount

5,228,234

Avg Rate

980.54

Rank

Brokers

#63#6#58#67

Net Flow Impact:

-2,100units

(Rs. -2,034,012)

Net Flow by Timeframe

NMIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 17,925 ]

Buy Side

Total: 7,970

Broker

QTY

AVG

NET

1,214

987.33

+547

7.6%

868

982.83

+218

5.5%

852

988.21

+842

5.4%

780

979.99

+430

4.9%

736

989.04

+195

4.6%

480

982.35

+35

3.0%

438

986.47

+20

2.8%

400

985.54

+91

2.5%

386

1008.43

+362

2.4%

381

995.16

+361

2.4%

326

979.75

+166

2.0%

295

1007.25

+295

1.9%

284

989.12

+234

1.8%

270

988.46

+50

1.7%

260

974.48

+180

1.6%

Sell Side

Total: 9,955

Broker

QTY

AVG

NET

2,220

974.47

-1,087

13.9%

1,709

989.62

-650

10.7%

101

1,033

993.82

-503

6.5%

760

971.04

-710

4.8%

754

993.45

-123

4.7%

643

988.58

-643

4.0%

549

1005.46

-529

3.5%

544

982.55

-424

3.4%

350

984.85

-90

2.2%

270

1004.52

-270

1.7%

267

992.20

-267

1.7%

230

991.43

-70

1.4%

216

974.50

-96

1.4%

210

981.56

-58

1.3%

200

990.16

-100

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	11,691	12,643	11,377	0	-7.53%
Property and Equipment	32,068	35,239	32,231	0	-9.00%
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	703,988	637,556	490,588	0	+10.42%
Loans	0.00	0.00	770.00	0	-
Reinsurance Assets	214,711	108,121	33,194	0	+98.58%
Current Tax Assets	26,295	19,804	6,863	0	+32.78%
Insurance Receivables	3,072	4,256	631	0	-27.83%
Other Financial Assets	696.25	151704.88	650.00	0	-99.54%
Other Assets	202,092	3,760	1,121	0	+5274.49%
Cash and Cash Equivalent	93,365	32,475	49,420	0	+187.50%
Total Assets	1,292,293	1,005,560	626,845	0	+28.51%
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	244.64	267.44	335.12	0	-8.53%
Retained Earnings	-1,923	2,208	2,862	0	-187.06%
Other Equity	2,936	2,693	3,418	0	+9.05%
Total Equity	751,258	755,168	531,615	0	-0.52%
Liabilities
Insurance & Contract Liabilities
Provisions	3,574	1,378	1,256	0	+159.33%
Gross Insurance Contract Liabilities	355,460	182,725	49,572	0	+94.53%
Insurance Payable	60,192	33,374	27,870	0	+80.35%
Other Financial Liabilities	13,276	2,280	820	0	+482.24%
Other Liabilities	108,533	30,489	15,624	0	+255.98%
Taxes & Funding
Deferred Tax Liabilities	0.00	145.23	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	541,035	250,392	95,230	0	+116.08%
Total Equity and Liabilities	1,292,293	1,005,560	626,845	0	+28.51%

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)	PEG	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	538	0	0%	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	439.9	+1.01	+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	516.5	-2.49	-0.48%	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%
NIL	620	+4	+0.65%	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	594.9	-4.98	-0.83%	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%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	680.1	-7.91	-1.15%	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	14,645	+216.43	+1.5%	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	612.5	+17.49	+2.94%	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	473	+1.7	+0.36%	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	618	+2.89	+0.47%	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	705	+8.02	+1.15%	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	456	-4	-0.87%	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	1,741.58	19.35	0.33%	0.02	0.166	723.11	85.07	37.34	1.27	16.09	17.5	66.99	518.27	3.08	85.05	37.35	8.97	3.91	1,971.08	-	116.025	29.41	19.056	41.06	1.15	1.82%	2.42	3.96%
MED	603.7	1.35	0.3%	0.02	0.18	197.44	85.51	27.44	1.25	4.37	10.13	67.77	215.02	3.06	85.85	32.21	5.69	3.915	98.96	-	66.71	31.25	14.365	46.96	1.12	1.68%	2.24	4.32%
MAX	14,645	216.43	2.94%	0.04	0.24	6,524.1	106.34	105.37	2.04	144.49	120.36	87.54	4,203.32	5.9	119.43	92.28	39.07	5.05	22,150	-	362.12	40.71	74.76	57.72	3.88	3.28%	8.12	6.42%
MIN	439.9	-7.91	-1.15%	0.01	0.04	153.04	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	8.17	9.01	17.04	-1.2	0.39%	-2.32	0.76%