Prabhu Mahalaxmi Life Insurance Limited

Life InsuranceMid Cap

NPR 429.00

NPR +1.6+0.37%

09:14 AM NPT · Nov 6, 2026

Est. 2023 A.D. (Formed through the merger of Prabhu Life Insurance and Mahalaxmi Life Insurance) · Central Office: Kathmandu, Nepal (as per pmlil.com) · CEO: Santosh Prasai

Prabhu Mahalaxmi Life Insurance emerged from the merger of two previously independent life-insurance companies Prabhu Life Insurance Limited and Mahalaxmi Life Insurance Limited combining their strengths to meet the increased regulatory capital requirements set by the insurance regulator. Since beginning joint operations in mid-2023, PMLI has positioned itself as a significant player in Nepal’s life-insurance sector, offering a broad and diversified portfolio of life-insurance products including term-life policies, endowment plans, child savings plans, and pension-type products, catering to individuals across income levels. In its mission statement, PMLI emphasizes delivering “comprehensive and innovative life insurance solutions” aimed at providing financial security, long-term savings, and protection for families and individuals. By consolidating the resources, distribution networks, and experience of its predecessor firms, the company has rapidly expanded its footprint: as of now it operates through dozens of branches and agents across Nepal, aiming to make life insurance accessible beyond major cities. Financially, PMLI is publicly traded on the Nepal Stock Exchange (NEPSE) under the ticker symbol “PMLI.” As of the most recent data, the company’s share metrics reflect a paid-up capital of NPR 5,103,648,000 with over 51 million shares outstanding.The company’s latest published result (for fiscal year 2081/82) shows a net profit of NPR 370.74 million evidence of operational scale and improved financial health post-merger. Among its popular offerings is the “Super Surakshit Beema” plan, which is reportedly among the best-selling products, valued for its combination of life protection, savings benefit, optional critical-illness coverage, and flexibility in premium payment terms.Given Nepal’s growing awareness about financial security and life insurance, PMLI aims to leverage its consolidated strength combining regulatory compliance, broader capital base, and diversified product lineup to become a preferred life-insurance provider for households nationwide. Its strategy appears to emphasize both protection (insurance) and long-term savings/investment benefits, making it relevant for a wide demographic, including salaried workers, business owners, and middle-class families.

Trading

Open

420.00

High

429.00

Low

417.20

Prev Close

427.40

Volume

11,243

Turnover

Rs 4,723,728.7

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

7.08

EPS TTM

7.08

BVPS

110.87

P/E Ann.

60.59

P/E TTM

60.59

Graham #

132.90

Capital

Mkt Cap

22.77 Arab

Total

5.31 Crore

Public

1.26 Crore

Promoter

4.04 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

52.08

ADX

41.54

Overall Score

44
Below Line

Technical Score

Moving Averages

SMA 20

427.25

SMA 50

420.6

Bands & Channels

BB Width %

6.18%

Volume & Flow

OBV

814,449

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

72,966

Shares Bought

Total Sell

72,966

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

67

Participating

ACCUM/DIST

Accumulation 33%

Distribution 67%

Accumulators

5

Quantity

25,362

Amount

10,697,210

Avg Rate

421.78

Rank

#9

Brokers

#48#38#7#74#43

Distributors

3

Quantity

52,654

Amount

22,270,910

Avg Rate

422.97

Rank

#5

Brokers

#57#34#58

Net Flow Impact:

-27,292units
(Rs. -11,573,699)

Net Flow by Timeframe

PMLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 109,192 ]

Buy Side

Total: 42,224

Broker

QTY

AVG

NET

%

48

12,469

421.50

+12,224

17.1%

38

4,452

421.11

+4,273

6.1%

7

3,800

421.93

+3,288

5.2%

74

2,397

424.80

+2,374

3.3%

28

2,375

427.98

+2,058

3.3%

43

2,244

421.20

+2,186

3.1%

66

2,200

425.40

+2,170

3.0%

72

1,770

423.35

+1,670

2.4%

14

1,657

424.46

+1,407

2.3%

45

1,646

420.64

+1,407

2.3%

80

1,600

421.19

+1,600

2.2%

36

1,524

424.66

+1,163

2.1%

41

1,478

421.74

+1,144

2.0%

17

1,347

423.92

+214

1.9%

50

1,265

428.57

+745

1.7%

Sell Side

Total: 66,968

Broker

QTY

AVG

NET

%

57

38,794

423.82

-36,232

53.2%

34

11,901

418.80

-3,405

16.3%

56

6,053

424.33

-216

8.3%

42

3,031

427.68

-1,412

4.2%

58

1,959

431.33

-1,421

2.7%

25

1,406

426.27

-868

1.9%

68

1,267

418.88

-1,267

1.7%

63

932

423.14

-932

1.3%

40

750

431.64

-710

1.0%

44

359

430.43

-103

0.5%

5

229

425.56

-229

0.3%

3

121

424.19

-71

0.2%

39

70

423.28

-17

0.1%

53

52

426.67

-52

0.1%

75

44

416.59

-44

0.1%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Assets
Goodwill & Intangible Assets15,41313,8815,9750+11.04%
Property and Equipment284,897277,297198,3210+2.74%
Investment Properties0.000.000.000-
Deferred Tax Assets394,710198,865228,7790+98.48%
Investment in Subsidiaries0.000.000.000-
Investment in Associates0.000.000.000-
Investments20,838,49116,596,93313,627,3520+25.56%
Loans1,576,5331,257,2171,076,2680+25.40%
Reinsurance Assets44,032000-
Current Tax Assets536,470461,771375,6330+16.18%
Insurance Receivables39,19113,93550,8810+181.23%
Insurance Payable253,074225,921257,9540+12.02%
Other Financial Assets256,401245,289232,4850+4.53%
Other Assets17,740466,48712,3000-96.20%
Cash and Cash Equivalent1,754,7881,249,206688,9240+40.47%
Total Assets25,758,66620,780,87916,496,9180+23.95%
Equity
Share Capital5,307,7945,103,6484,296,0000+4.00%
Share Application Money Pending Allotment0.000.000.000-
Share Premium19,35219,35219,35200.00%
Catastrophe Reserves148,505110,03490,6350+34.96%
Retained Earnings428,241514,184956,1010-16.71%
Other Equity283,745169,14495,1210+67.75%
Total Equity6,187,6375,916,3625,457,2080+4.59%
Liabilities
Insurance & Contract Liabilities
Provisions70,17162,714183,7360+11.89%
Gross Insurance Contract Liabilities18,656,43414,044,94610,286,9870+32.83%
Other Financial Liabilities341,233290,673148,4450+17.39%
Other Liabilities250,117240,262162,5860+4.10%
Taxes & Funding
Deferred Tax Liabilities0.000.000.000-
Current Tax Liabilities0.000.000.000-
Borrowings0.000.000.000-
Total Liabilities19,571,03014,864,51711,039,7090+31.66%
Total Equity and Liabilities25,758,66620,780,87916,496,9180+23.95%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareCombined Expense RatioCommission Expense RatioDebt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInvestment YieldLoss RatioManagement Expense RatioNet Profit MarginP/BP/E (Annualized)P/E (TTM)P/SRetained RiskROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ALICL

422.2-1.78-0.42%0.020.24116.29122.878.439.177.897.89143.686.13110.074.372.893.653.1154.871.5498.110.690.69%7.827.82%

CLI

442+1.5+0.34%0.020.36115.36113.669.514.837.827.82142.476.6899.284.873.493.7755.6456.251.9595.761.251.25%6.496.49%

CREST

1,192+147.12+14.08%0.010.4296.5190.849.420.60.340.3427.177.6266.714.720.5412.173,4553,25018.8475.470.220.22%0.330.33%

GLICL

-------------------------

GMLI

886-1.51-0.17%0.010.48104.58101.438.920.662.142.1470.966.8780.9611.552.7911.19546.68481.3115.2784.431.341.34%2.022.02%

HLI

303-0.3-0.1%0.030.25116.61124.558.318.853.483.4895.556.03110.575.671.292.7692.4791.091.298.040.320.32%3.033.03%

ILI

443+0.31+0.07%0.020.37120.69104.388.983.3211.6811.68178.095.9388.546.866.453.3834.9336.812.2596.452.422.42%9.789.78%

JLI

-------------------------

LICN

799+2.07+0.26%0.040.22162.36141.937.2116.747.387.38164.197.4131.752.971.214.86107.02110.161.399.510.260.26%4.484.48%

NLIC

740+1.03+0.14%0.070.27124.71127.597.7123.74.914.91117.386.88117.562.320.626.01152.71149.690.9698.920.170.17%3.973.97%

NLICL

580-0.99-0.17%0.030.29121.71120.259.3915.836.516.51133.526.41107.853.011.174.7688.9489.41.0497.230.330.33%5.455.45%

PLI

-------------------------

PLIC

-------------------------

RLI

-------------------------

RNLI

446-3.01-0.67%0.020.32121.18106.289.893.0211.2111.21174.836.1188.198.27.423.6339.2539.62.9295.242.392.39%9.319.31%

SJLIC

429.9-0.3-0.07%0.020.31121.29120.278.799.027.597.59143.926.75105.446.042.223.4154.4155.441.2198.320.680.68%6.356.35%

SLI

-------------------------

SLICL

-------------------------

SNLI

416+2.19+0.53%0.020.3111.53103.889.552.277.927.92140.985.9585.528.817.163.7853.352.93.8296.042.132.13%6.926.92%

SRLI

378.1+1.09+0.29%0.020.33110.88109.3810.444.797.657.65138.155.4291.897.053.993.4249.5249.151.9897.071.311.31%6.936.93%

ULI

-------------------------
AVG575.1711.341.09%0.030.32118.75114.418.977.916.666.66128.536.4898.796.653.175.134367.92347.4364.17594.661.041.04%5.615.61%
MED4430.310.07%0.020.31116.61113.668.984.837.597.59140.986.4199.286.042.793.7755.6456.251.9597.070.690.69%6.356.35%
MAX1,192147.1214.08%0.070.48162.36141.9310.4423.711.6811.68178.097.62131.7514.727.4212.173,4553,25018.8499.512.422.42%9.789.78%
MIN303-3.01-0.67%0.010.2296.5190.847.210.60.340.3427.175.4266.72.320.542.7634.9336.810.9675.470.170.17%0.330.33%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum