Prabhu Insurance Ltd.

Non Life InsuranceLow Cap

NPR 585.90

NPR +0.9+0.15%

09:13 AM NPT · Nov 6, 2026

Est. 2053 B.S. (Established as a non-life insurance company under Nepal Insurance Act) · Prabhu Complex, Tinkune / Kathmandu, Nepal · CEO: Sanchit Bajracharya

Prabhu Insurance is among Nepal’s well-established non-life insurance companies, offering a broad array of insurance products including motor insurance, property insurance, marine cargo insurance, agriculture insurance, house-hold and dwelling insurance, contractor’s all-risk insurance, travel insurance, and other general-insurance policies. Established in 2053 B.S. by leading industrial and business houses of Nepal, with major shareholding by a large business group and contributions from Employees’ Provident Fund, Prabhu Insurance has grown steadily over years, expanding its footprint to over 60 branches and sub-branches across Nepal enabling it to reach clients nationwide. The company operates on a vision of “protecting the future of the insured,” aiming to provide timely and reliable insurance coverage and claims settlement.Over time, Prabhu Insurance has built a reputation for offering diverse insurance products from vehicle/motor insurance to cargo, property, machinery breakdown, liability, and agricultural insurance catering to retail clients, businesses, traders, and corporate customers. Its paid-up capital is over NPR 1.37 billion, reflecting a substantial capital base for underwriting and insurance operations. The company’s wide branch network allows it to extend services across many parts of Nepal. In recent years, under its renewed leadership and management team, Prabhu Insurance has focused on improving customer-centric services, expedited claim processing, and expanding product reach aiming to strengthen its position in the non-life insurance sector.

prabhuinsurance.com/

Trading

Open

580.10

High

589.00

Low

580.00

Prev Close

585.00

Volume

2,487

Turnover

Rs 1,452,971.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.33

EPS TTM

13.33

BVPS

193.00

P/E Ann.

43.95

P/E TTM

43.95

Graham #

240.59

Capital

Mkt Cap

11.0 Arab

Total

1.88 Crore

Public

92.0 Lakh

Promoter

95.76 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

46.01

ADX

29.73

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

585.69

SMA 50

599.25

Bands & Channels

BB Width %

3.5%

Volume & Flow

OBV

5,522,204

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

34,687

Shares Bought

Total Sell

34,687

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

13,323

Amount

7,757,802

Avg Rate

582.29

Rank

Brokers

#38#42#29#52

Distributors

Quantity

14,321

Amount

8,334,975

Avg Rate

582.01

Rank

Brokers

#4#71#66

Net Flow Impact:

-998units

(Rs. -577,173)

Net Flow by Timeframe

PRIN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 50,677 ]

Buy Side

Total: 24,824

Broker

QTY

AVG

NET

7,470

583.71

+6,329

21.5%

2,923

580.51

+2,789

8.4%

1,855

580.32

+14

5.3%

1,688

580.79

+1,004

4.9%

1,630

580.69

+1,230

4.7%

1,600

585.92

+940

4.6%

1,431

580.55

+551

4.1%

1,300

580.07

+1,240

3.8%

850

580.45

+850

2.5%

849

584.94

+532

2.5%

789

583.14

+679

2.3%

699

586.25

+222

2.0%

650

581.09

+607

1.9%

559

584.12

+421

1.6%

531

583.55

+531

1.5%

Sell Side

Total: 25,853

Broker

QTY

AVG

NET

7,498

582.32

-7,418

21.6%

4,609

580.20

-4,609

13.3%

2,513

580.18

-134

7.2%

2,214

584.73

-2,214

6.4%

1,914

582.09

-1,914

5.5%

1,518

585.05

-518

4.4%

1,266

589.98

-1,216

3.6%

750

580.43

-661

2.2%

670

580.59

-670

1.9%

595

584.43

-206

1.7%

524

581.09

-480

1.5%

500

580.52

-500

1.4%

498

580.83

-169

1.4%

450

582.69

-250

1.3%

334

581.27

-334

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	385.94	117.96	198.86	0	+227.18%
Property and Equipment	106,395	110,999	111,969	0	-4.15%
Investment Properties	20,817	21,437	22,060	0	-2.90%
Deferred Tax Assets	20,426	0	10,363	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	1,288,608	1,432,472	2,590,857	0	-10.04%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	2,529,913	2,118,163	1,184,593	0	+19.44%
Current Tax Assets	0.00	0.00	0.00	0	-
Insurance Receivables	1,243,168	1,101,133	727,902	0	+12.90%
Other Financial Assets	358,242	346,000	242,524	0	+3.54%
Other Assets	512,482	597,506	747,125	0	-14.23%
Cash and Cash Equivalent	1,356,723	1,250,484	72,400	0	+8.50%
Total Assets	7,437,160	6,978,312	5,709,992	0	+6.58%
Equity
Share Capital	1,848,939	1,441,488	1,441,488	0	+28.27%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	113,597	102,694	108,422	0	+10.62%
Retained Earnings	104,152	444,389	256,528	0	-76.56%
Other Equity	154,191	1,402,083	1,396,470	0	-89.00%
Total Equity	3,568,483	3,390,655	3,202,909	0	+5.24%
Liabilities
Insurance & Contract Liabilities
Provisions	158,467	96,996	153,413	0	+63.37%
Gross Insurance Contract Liabilities	3,164,006	2,709,328	1,789,901	0	+16.78%
Insurance Payable	381,942	549,885	255,253	0	-30.54%
Other Financial Liabilities	34,818	39,593	38,928	0	-12.06%
Other Liabilities	112,962	144,465	156,218	0	-21.81%
Taxes & Funding
Deferred Tax Liabilities	2,637	4,814	0	0	-45.22%
Current Tax Liabilities	13,845	42,576	113,371	0	-67.48%
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	3,868,677	3,587,657	2,507,083	0	+7.83%
Total Equity and Liabilities	7,437,160	6,978,312	5,709,992	0	+6.58%

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)	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%
NMIC	775	-4.99	-0.64%	0.01	0.23	106.36	73.15	30.81	0.49	5.68	5.68	98.27	116.59	4.97	45.97	57.99	16.53	8.37	156.67	148.77	2,035.6	25.91	41.8	3.87	3.87%	5.51	5.51%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	1,638.98	38.62	0.18%	0.01	0.198	708.06	77.74	36.28	1.12	16.86	16.86	70.5	505.22	3.7	76.37	37.64	10.45	3.225	390.3	355.432	200.07	11.155	40.03	1.72	1.72%	3.33	3.33%
MED	506.05	0.41	0.11%	0.01	0.215	189.98	77.54	28.94	1.05	5.72	5.72	69.45	139.62	3.84	76.57	31.72	9.36	2.775	108.88	99.62	33.58	6.67	43.08	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	98.27	4,315.37	5.27	100.81	90.6	37.76	8.37	3,453.85	3,138.46	2,035.6	43.5	58.82	3.87	3.87%	6.37	6.37%
MIN	361.5	-4.99	-1.09%	0.01	0.04	106.36	64.76	18.22	0.45	0.13	0.13	52.63	22.92	2.52	45.97	24.41	0.17	2.3	38.49	35.75	9.59	4.3	15.63	0.03	0.03%	0.07	0.07%