Prabhu Insurance Ltd.

Non Life InsuranceLow Cap

NPR 680.10

NPR -7.9-1.15%

09:14 AM NPT · Jun 26, 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

691.10

High

691.10

Low

680.00

Prev Close

688.00

Volume

7,689

Turnover

Rs 5,257,787.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

16.58

EPS TTM

13.12

BVPS

209.55

P/E Ann.

41.02

P/E TTM

51.84

Graham #

279.59

Capital

Mkt Cap

11.57 Arab

Total

1.7 Crore

Public

83.35 Lakh

Promoter

86.75 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

39.06

ADX

37.27

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

701.33

SMA 50

674.18

Bands & Channels

BB Width %

5.23%

Volume & Flow

OBV

5,577,879

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

40,124

Shares Bought

Total Sell

40,124

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 63%

Distribution 37%

Accumulators

Quantity

23,793

Amount

16,531,200

Avg Rate

694.79

Rank

Brokers

#58#77#26

Distributors

Quantity

13,986

Amount

9,638,255

Avg Rate

689.14

Rank

Brokers

#34#64#14#41

Net Flow Impact:

+9,807units

(Rs. 6,892,945)

Net Flow by Timeframe

PRIN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 60,407 ]

Buy Side

Total: 32,873

Broker

QTY

AVG

NET

18,883

693.63

+12,301

47.1%

3,280

701.47

+3,280

8.2%

1,630

694.79

+1,630

4.1%

1,500

695.60

+1,500

3.7%

1,359

684.47

+1,359

3.4%

1,319

682.92

+619

3.3%

1,000

691.95

+635

2.5%

570

692.30

+570

1.4%

565

684.09

+565

1.4%

500

681.00

+500

1.3%

500

690.00

+500

1.3%

500

695.60

+500

1.3%

485

687.30

+299

1.2%

400

696.00

+400

1.0%

382

686.08

+382

0.9%

Sell Side

Total: 27,534

Broker

QTY

AVG

NET

5,365

698.19

-5,265

13.4%

3,560

682.18

-3,540

8.9%

3,002

683.00

-2,687

7.5%

2,895

694.67

-1,735

7.2%

2,059

686.52

-2,059

5.1%

1,583

695.88

-857

4.0%

1,534

693.66

-544

3.8%

101

1,430

681.84

-1,430

3.6%

1,102

683.77

-672

2.8%

1,080

688.56

-980

2.7%

1,000

682.00

-970

2.5%

910

682.27

-715

2.3%

750

696.07

-635

1.9%

664

703.38

-564

1.6%

600

695.53

-600

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	409.12	138.18	248.29	0	+196.08%
Property and Equipment	112,597	118,422	93,165	0	-4.92%
Investment Properties	20,977	21,593	22,182	0	-2.85%
Deferred Tax Assets	10,610	0	13,874	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	1,361,945	2,763,701	2,520,841	0	-50.72%
Loans	0.00	0.00	0.00	0	-
Reinsurance Assets	2,629,422	1,801,711	1,113,269	0	+45.94%
Current Tax Assets	0.00	0.00	0.00	0	-
Insurance Receivables	1,394,324	1,063,415	856,999	0	+31.12%
Other Financial Assets	305,836	452,890	337,968	0	-32.47%
Other Assets	519,322	586,609	715,901	0	-11.47%
Cash and Cash Equivalent	1,323,456	35,062	112,651	0	+3674.66%
Total Assets	7,678,897	6,843,540	5,787,099	0	+12.21%
Equity
Share Capital	1,700,956	1,441,488	1,376,122	0	+18.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	111,853	115,395	1,246,136	0	-3.07%
Retained Earnings	249,125	290,194	103,451	0	-14.15%
Other Equity	1,502,362	1,533,315	365,979	0	-2.02%
Total Equity	3,564,296	3,380,392	3,091,689	0	+5.44%
Liabilities
Insurance & Contract Liabilities
Provisions	127,429	92,897	195,734	0	+37.17%
Gross Insurance Contract Liabilities	3,358,864	2,570,166	1,872,644	0	+30.69%
Insurance Payable	422,900	413,730	348,413	0	+2.22%
Other Financial Liabilities	70,629	183,224	20,718	0	-61.45%
Other Liabilities	102,457	144,122	167,162	0	-28.91%
Taxes & Funding
Deferred Tax Liabilities	2,637	4,537	0	0	-41.88%
Current Tax Liabilities	29,685	54,472	90,739	0	-45.50%
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	4,114,602	3,463,149	2,695,410	0	+18.81%
Total Equity and Liabilities	7,678,897	6,843,540	5,787,099	0	+12.21%

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)	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%
NMIC	973	+5.8	+0.6%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	1,765.98	20.49	0.48%	0.02	0.164	714	91.61	37.5	1.23	15.08	16.7	70.72	505.01	2.88	88.07	41.05	8.74	4.867	1,989.52	136.555	26.22	27.329	40.45	1.07	1.76%	2.09	3.72%
MED	603.7	2.29	0.42%	0.02	0.18	186.16	88.04	28.45	1.25	3.87	8.7	70.21	177.67	3.06	85.85	32.21	5.69	3.915	131.23	95.925	28.29	14.365	43.34	1.12	1.68%	2.24	3.85%
MAX	14,645	216.43	2.94%	0.04	0.24	6,524.1	114.99	105.37	2.04	144.49	120.36	98.24	4,203.32	4.03	119.43	92.28	39.07	15.9	22,150	362.12	40.71	120.42	57.72	2.96	3.28%	4.51	6.14%
MIN	439.9	-4.98	-0.87%	0.01	0.04	100.17	71.52	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	66.29	25.56	-5.52	3.18	-116.1	45.49	2.1	9.01	17.04	-1.2	0.39%	-2.32	0.76%