Prabhu Insurance Ltd.

Non Life InsuranceLow Cap

NPR 592.00

NPR -9.9-1.64%

09:14 AM NPT · Sep 24, 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

601.90

High

601.90

Low

590.00

Prev Close

601.90

Volume

8,386

Turnover

Rs 4,966,827.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.33

EPS TTM

13.33

BVPS

193.00

P/E Ann.

44.41

P/E TTM

44.41

Graham #

240.59

Capital

Mkt Cap

10.07 Arab

Total

1.7 Crore

Public

83.35 Lakh

Promoter

86.75 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

54.16

ADX

31.52

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

601.13

SMA 50

644.59

Bands & Channels

BB Width %

10.72%

Volume & Flow

OBV

5,571,145

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

26,182

Shares Bought

Total Sell

26,182

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

9,701

Amount

5,848,127

Avg Rate

602.84

Rank

Brokers

#57#38#85#45

Distributors

Quantity

9,424

Amount

5,631,830

Avg Rate

597.61

Rank

Brokers

#47#58#28

Net Flow Impact:

+277units

(Rs. 216,297)

Net Flow by Timeframe

PRIN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 38,153 ]

Buy Side

Total: 17,955

Broker

QTY

AVG

NET

3,351

602.61

+3,136

12.8%

3,137

608.79

+1,548

12.0%

1,879

599.74

+1,134

7.2%

1,334

593.78

+1,334

5.1%

1,225

596.34

+896

4.7%

1,060

592.96

+1,060

4.0%

1,000

609.00

+895

3.8%

813

595.47

+670

3.1%

787

595.82

+461

3.0%

780

594.43

+779

3.0%

744

596.45

+288

2.8%

570

599.82

+442

2.2%

554

595.09

+554

2.1%

400

598.00

+400

1.5%

321

597.62

+82

1.2%

Sell Side

Total: 20,198

Broker

QTY

AVG

NET

4,551

594.97

-2,656

17.4%

2,763

604.05

-2,762

10.6%

2,417

592.31

-1,939

9.2%

2,110

594.85

-1,971

8.1%

1,085

598.28

-1,000

4.1%

1,027

605.84

-89

3.9%

1,027

609.95

-1,017

3.9%

1,011

604.85

-923

3.9%

743

593.29

-241

2.8%

713

603.40

-286

2.7%

708

606.18

-378

2.7%

623

593.30

-538

2.4%

500

606.11

-490

1.9%

480

602.38

-220

1.8%

440

602.31

-440

1.7%

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	473	-1.71	-0.36%	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	393	+0.71	+0.18%	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	456	-2.98	-0.65%	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	529.8	-3.2	-0.6%	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	512	-6.01	-1.16%	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	821.8	-8.22	-0.99%	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	14,000	+198.74	+1.44%	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	533	-7.02	-1.3%	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	385.1	-1.9	-0.49%	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	552	-6.03	-1.08%	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	623	-6.99	-1.11%	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	371.9	+1.89	+0.51%	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	1,637.55	13.11	-0.47%	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	520.9	-3.09	-0.63%	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	14,000	198.74	1.44%	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	371.9	-8.22	-1.3%	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%