Sagarmatha Lumbini Insurance Co. Limited

Non Life InsuranceMid Cap

NPR 589.00

NPR -6-1.01%

09:14 AM NPT · Aug 12, 2026

Est. March 13, 2023 (Incorporated: January 31, 1995; Operations since 1997) · Kathmandu, Nepal · CEO: Mr. Chunky Chhetry

Sagarmatha Lumbini Insurance Company Limited (SLICL) is one of Nepal’s leading non-life insurance companies, formed through the merger of Sagarmatha Insurance Company Limited and Lumbini General Insurance Company Limited. Operating under the regulatory supervision of the Nepal Insurance Authority, the company provides a wide spectrum of general insurance products designed to protect individuals, businesses, and institutions from diverse financial risks. Headquartered in Kathmandu, SLICL offers comprehensive insurance services including motor, fire and property, marine, engineering, aviation, agriculture and livestock, medical, travel, and various miscellaneous liability insurance solutions. With an extensive nationwide presence through branch offices and authorized agents, the company ensures accessible and customer-friendly services across Nepal. Built on strong governance, efficient claim settlement, digital service integration, and innovative insurance products, Sagarmatha Lumbini Insurance Company Limited has established itself as a trusted and reliable insurer in Nepal’s rapidly growing non-life insurance sector.

salico.com.np/

Trading

Open

600.00

High

601.50

Low

587.30

Prev Close

595.00

Volume

618

Turnover

Rs 364,276

Txns

Valuation · Q3 FY25/26

EPS Ann.

6.77

EPS TTM

10.85

BVPS

233.64

P/E Ann.

87.00

P/E TTM

54.29

Graham #

188.65

Capital

Mkt Cap

15.45 Arab

Total

2.62 Crore

Public

1.05 Crore

Promoter

1.57 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

47.3

ADX

28.3

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

599.62

SMA 50

607.47

Bands & Channels

BB Width %

5.8%

Volume & Flow

OBV

972,470

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

19,325

Shares Bought

Total Sell

19,325

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

9,898

Amount

5,865,136

Avg Rate

592.56

Rank

Brokers

#52#40#96

Distributors

Quantity

10,720

Amount

6,338,370

Avg Rate

591.27

Rank

Brokers

#82#34#35

Net Flow Impact:

-822units

(Rs. -473,234)

Net Flow by Timeframe

SALICO — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 33,796 ]

Buy Side

Total: 16,911

Broker

QTY

AVG

NET

3,979

595.93

+3,479

20.6%

3,123

590.43

+3,123

16.2%

2,796

590.14

+2,796

14.5%

1,616

587.26

+1,616

8.4%

1,569

611.47

+1,104

8.1%

800

588.02

+513

4.1%

503

589.94

+483

2.6%

450

592.89

+413

2.3%

400

590.00

+400

2.1%

379

586.13

+379

2.0%

300

588.20

+300

1.6%

300

591.27

+50

1.6%

286

587.46

+276

1.5%

250

590.12

+250

1.3%

160

590.75

+160

0.8%

Sell Side

Total: 16,885

Broker

QTY

AVG

NET

7,214

590.85

-7,147

37.3%

2,006

595.51

-1,956

10.4%

1,500

587.57

-970

7.8%

1,000

589.76

-900

5.2%

1,000

595.07

-930

5.2%

812

616.88

-810

4.2%

547

595.00

-517

2.8%

511

592.23

-318

2.6%

501

588.00

-481

2.6%

500

587.86

-300

2.6%

443

589.38

-153

2.3%

250

615.52

-165

1.3%

238

588.10

-238

1.2%

200

590.00

-200

1.0%

163

601.33

-65

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	158,280	158,040	157,464	0	+0.15%
Property and Equipment	212,355	248,438	239,076	0	-14.52%
Investment Properties	101,538	112,105	112,716	0	-9.43%
Deferred Tax Assets	51,238	30,127	5,011	0	+70.07%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	5,931,000	6,778,896	6,548,778	0	-12.51%
Loans	8,550	10,521	11,408	0	-18.73%
Reinsurance Assets	5,139,683	5,931,432	5,328,343	0	-13.35%
Current Tax Assets	321,453	321,179	125,038	0	+0.09%
Insurance Receivables	754,883	928,320	1,118,371	0	-18.68%
Other Financial Assets	221,296	87,301	375,859	0	+153.49%
Other Assets	1,299,154	1,404,800	784,075	0	-7.52%
Cash and Cash Equivalent	712,650	599,258	276,938	0	+18.92%
Total Assets	14,912,081	16,610,417	15,083,076	0	-10.22%
Equity
Share Capital	2,622,638	2,622,638	2,622,638	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	2,777,240	214,177	187,910	0	+1196.70%
Retained Earnings	188,191	626,105	382,132	0	-69.94%
Other Equity	539,460	3,062,701	3,076,796	0	-82.39%
Total Equity	6,127,530	6,525,622	6,269,476	0	-6.10%
Liabilities
Insurance & Contract Liabilities
Provisions	103,321	124,030	54,730	0	-16.70%
Gross Insurance Contract Liabilities	7,438,433	8,171,841	7,423,018	0	-8.97%
Insurance Payable	584,537	1,065,923	686,897	0	-45.16%
Other Financial Liabilities	209,425	201,717	196,183	0	+3.82%
Other Liabilities	448,834	521,285	452,773	0	-13.90%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	8,784,551	10,084,796	8,813,600	0	-12.89%
Total Equity and Liabilities	14,912,081	16,610,417	15,083,076	0	-10.22%

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)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	537.9	+3.21	+0.6%	0.01	0.24	205.28	82.75	25.3	1.3	5.9	12.42	239.51	2.53	82.49	25.56	5.71	3.4	88.64	45.49	9.01	48.55	1.39	2.92%	2.89	6.1%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	427.1	-0.09	-0.02%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	116.65	3.18	100.23	30.09	0.02	3.23	22,150	139.18	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	500	-0.2	-0.04%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	191.23	3.02	74.12	29.45	9.75	3.93	90.29	58.83	15.68	52.66	1.89	3.28%	3.56	6.14%
NIL	606.2	+0.18	+0.03%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	247.83	2.16	73.58	27.74	9.73	3.9	81.12	52.66	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	571	+4.98	+0.88%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	100.71	4.03	103.55	37.92	2.66	5.05	360.98	237.87	17.12	26.17	0.47	0.74%	1.07	1.67%
NMIC	901	-4.98	-0.55%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	666.9	-2.41	-0.36%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	248.72	5.9	30.1	35.95	28.41	4.42	41.86	53.58	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,025	-83.24	-0.59%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	127.2	74.76	17.04	1.55	1.28%	2.24	1.87%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	452.8	-0.18	-0.04%	0.01	0.13	153.04	71.52	51.92	1.7	3.19	7.82	164.1	2.36	80.18	43.26	5.67	4.3	154.83	64.07	15.65	27.09	0.75	1.85%	2.12	5.2%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	615	+3.61	+0.59%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	151.21	3.23	86.99	33.51	3.62	4.46	209.24	122.5	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	694	+10.93	+1.6%	0.02	0.13	250.04	106.28	24.95	2.04	1.91	10.68	245.12	3.1	98.24	32.99	2.08	4.02	394.76	69.35	14.68	48.17	0.27	1.55%	0.73	4.15%
UAIL	435	+1	+0.23%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	362.12	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,702.66	-5.6	0.19%	0.02	0.161	711.99	87.16	37.97	1.21	15.9	16.89	505.83	3.11	83.43	41.71	10.58	4.947	1,985.54	136.066	28.241	40.26	1.32	1.86%	2.58	3.88%
MED	588.6	0.05	0%	0.01	0.17	186.16	85.51	30.59	1.17	3.87	8.7	177.67	3.06	84.22	33.25	5.69	3.975	131.23	95.925	15.165	43.34	1.39	1.7%	2.24	3.85%
MAX	14,025	10.93	1.6%	0.04	0.24	6,524.1	114.99	105.37	2.04	144.49	120.36	4,203.32	5.9	119.43	92.28	39.07	15.9	22,150	362.12	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	427.1	-83.24	-0.59%	0.01	0.04	100.17	36.47	16.72	0.46	-4.03	1.32	72.04	2.16	30.1	25.56	-5.52	3.18	-116.1	45.49	9.01	17.04	-1.2	0.39%	-2.32	0.76%