Sagarmatha Lumbini Insurance Co. Limited

Non Life InsuranceMid Cap

NPR 587.00

NPR +4+0.69%

09:13 AM NPT · May 15, 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

584.00

High

593.90

Low

582.00

Prev Close

583.00

Volume

4,022

Turnover

Rs 2,354,866.9

Txns

Valuation · Q2 FY25/26

EPS Ann.

2.85

EPS TTM

14.29

BVPS

227.43

P/E Ann.

205.96

P/E TTM

41.08

Graham #

120.76

Capital

Mkt Cap

15.39 Arab

Total

2.62 Crore

Public

1.05 Crore

Promoter

1.57 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

37.35

ADX

21.35

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

593.73

SMA 50

609.12

Bands & Channels

BB Width %

6.05%

Volume & Flow

OBV

1,046,846

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

15,749

Shares Bought

Total Sell

15,749

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

5,581

Amount

3,279,706

Avg Rate

587.66

Rank

#13

Brokers

#42#48#11#50

Distributors

Quantity

4,801

Amount

2,809,701

Avg Rate

585.23

Rank

#12

Brokers

#16#36

Net Flow Impact:

+780units

(Rs. 470,006)

Net Flow by Timeframe

SALICO — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 25,016 ]

Buy Side

Total: 11,254

Broker

QTY

AVG

NET

2,176

584.08

+1,626

13.8%

1,560

589.86

+1,080

9.9%

1,000

590.00

+1,000

6.3%

845

590.00

+845

5.4%

818

585.23

+387

5.2%

730

583.00

+730

4.6%

704

584.58

+704

4.5%

569

583.15

+507

3.6%

509

587.64

+509

3.2%

500

582.60

+500

3.2%

430

585.11

+430

2.7%

410

584.69

+410

2.6%

400

593.90

+400

2.5%

330

582.32

+300

2.1%

273

586.77

+173

1.7%

Sell Side

Total: 13,762

Broker

QTY

AVG

NET

2,423

584.08

-1,955

15.4%

2,378

586.40

-2,178

15.1%

1,944

589.98

-1,944

12.3%

1,525

587.46

-1,315

9.7%

1,397

588.08

-1,347

8.9%

1,000

583.00

-812

6.3%

867

583.74

-297

5.5%

500

585.79

-500

3.2%

416

583.95

-416

2.6%

300

585.84

-260

1.9%

248

583.60

-208

1.6%

231

592.12

-31

1.5%

196

582.74

-171

1.2%

190

592.85

-140

1.2%

147

587.27

-18

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	158,279,764	157,311,512	157,564,865	0	+0.62%
Property and Equipment	219,061,781	225,925,926	247,248,234	179,800,000	-3.04%
Investment Properties	104,984,698	112,262,350	112,890,043	0	-6.48%
Deferred Tax Assets	51,237,691	19,149,882	18,577,918	0	+167.56%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	6,278,926,173	6,698,328,368	6,591,409,623	745,500,000	-6.26%
Loans	9,150,000	10,711,786	11,347,092	0	-14.58%
Reinsurance Assets	5,565,411,158	7,000,398,731	5,463,777,463	0	-20.50%
Current Tax Assets	340,141,433	221,277,558	238,454,627	0	+53.72%
Insurance Receivables	798,030,983	1,332,990,559	975,047,225	0	-40.13%
Other Financial Assets	151,440,101	238,426,193	323,428,291	0	-36.48%
Other Assets	1,376,611,607	1,527,351,161	950,737,234	5,373,500,000	-9.87%
Cash and Cash Equivalent	466,688,173	517,369,922	199,610,722	102,800,000	-9.80%
Total Assets	15,519,963,562	18,061,503,948	15,290,093,337	6,401,600,000	-14.07%
Equity
Share Capital	2,622,638,200	2,622,638,200	2,622,638,200	1,333,600,000	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0.00	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	2,767,653,372	2,748,354,616	172,768,869	127,600,000	+0.70%
Retained Earnings	102,948,088	639,748,252	256,599,469	502,700,000	-83.91%
Other Equity	471,539,425	419,510,389	3,044,272,859	1,290,800,000	+12.40%
Total Equity	5,964,779,085	6,430,251,457	6,096,279,397	3,254,700,000	-7.24%
Liabilities
Insurance & Contract Liabilities
Provisions	89,478,952	97,688,602	106,483,168	2,697,800,000	-8.40%
Gross Insurance Contract Liabilities	7,808,399,791	9,211,487,014	7,740,669,580	0	-15.23%
Insurance Payable	952,457,159	1,567,946,166	769,529,091	0	-39.25%
Other Financial Liabilities	233,896,208	206,856,888	204,413,460	0	+13.07%
Other Liabilities	470,952,367	547,273,821	372,718,641	449,200,000	-13.95%
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	0.00	-
Total Liabilities	9,555,184,477	11,631,252,491	9,193,813,940	3,147,000,000	-17.85%
Total Equity and Liabilities	15,519,963,562	18,061,503,948	15,290,093,337	6,401,700,000	-14.07%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	532	-4.51	-0.84%	0.01	0.24	209.67	-	1.26	15.53	270.67	-	0%	-	1.14%	4.81	400	0	392.86	31.87	18.39	0.26%	3.41%	0.6%	7.49%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	423	+2.02	+0.48%	0.01	0.14	176.25	-	-11.96	1.34	72.9	-	0%	-	-19.8%	4.75	-35.03	0	-35.09	313.21	27.77	-2.74%	0.3%	-6.5%	0.73%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	486.5	+1.5	+0.31%	0.01	0.19	166.91	-	0.39	9.24	186.28	-	0%	-	0.69%	5.97	1,277.18	0	1,256.41	53.03	35.72	0.12%	3.2%	0.24%	6.03%
NIL	613	+1.71	+0.28%	0.02	0.17	229.19	-	0.8	15.07	278.77	-	0%	-	1.06%	5.39	772.5	0	753.75	40.01	32.92	0.18%	3.39%	0.36%	6.84%
NLG	567	-6.89	-1.2%	0.02	0.18	163.55	-	0.86	3.81	118.41	-	0%	-	1.41%	8.31	790.58	0	779.42	175.93	44.58	0.24%	1.1%	0.6%	2.65%
NMIC	1,007.5	+7.5	+0.75%	0.01	0.14	101.65	-	3.61	1.99	67.46	-	0%	-	21.06%	24.4	343.49	0.09	362.88	658.29	289.04	3.02%	1.67%	4.18%	2.31%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	648	-6.02	-0.92%	0.01	0.14	202.27	-	14.85	12.88	242.11	-	0%	-	25.88%	12.78	43.5	0	47.35	54.6	180.2	3.56%	3.12%	7.52%	6.54%
RBCL	15,400	+500.62	+3.36%	0.04	0.04	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	4.6	111.69	0	112.82	154.89	145.67	1.42%	1.04%	2.08%	1.51%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	458	-1.01	-0.22%	0.01	0.1	145.61	-	-8.92	6.18	142.29	-	0%	-	-18.98%	6.62	-54.02	0	-52.35	75.57	41.01	-1.98%	1.37%	-6.2%	4.29%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	615	+3	+0.49%	0.02	0	196.64	-	-3.06	5.15	150.95	-	0%	-	-3,634.59%	6.36	-204.41	0	-201.96	120	31,275	-0.58%	1%	-1.56%	2.64%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	709.9	-0.21	-0.03%	0.02	0	241.32	-	-12.72	11.03	244.72	-	0%	-	-15,930.16%	5.94	-56.35	0	-54	62.28	35,840	-1.8%	1.56%	-4.8%	4.17%
UAIL	441.9	+1.01	+0.23%	0.01	0.21	171.7	-	-9.23	1.74	81.99	-	0%	-	-13.63%	5.22	-48.59	0	-49.47	262.41	26.5	-2.86%	0.53%	-5.48%	1.03%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,825.15	41.56	0.22%	0.02	0.129	705.5	-	9.07	15.07	467.39	-	0%	-	-1,627.78%	7.929	278.378	0.008	276.052	166.841	5,663.067	-0.1%	1.81%	-0.75%	3.85%
MED	590	1.26	0.26%	0.01	0.14	186.45	-	0.6	7.71	168.62	-	0%	-	0.88%	5.955	77.595	0	80.085	97.785	42.795	0.15%	1.47%	0.3%	3.41%
MAX	15,400	500.62	3.36%	0.04	0.24	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	24.4	1,277.18	0.09	1,256.41	658.29	35,840	3.56%	3.41%	7.52%	7.49%
MIN	423	-6.89	-1.2%	0.01	0	101.65	-	-12.72	1.34	67.46	-	0%	-	-15,930.16%	4.6	-204.41	0	-201.96	31.87	18.39	-2.86%	0.3%	-6.5%	0.73%