Sagarmatha Lumbini Insurance Co. Limited

Non Life InsuranceMid Cap

NPR 533.00

NPR -7-1.30%

09:13 AM NPT · Sep 24, 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

540.00

High

550.00

Low

533.00

Prev Close

540.00

Volume

1,144

Turnover

Rs 612,162

Txns

Valuation · Q4 FY25/26

EPS Ann.

11.94

EPS TTM

11.94

BVPS

232.72

P/E Ann.

44.64

P/E TTM

44.64

Graham #

250.04

Capital

Mkt Cap

13.98 Arab

Total

2.62 Crore

Public

1.05 Crore

Promoter

1.57 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

56.2

ADX

40.92

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

540.62

SMA 50

573.76

Bands & Channels

BB Width %

13.8%

Volume & Flow

OBV

942,577

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

13,041

Shares Bought

Total Sell

13,041

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 62%

Distribution 38%

Accumulators

Quantity

6,230

Amount

3,410,095

Avg Rate

547.37

Rank

Brokers

#39#53#74#36

Distributors

Quantity

3,825

Amount

2,099,257

Avg Rate

548.83

Rank

#11

Brokers

#58#80

Net Flow Impact:

+2,405units

(Rs. 1,310,838)

Net Flow by Timeframe

SALICO — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 23,157 ]

Buy Side

Total: 11,480

Broker

QTY

AVG

NET

2,795

556.48

+2,795

21.4%

1,350

543.59

+1,350

10.3%

1,276

539.45

+341

9.8%

1,085

535.39

+1,035

8.3%

1,000

540.00

+1,000

7.7%

852

538.22

+707

6.5%

675

541.96

+675

5.2%

400

533.60

+400

3.1%

353

542.97

+353

2.7%

334

540.77

+284

2.6%

300

537.12

+300

2.3%

300

535.25

+300

2.3%

280

538.02

+280

2.1%

250

531.80

+200

1.9%

230

532.09

+230

1.8%

Sell Side

Total: 11,677

Broker

QTY

AVG

NET

2,010

538.73

-1,940

15.4%

1,815

560.00

-1,815

13.9%

1,760

547.40

-1,720

13.5%

1,361

536.88

-1,361

10.4%

1,126

536.67

-1,126

8.6%

1,000

545.00

-1,000

7.7%

790

541.06

-575

6.1%

736

535.77

-586

5.6%

688

535.16

-673

5.3%

213

532.47

-213

1.6%

545.00

-44

0.5%

540.19

-54

0.4%

540.00

-30

0.2%

536.10

-20

0.1%

540.00

-10

0.1%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	158,078	158,074	157,442	0	0.00%
Property and Equipment	205,990	248,505	227,855	0	-17.11%
Investment Properties	98,021	111,948	112,577	0	-12.44%
Deferred Tax Assets	51,238	34,954	28,365	0	+46.59%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	5,857,232	6,721,718	6,413,393	0	-12.86%
Loans	6,550	10,668	10,658	0	-38.60%
Reinsurance Assets	3,271,257	4,954,152	5,060,363	0	-33.97%
Current Tax Assets	273,180	295,210	184,807	0	-7.46%
Insurance Receivables	681,667	956,946	1,057,059	0	-28.77%
Other Financial Assets	179,358	65,954	375,089	0	+171.95%
Other Assets	1,149,541	1,206,014	1,148,066	0	-4.68%
Cash and Cash Equivalent	664,061	386,899	286,597	0	+71.64%
Total Assets	12,596,174	15,151,042	15,062,271	0	-16.86%
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	244,751	229,303	194,584	0	+6.74%
Retained Earnings	347,904	366,523	507,578	0	-5.08%
Other Equity	337,519	3,052,771	3,023,050	0	-88.94%
Total Equity	6,103,290	6,271,235	6,347,850	0	-2.68%
Liabilities
Insurance & Contract Liabilities
Provisions	130,780	149,528	90,555	0	-12.54%
Gross Insurance Contract Liabilities	5,540,448	6,885,254	6,904,747	0	-19.53%
Insurance Payable	119,676	1,125,906	1,096,882	0	-89.37%
Other Financial Liabilities	205,904	160,753	228,717	0	+28.09%
Other Liabilities	496,076	558,365	393,521	0	-11.16%
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	6,492,884	8,879,807	8,714,421	0	-26.88%
Total Equity and Liabilities	12,596,174	15,151,042	15,062,271	0	-16.86%

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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	592	-9.87	-1.64%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
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%
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	1,642.47	12.87	-0.5%	0.01	0.19	704.75	74.41	36.82	1.12	16.98	16.98	70.94	504.43	3.91	72.63	38.6	11.68	3.297	390.26	355.398	196.47	11.767	39.24	1.82	1.82%	3.5	3.5%
MED	520.9	-3.09	-0.63%	0.01	0.205	189.98	75.14	30.27	1.06	5.72	5.72	69.45	139.62	3.84	76.39	31.95	9.82	2.875	108.88	99.62	33.58	7.055	40.77	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	6.45	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%	7.08	7.08%
MIN	371.9	-9.87	-1.64%	0.01	0.04	106.36	41.17	18.22	0.45	0.13	0.13	52.63	22.92	2.52	34.87	24.41	0.17	2.3	38.49	35.75	9.59	4.3	15.63	0.03	0.03%	0.07	0.07%