Sagarmatha Lumbini Insurance Co. Limited

Non Life InsuranceMid Cap

NPR 612.50

NPR +17.5+2.94%

09:14 AM NPT · Jun 26, 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

591.00

High

612.50

Low

586.00

Prev Close

595.00

Volume

6,280

Turnover

Rs 3,741,545.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

6.77

EPS TTM

10.85

BVPS

233.64

P/E Ann.

90.47

P/E TTM

56.45

Graham #

188.65

Capital

Mkt Cap

16.06 Arab

Total

2.62 Crore

Public

1.05 Crore

Promoter

1.57 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

36.6

ADX

42.01

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

623.25

SMA 50

605.91

Bands & Channels

BB Width %

8.91%

Volume & Flow

OBV

1,075,202

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

20,470

Shares Bought

Total Sell

20,470

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

6,406

Amount

3,877,429

Avg Rate

605.28

Rank

#10

Brokers

#42#25#65#32

Distributors

Quantity

6,773

Amount

4,086,530

Avg Rate

603.36

Rank

#10

Brokers

#45#57#33

Net Flow Impact:

-367units

(Rs. -209,101)

Net Flow by Timeframe

SALICO — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 31,351 ]

Buy Side

Total: 14,721

Broker

QTY

AVG

NET

2,296

604.04

+1,632

11.2%

2,207

596.85

+1,051

10.8%

1,500

605.73

+1,500

7.3%

1,310

603.40

+1,240

6.4%

1,300

608.84

+1,300

6.3%

1,200

596.78

+1,200

5.9%

1,155

590.00

+655

5.6%

1,061

603.65

+1,012

5.2%

600

590.75

+350

2.9%

500

612.50

+400

2.4%

450

592.99

+450

2.2%

400

596.80

+389

1.9%

268

595.27

+268

1.3%

255

593.24

+255

1.3%

219

591.94

+149

1.1%

Sell Side

Total: 16,630

Broker

QTY

AVG

NET

3,056

600.37

-2,846

14.9%

2,217

610.98

-1,574

10.8%

2,000

603.45

-1,003

9.8%

1,500

598.18

-1,300

7.3%

1,263

603.52

-1,053

6.2%

1,054

591.17

-1,054

5.2%

1,007

593.21

-937

4.9%

1,000

590.11

-1,000

4.9%

930

596.85

-832

4.5%

570

603.14

-570

2.8%

568

591.81

-414

2.8%

468

598.97

-76

2.3%

448

588.22

-34

2.2%

349

597.55

-69

1.7%

200

598.58

-200

1.0%

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	538	0	0%	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	439.9	+1.01	+0.23%	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	516.5	-2.49	-0.48%	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	620	+4	+0.65%	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	594.9	-4.98	-0.83%	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	973	+5.8	+0.6%	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	680.1	-7.91	-1.15%	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	14,645	+216.43	+1.5%	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	473	+1.7	+0.36%	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	618	+2.89	+0.47%	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	705	+8.02	+1.15%	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	456	-4	-0.87%	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	1,771.62	18.37	0.14%	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	606.45	1.35	0.3%	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	14,645	216.43	1.5%	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	439.9	-7.91	-1.15%	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%