Sun Nepal Life Insurance Company Limited

Life InsuranceMid Cap

NPR 448.00

NPR -1-0.22%

09:14 AM NPT · May 15, 2026

Est. 2074-03-01 B.S. (established as a life insurance company and later listed on NEPSE) · Head Office: Kamaladi, Kathmandu, Nepal · CEO: Raj Kumar Aryal

Sun Nepal Life Insurance (SNLI) is a relatively young but rapidly expanding life-insurance company in Nepal, established in 2017. Since its inception, SNLI has positioned itself as a “customer-centric” insurer, aiming to provide flexible, modern, and accessible life-insurance solutions that cater to the diverse needs of individuals, families, and groups across Nepal. The company touts a wide network of licensed agents tens of thousands across the country to ensure broad reach, including to semi-urban and rural areas.SNLI’s product portfolio is diverse and designed to meet different financial and life-planning needs. It offers traditional life-insurance plans (term life, whole life), savings-cum-insurance plans (endowment, money-back), child education-linked plans, money-back endowments, investment-linked policies, group life assurance (for cooperatives, organizations), and modern riders including health/medical coverage under “Sun Medicare” a health-protection plan meant to provide predictable payouts on hospitalization without cumbersome paperwork. On the capital-market side, SNLI is publicly listed under the ticker “SNLI” on the national exchange. As of recent disclosures, the company has 50,312,265 issued shares, giving a paid-up capital of NPR 5,031,226,500. Its market performance shows active trading, with the share price, 52-week high/low band, and share / earnings data reported in public sources. As of 2025, SNLI appears committed to growth and expansion launching new branches (e.g. a relocated branch at Lagankhel in October 2024) under the supervision of its top management. According to a recent corporate-rating assessment by a credit-rating agency, SNLI’s strengths include an experienced board and management team, diversified promoter backing (including institutional promoters), and maintained solvency and capital-adequacy metrics as per regulatory requirements.

Trading

Open

445.10

High

450.00

Low

445.00

Prev Close

449.00

Volume

5,968

Turnover

Rs 2,672,449.2

Txns

194

Valuation · Q2 FY25/26

EPS Ann.

11.35

EPS TTM

10.84

BVPS

115.60

P/E Ann.

39.47

P/E TTM

41.33

Graham #

171.82

Capital

Mkt Cap

22.54 Arab

Total

5.03 Crore

Public

1.51 Crore

Promoter

3.52 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

41.2

ADX

28.22

Overall Score

30
Below Line

Technical Score

Moving Averages

SMA 20

452.12

SMA 50

464.83

Bands & Channels

BB Width %

3.63%

Volume & Flow

OBV

-67,881

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

42,068

Shares Bought

Total Sell

42,068

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

80

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

4

Quantity

14,520

Amount

6,537,506

Avg Rate

450.24

Rank

#10

Brokers

#17#100#42#8

Distributors

5

Quantity

19,902

Amount

8,960,572

Avg Rate

450.23

Rank

#9

Brokers

#56#44#58#29#14

Net Flow Impact:

-5,382units
(Rs. -2,423,067)

Net Flow by Timeframe

SNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 56,400 ]

Buy Side

Total: 26,717

Broker

QTY

AVG

NET

%

17

5,047

450.66

+4,208

12.0%

42

4,239

450.13

+2,719

10.1%

100

2,839

449.80

+2,839

6.8%

8

2,395

450.08

+2,346

5.7%

71

2,200

447.83

+2,123

5.2%

62

1,791

451.27

+1,774

4.3%

45

1,323

451.85

+438

3.1%

57

1,242

449.78

+726

3.0%

34

1,149

449.23

+225

2.7%

95

1,000

454.92

+1,000

2.4%

32

990

451.64

+881

2.4%

91

880

452.27

+817

2.1%

49

854

451.84

+53

2.0%

35

427

453.07

+182

1.0%

21

341

445.52

+195

0.8%

Sell Side

Total: 29,683

Broker

QTY

AVG

NET

%

56

5,524

448.59

-3,594

13.1%

44

4,757

452.27

-3,556

11.3%

58

4,667

449.35

-2,780

11.1%

29

3,193

452.96

-2,419

7.6%

41

2,011

452.05

-860

4.8%

14

1,761

447.27

-1,374

4.2%

1

1,687

450.07

-590

4.0%

4

962

450.47

-709

2.3%

48

924

450.21

-577

2.2%

47

863

450.00

-450

2.0%

52

761

451.31

-495

1.8%

38

703

452.49

-157

1.7%

43

652

448.56

-325

1.6%

59

617

452.95

-417

1.5%

50

601

454.11

-264

1.4%

Financial Fundamentals

Financial MetricFY25/26 Q2FY24/25 Q2FY23/24 Q2FY22/23 Q2Growth %
Assets
Goodwill & Intangible Assets21,730,79721,207,0652,431,6350+2.47%
Property and Equipment115,774,461134,073,42688,871,3280-13.65%
Investment Properties0.000.000.0031384000.00-
Deferred Tax Assets263,472,867200,223,500269,502,5600+31.59%
Investment in Subsidiaries1,098,450,0001,098,450,000178,500,00000.00%
Investment in Associates0.000.000.000-
Investments15,100,133,95810,711,731,87710,178,110,2516,719,503,000+40.97%
Loans792,113,509683,301,118553,140,338424,552,000+15.92%
Reinsurance Assets9,217,9791,910,24100+382.56%
Current Tax Assets398,010,085315,710,162226,820,6150+26.07%
Insurance Receivables51,545,826222,523,531263,919,5330-76.84%
Insurance Payable0.000.000.000-
Other Financial Assets224,563,724272,469,205119,025,1750-17.58%
Other Assets9,982,32541,635,274110,447,179958,088,000-76.02%
Cash and Cash Equivalent705,578,3662,387,417,606803,144,40319,586,000-70.45%
Total Assets18,790,573,89716,090,653,00412,793,913,0178,153,113,000+16.78%
Equity
Share Capital5,031,232,0003,961,600,0003,200,000,0002,240,000,000+27.00%
Share Application Money Pending Allotment0.000.000.000-
Share Premium1,302,213,2431,267,680,0001,267,680,0000+2.72%
Catastrophe Reserves236,112,008189,181,300123,521,47881,975,000+24.81%
Retained Earnings548,529,228771,700,7751,075,010,715737,779,000-28.92%
Other Equity292,075,446390,671,624319,051,1354,248,846,000-25.24%
Total Equity7,410,161,9256,580,833,6995,985,263,3277,308,600,000+12.60%
Liabilities
Insurance & Contract Liabilities
Provisions8,126,9845,135,4937,296,425415,020,000+58.25%
Gross Insurance Contract Liabilities11,080,184,0379,211,637,6686,515,418,2320+20.28%
Other Financial Liabilities188,625,169213,668,721203,253,9560-11.72%
Other Liabilities103,475,78379,377,42375,298,196429,491,000+30.36%
Taxes & Funding
Deferred Tax Liabilities0.000.007382881.600-
Current Tax Liabilities0.000.000.000-
Borrowings0.000.000.000.00-
Total Liabilities11,380,411,9739,509,819,3066,808,649,690844,511,000+19.67%
Total Equity and Liabilities18,790,573,89816,090,653,00412,793,913,0178,153,111,000+16.78%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBVPSC/D Ratio%EPS (Annu.)EPS (TTM)Graham's No.Int. Rate Spread%NIM%NPL%NPM%P/BP/E (Annu.)PEGP/E (Latest)P/E (TTM)P/SROA (Annu.)%ROA (TTM)%ROE (Annu.)%ROE (TTM)%

ALICL

451.5-2.68-0.59%0.020.23124.65-10.548.45153.95-0%-4.03%7.6445.16042.0152.47.280.94%0.75%10.08%8.08%

CLI

455+2.22+0.49%0.020.37112.2-9.268.51146.57-0%-4.64%8.4751.3049.3453.699.531.68%1.56%8.74%8.04%

CREST

1,137.8-70.18-5.81%0.010.51106.81-3.134.0698.78-0%-4.91%23.13394.574.06424.28327.0977.552.5%3.24%3.5%4.54%

GLICL

------------------------

GMLI

1,279-0.9-0.07%0.010104.21-3.538.25139.08-0%-4,876.37%32.74483.310490.08209.785,3052.74%6.42%4.02%9.4%

HLI

337.5+0.61+0.18%0.030.25115.41-4.594.13103.56-0%-1.81%6.3679.96078.6587.415.880.44%0.41%3.9%3.56%

ILI

436+1.09+0.25%0.020.37114.48-10.8311.72173.75-0%-6.81%7.6840.5835.8240.1237.0711.062.52%2.73%8.78%9.51%

JLI

------------------------

LICN

814+0.08+0.01%0.040159.09-8.177.25161.09-0%-1,367.14%10.72104.330100.98113.795,682.670.3%0.27%6.14%5.45%

NLIC

762-1.37-0.18%0.070.28123.29-7.1122.38249.16-0%-5.54%12.56108.860105.4933.514.11.56%0.83%33.68%17.99%

NLICL

589.8+2.12+0.36%0.030.28120.12-10.087.39141.33-0%-2%9.5857.09056.45774.570.56%0.41%8.56%6.28%

PLI

------------------------

PLIC

------------------------

PMLI

461.1-0.51-0.11%0.020.33106.32-5.026.05120.3-0%-3.91%9.0695.92097.0180.515.021.28%1.56%4.76%5.75%

RLI

------------------------

RNLI

458.6+0.6+0.13%0.020.35117.05-15.2411.85176.66-0%-10.57%7.9230.4331.9629.7238.2312.883.66%2.85%13.22%10.29%

SJLIC

42800%0.020.31117.82-8.067.1137.19-0%-2.62%7.4454.418.2553.6660.925.710.8%0.71%6.94%6.12%

SLI

------------------------

SLICL

------------------------

SRLI

389-2.39-0.61%0.020.34108.8-11.018.41143.48-0%-6.26%7.3936.511.9834.9245.729.142.1%1.61%9.98%7.63%

ULI

------------------------
AVG615.33-5.49-0.46%0.030.278117.71-8.28.89149.61-0%-484.35%11.592121.7257.082123.28593.6187,011.5681.62%1.8%9.41%7.9%
MED458.600%0.020.31115.41-8.178.25143.48-0%-4.91%8.4757.09056.4560.929.531.56%1.56%8.56%7.63%
MAX1,2792.220.49%0.070.51159.09-15.2422.38249.16-0%-4,876.37%32.74483.3135.82490.08327.0985,3053.66%6.42%33.68%17.99%
MIN337.5-70.18-5.81%0.010104.21-3.134.0698.78-0%-1.81%6.3630.43029.7233.514.10.3%0.27%3.5%3.56%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum