Sun Nepal Life Insurance Company Limited

Life InsuranceMid Cap

NPR 412.00

NPR -2-0.48%

09:14 AM NPT · Aug 10, 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

414.00

High

415.00

Low

411.10

Prev Close

414.00

Volume

11,302

Turnover

Rs 4,662,506.1

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

8.58

EPS TTM

11.33

BVPS

110.22

P/E Ann.

48.02

P/E TTM

36.36

Graham #

145.87

Capital

Mkt Cap

20.73 Arab

Total

5.03 Crore

Public

1.51 Crore

Promoter

3.52 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

7.47

ADX

35.65

Overall Score

18
Below Line

Technical Score

Moving Averages

SMA 20

428.5

SMA 50

436.04

Bands & Channels

BB Width %

9.42%

Volume & Flow

OBV

-262,430

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

65,863

Shares Bought

Total Sell

65,863

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

73

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

4

Quantity

22,880

Amount

9,549,574

Avg Rate

417.38

Rank

#5

Brokers

#57#49#42#58

Distributors

4

Quantity

36,432

Amount

15,230,070

Avg Rate

418.04

Rank

#5

Brokers

#17#26#6#34

Net Flow Impact:

-13,552units
(Rs. -5,680,496)

Net Flow by Timeframe

SNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 92,315 ]

Buy Side

Total: 41,848

Broker

QTY

AVG

NET

%

58

6,264

417.41

+3,447

9.5%

42

5,681

415.65

+3,521

8.6%

57

5,613

417.69

+5,202

8.5%

49

5,322

418.85

+4,704

8.1%

50

3,181

418.61

+3,014

4.8%

45

2,979

416.01

+1,623

4.5%

39

1,926

413.97

+1,463

2.9%

21

1,724

415.60

+1,517

2.6%

1

1,636

418.85

+1,602

2.5%

35

1,581

416.76

+1,332

2.4%

54

1,359

419.55

+1,325

2.1%

16

1,324

415.12

+856

2.0%

51

1,136

417.66

+755

1.7%

47

1,134

418.01

+550

1.7%

43

988

418.55

+243

1.5%

Sell Side

Total: 50,467

Broker

QTY

AVG

NET

%

17

9,831

419.41

-9,151

14.9%

6

9,805

419.77

-7,087

14.9%

26

9,006

415.23

-8,537

13.7%

34

7,790

417.38

-6,018

11.8%

38

2,794

415.61

-1,335

4.2%

62

2,715

413.37

-1,551

4.1%

64

2,095

412.72

-2,039

3.2%

22

1,964

420.74

-1,060

3.0%

14

1,706

413.10

-561

2.6%

81

1,111

413.30

-1,111

1.7%

25

523

414.62

-131

0.8%

56

321

417.80

-242

0.5%

13

311

417.28

-102

0.5%

18

255

419.76

-155

0.4%

89

240

416.65

-89

0.4%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Assets
Goodwill & Intangible Assets19,62020,6062,7250-4.78%
Property and Equipment117,074133,59589,0770-12.37%
Investment Properties0.000.000.000-
Deferred Tax Assets311,926275,364333,9400+13.28%
Investment in Subsidiaries1,098,4501,098,450528,50000.00%
Investment in Associates0.000.000.000-
Investments15,577,19912,478,11410,755,1050+24.84%
Loans831,714744,297590,3520+11.74%
Reinsurance Assets8,2214,05417,2120+102.82%
Current Tax Assets414,979331,269231,3540+25.27%
Insurance Receivables99,885290,946199,2190-65.67%
Insurance Payable0.000.000.000-
Other Financial Assets121,774162,708107,6430-25.16%
Other Assets10,01157,518143,6200-82.60%
Cash and Cash Equivalent1,013,134924,108493,8670+9.63%
Total Assets19,623,98816,521,03013,492,6140+18.78%
Equity
Share Capital5,282,7943,961,6003,200,0000+33.35%
Share Application Money Pending Allotment0.000.000.000-
Share Premium1,297,3691,249,7231,267,6800+3.81%
Catastrophe Reserves233,294182,765142,5820+27.65%
Retained Earnings306,410819,4661,234,1480-62.61%
Other Equity348,903292,714367,2630+19.20%
Total Equity7,468,7696,506,2686,211,6720+14.79%
Liabilities
Insurance & Contract Liabilities
Provisions8,1274,5777,0010+77.56%
Gross Insurance Contract Liabilities11,930,6049,691,1816,966,0090+23.11%
Other Financial Liabilities160,857225,345223,6190-28.62%
Other Liabilities55,63293,65984,3120-40.60%
Taxes & Funding
Deferred Tax Liabilities0.000.000.000-
Current Tax Liabilities0.000.000.000-
Borrowings0.000.000.000-
Total Liabilities12,155,21910,014,7627,280,9420+21.37%
Total Equity and Liabilities19,623,98816,521,03013,492,6140+18.78%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareCombined Expense RatioCommission Expense RatioDebt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInvestment YieldLoss RatioManagement Expense RatioNet Profit MarginP/BP/E (Annualized)P/E (TTM)P/SRetained RiskROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ALICL

418-4.01-0.95%0.020.24120.79123.548.2199.268.44151.454.62110.884.453.455.1250.0954.383.0798.160.80.74%8.958.16%

CLI

440-3.91-0.88%0.020.35114.75113.749.464.49.68.55148.585.3298.885.44.755.4148.5454.444.195.551.651.48%8.047.16%

CREST

1,179.7-9.27-0.78%0.010.45106.8683.789.210.472.153.2488.266.3659.7914.783.3216.08599.53387.1935.3975.861.492.25%2.053.1%

GLICL

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

GMLI

1,100-4.97-0.45%0.010.49104.39106.468.840.592.596.31121.745.2585.4612.163.5620.04605.75210.6238.3884.531.764.29%2.496.08%

HLI

317-2.69-0.84%0.030.25116.41127.378.068.513.813.6898.184.63113.156.161.54.1494.7892.912.5497.490.360.35%3.253.14%

ILI

408.2-4.21-1.02%0.020.37116.41107.548.73.119.8111.7175.064.8691.57.3465.1145.4637.744.8597.152.22.63%8.5510.19%

JLI

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

LICN

770-4.88-0.63%0.040.22160.81144.747.116.467.777.28162.35.62134.772.871.316.88106.82112.362.599.520.280.26%4.774.47%

NLIC

738-1.78-0.24%0.070.26124.53131.557.4523.876.44.28109.515.1121.522.580.868.35121.88179.351.8898.920.210.15%5.193.47%

NLICL

567+5+0.89%0.030.27122.4121.1510.215.229.767.4142.761.11107.73.251.976.4760.8680.412.1397.580.520.39%8.136.17%

PLI

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

PLIC

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

PMLI

433-4.51-1.03%0.020.31108.87111.99.543.116.917.07131.64.0793.978.395.435.969.7568.036.7496.261.681.72%6.436.57%

RLI

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

RNLI

424-7.68-1.78%0.020.32118.47109.079.692.7312.0711.06171.75.0491.248.148.535.2438.6142.95.8694.452.762.53%10.359.48%

SJLIC

410-2.6-0.63%0.020.3119.69123.718.598.318.797.68143.815.42108.576.552.844.9650.6357.032.5698.510.850.74%7.446.5%

SLI

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

SLICL

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

SRLI

368.6-5.39-1.44%0.020.32110.06111.9110.174.439.067.59137.14.4294.037.715.194.8544.1754.024.0896.741.651.38%8.256.92%

ULI

-------------------------
AVG582.58-3.91-0.75%0.030.319118.8116.658.867.717.547.25137.084.76100.886.913.757.581148.99110.1068.77594.671.251.45%6.456.26%
MED433-4.21-0.84%0.020.31116.41113.748.844.438.797.4142.765.0498.886.553.455.4160.8668.034.0897.151.491.38%7.446.5%
MAX1,179.750.89%0.070.49160.81144.7410.223.8712.0711.7175.066.36134.7714.788.5320.04605.75387.1938.3899.522.764.29%10.3510.19%
MIN317-9.27-1.78%0.010.22104.3983.787.10.472.153.2488.261.1159.792.580.864.1438.6137.741.8875.860.210.15%2.053.1%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum