Sun Nepal Life Insurance Company Limited

Life InsuranceLow Cap

NPR 391.90

NPR +10.9+2.86%

09:14 AM NPT · Sep 11, 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

383.40

High

391.90

Low

382.00

Prev Close

381.00

Volume

13,099

Turnover

Rs 5,070,990.1

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

7.92

EPS TTM

7.92

BVPS

111.53

P/E Ann.

49.48

P/E TTM

49.48

Graham #

140.98

Capital

Mkt Cap

19.72 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

Very Strong

Momentum

RSI (14)

40.13

ADX

80.07

Overall Score

41
Below Line

Technical Score

Moving Averages

SMA 20

395.49

SMA 50

415.48

Bands & Channels

BB Width %

10.29%

Volume & Flow

OBV

-397,830

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

56,636

Shares Bought

Total Sell

56,636

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

76

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

5

Quantity

17,135

Amount

6,631,161

Avg Rate

387.00

Rank

#5

Brokers

#6#62#45#43#29

Distributors

3

Quantity

31,968

Amount

12,317,521

Avg Rate

385.31

Rank

#4

Brokers

#57#91#33

Net Flow Impact:

-14,833units
(Rs. -5,686,360)

Net Flow by Timeframe

SNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 81,026 ]

Buy Side

Total: 38,495

Broker

QTY

AVG

NET

%

44

4,290

383.59

+2,200

7.6%

62

4,284

388.36

+3,240

7.6%

58

3,871

386.45

+1,027

6.8%

45

3,826

385.68

+2,967

6.8%

6

3,816

387.65

+3,656

6.7%

43

2,829

385.84

+2,718

5.0%

29

2,380

386.96

+2,247

4.2%

34

2,165

384.85

+489

3.8%

48

1,881

382.24

+1,694

3.3%

74

1,787

384.21

+1,770

3.2%

42

1,750

385.30

+1,520

3.1%

1

1,595

389.11

+895

2.8%

51

1,587

382.73

+1,471

2.8%

35

1,411

384.90

+613

2.5%

22

1,023

382.68

+866

1.8%

Sell Side

Total: 42,531

Broker

QTY

AVG

NET

%

57

19,363

386.22

-16,791

34.2%

91

8,856

382.92

-8,856

15.6%

33

3,749

386.26

-3,737

6.6%

49

2,606

386.01

-286

4.6%

50

2,050

386.78

-974

3.6%

85

1,912

387.00

-1,912

3.4%

86

1,200

385.08

-1,200

2.1%

25

753

380.75

-601

1.3%

87

551

389.77

-451

1.0%

19

513

388.37

-181

0.9%

16

317

383.29

-244

0.6%

94

212

385.23

-212

0.4%

36

193

385.48

-43

0.3%

46

139

387.78

-119

0.3%

18

117

381.00

-105

0.2%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Assets
Goodwill & Intangible Assets19,92321,48924,3130-7.29%
Property and Equipment149,274120,399106,4400+23.98%
Investment Properties0.000.000.000-
Deferred Tax Assets320,070260,185319,5110+23.02%
Investment in Subsidiaries1,098,4501,098,450801,45000.00%
Investment in Associates0.000.000.000-
Investments15,988,67614,208,85410,802,7670+12.53%
Loans808,331727,811609,9040+11.06%
Reinsurance Assets4,9592,8421,8990+74.46%
Current Tax Assets420,703352,518244,1930+19.34%
Insurance Receivables32,79979,331238,9470-58.66%
Insurance Payable0.000.000.000-
Other Financial Assets269,752280,845135,4990-3.95%
Other Assets11,3946,50210,2090+75.23%
Cash and Cash Equivalent1,783,2001,102,461808,9880+61.75%
Total Assets20,907,53118,261,68914,104,1200+14.49%
Equity
Share Capital5,282,7945,008,6923,961,6000+5.47%
Share Application Money Pending Allotment0.000.000.000-
Share Premium1,301,0941,245,6051,267,6800+4.45%
Catastrophe Reserves240,882196,651150,7110+22.49%
Retained Earnings368,424986,805502,0270-62.66%
Other Equity354,643292,918372,1670+21.07%
Total Equity7,547,8367,730,6706,254,1850-2.37%
Liabilities
Insurance & Contract Liabilities
Provisions23,202-1,43796,8130+1715.15%
Gross Insurance Contract Liabilities12,930,78910,108,7827,501,0300+27.92%
Other Financial Liabilities285,366343,149236,6720-16.84%
Other Liabilities120,33780,525102,4200+49.44%
Taxes & Funding
Deferred Tax Liabilities0.000.000.000-
Current Tax Liabilities0.000.000.000-
Borrowings0.000.000.000-
Total Liabilities13,359,69510,531,0197,936,9350+26.86%
Total Equity and Liabilities20,907,53118,261,68914,191,1200+14.49%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q4

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

399.2+1.19+0.3%0.020.24116.29122.878.439.177.897.89143.686.13110.074.372.893.653.1152.621.5498.110.690.69%7.827.82%

CLI

415+3.99+0.97%0.020.36115.36113.669.514.837.827.82142.476.6899.284.873.493.7755.6454.991.9595.761.251.25%6.496.49%

CREST

1,075+5.03+0.47%0.010.4296.5190.849.420.60.340.3427.177.6266.714.720.5412.173,4553,352.9418.8475.470.220.22%0.330.33%

GLICL

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

GMLI

991.9+47.86+5.07%0.010.48104.58101.438.920.662.142.1470.966.8780.9611.552.7911.19546.68478.9715.2784.431.341.34%2.022.02%

HLI

294+3.69+1.27%0.030.25116.61124.558.318.853.483.4895.556.03110.575.671.292.7692.4790.231.298.040.320.32%3.033.03%

ILI

409.1+4.09+1.01%0.020.37120.69104.388.983.3211.6811.68178.095.9388.546.866.453.3834.9335.392.2596.452.422.42%9.789.78%

JLI

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

LICN

754.9-0.08-0.01%0.040.22162.36141.937.2116.747.387.38164.197.4131.752.971.214.86107.02104.341.399.510.260.26%4.484.48%

NLIC

698.5-0.49-0.07%0.070.27124.71127.597.7123.74.914.91117.386.88117.562.320.626.01152.71146.030.9698.920.170.17%3.973.97%

NLICL

55800%0.030.29121.71120.259.3915.836.516.51133.526.41107.853.011.174.7688.9486.331.0497.230.330.33%5.455.45%

PLI

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

PLIC

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

PMLI

405.6+7.6+1.91%0.020.32110.87105.639.633.337.087.08132.94.8788.237.774.993.9161.1759.73.0696.411.611.61%6.466.46%

RLI

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

RNLI

429.9+17.88+4.34%0.020.32121.18106.289.893.0211.2111.21174.836.1188.198.27.423.6339.2538.072.9295.242.392.39%9.319.31%

SJLIC

406+4.02+1%0.020.31121.29120.278.799.027.597.59143.926.75105.446.042.223.4154.4153.621.2198.320.680.68%6.356.35%

SLI

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

SLICL

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

SRLI

357+1.99+0.56%0.020.33110.88109.3810.444.797.657.65138.155.4291.897.053.993.4249.5248.171.9897.071.311.31%6.936.93%

ULI

-------------------------
AVG553.397.441.29%0.020.322118.7114.548.977.996.596.59127.916.39996.573.015.144368.53353.9544.11794.6911%5.575.57%
MED4153.990.97%0.020.32116.61113.668.984.837.387.38138.156.4199.286.042.793.7761.1759.71.9597.070.690.69%6.356.35%
MAX1,07547.865.07%0.070.48162.36141.9310.4423.711.6811.68178.097.62131.7514.727.4212.173,4553,352.9418.8499.512.422.42%9.789.78%
MIN294-0.49-0.07%0.010.2296.5190.847.210.60.340.3427.174.8766.72.320.542.7634.9335.390.9675.470.170.17%0.330.33%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum