Sun Nepal Life Insurance Company Limited

Life InsuranceMid Cap

NPR 438.00

NPR -0.5-0.11%

09:14 AM NPT · Jun 26, 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

433.30

High

439.80

Low

433.30

Prev Close

438.50

Volume

10,082

Turnover

Rs 4,408,585.6

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

8.58

EPS TTM

11.33

BVPS

110.22

P/E Ann.

51.05

P/E TTM

38.66

Graham #

145.87

Capital

Mkt Cap

22.04 Arab

Total

5.03 Crore

Public

1.51 Crore

Promoter

3.52 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

24.61

ADX

42.92

Overall Score

14
Below Line

Technical Score

Moving Averages

SMA 20

447.37

SMA 50

449.92

Bands & Channels

BB Width %

5.78%

Volume & Flow

OBV

-143,539

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

59,323

Shares Bought

Total Sell

59,323

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

79

Participating

ACCUM/DIST

Accumulation 58%

Distribution 42%

Accumulators

3

Quantity

35,863

Amount

15,760,547

Avg Rate

439.47

Rank

#5

Brokers

#42#57#14

Distributors

6

Quantity

25,770

Amount

11,319,816

Avg Rate

439.26

Rank

#8

Brokers

#44#34#94#59#58#41

Net Flow Impact:

+10,093units
(Rs. 4,440,731)

Net Flow by Timeframe

SNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 87,139 ]

Buy Side

Total: 49,266

Broker

QTY

AVG

NET

%

42

18,469

439.27

+14,406

31.1%

57

12,461

440.19

+11,463

21.0%

14

4,933

438.37

+2,806

8.3%

38

2,106

440.69

+832

3.5%

50

1,732

438.91

+1,442

2.9%

22

1,537

440.66

+960

2.6%

29

1,297

436.65

+1,178

2.2%

4

1,176

437.11

+212

2.0%

26

1,168

438.61

+562

2.0%

48

1,075

435.60

+702

1.8%

74

1,000

443.10

+949

1.7%

19

688

442.51

+549

1.2%

51

661

436.41

+335

1.1%

13

559

436.42

+230

0.9%

64

404

440.32

+358

0.7%

Sell Side

Total: 37,873

Broker

QTY

AVG

NET

%

44

6,758

438.43

-5,256

11.4%

34

5,537

442.90

-5,064

9.3%

58

3,744

439.03

-2,430

6.3%

94

3,676

436.88

-3,666

6.2%

59

3,133

435.97

-2,997

5.3%

41

2,922

441.11

-2,426

4.9%

17

2,392

439.25

-2,271

4.0%

49

1,864

440.74

-1,330

3.1%

25

1,512

437.83

-1,292

2.5%

39

1,228

442.63

-1,043

2.1%

71

1,111

435.70

-1,111

1.9%

45

1,055

439.71

-624

1.8%

62

1,003

437.91

-855

1.7%

32

981

441.89

-871

1.6%

85

957

437.46

-957

1.6%

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

440.1-2.88-0.65%0.020.24120.79123.548.2199.268.44151.454.62110.884.453.455.1250.0954.383.0798.160.80.74%8.958.16%

CLI

447.5-0.72-0.16%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

1,198.9+34.92+3%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

1,167-7.04-0.6%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

328.9-2.09-0.63%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

421-2.12-0.5%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

804.9+0.96+0.12%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

747.5+2.53+0.34%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

567.1+1.08+0.19%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

455.3-2.89-0.63%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

451-0.99-0.22%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

423+0.38+0.09%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

383-1.81-0.47%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

-------------------------
AVG602.711.49-0.01%0.030.319118.8116.658.867.717.547.25137.084.76100.886.913.757.581148.99110.1068.77594.671.251.45%6.456.26%
MED451-0.99-0.22%0.020.31116.41113.748.844.438.797.4142.765.0498.886.553.455.4160.8668.034.0897.151.491.38%7.446.5%
MAX1,198.934.923%0.070.49160.81144.7410.223.8712.0711.7175.066.36134.7714.788.5320.04605.75387.1938.3899.522.764.29%10.3510.19%
MIN328.9-7.04-0.65%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