Sun Nepal Life Insurance Company Limited

Life InsuranceLow Cap

NPR 416.00

NPR +2.2+0.53%

09:13 AM NPT · Nov 6, 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

411.00

High

417.00

Low

411.00

Prev Close

413.80

Volume

6,847

Turnover

Rs 2,840,172.4

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

7.92

EPS TTM

7.92

BVPS

111.53

P/E Ann.

52.53

P/E TTM

52.53

Graham #

140.98

Capital

Mkt Cap

21.98 Arab

Total

5.28 Crore

Public

2.59 Crore

Promoter

2.69 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

50.7

ADX

36.64

Overall Score

70
Above Line

Technical Score

Moving Averages

SMA 20

415.36

SMA 50

407.02

Bands & Channels

BB Width %

8.63%

Volume & Flow

OBV

-257,501

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

66,299

Shares Bought

Total Sell

66,299

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

76

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

3

Quantity

19,285

Amount

8,070,223

Avg Rate

418.47

Rank

#11

Brokers

#43#35#94

Distributors

5

Quantity

25,739

Amount

10,738,239

Avg Rate

417.20

Rank

#12

Brokers

#58#50#17#44#59

Net Flow Impact:

-6,454units
(Rs. -2,668,016)

Net Flow by Timeframe

SNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 93,649 ]

Buy Side

Total: 44,258

Broker

QTY

AVG

NET

%

43

8,250

418.65

+8,127

12.4%

35

7,035

417.25

+6,517

10.6%

74

4,866

416.16

+3,356

7.3%

94

4,000

420.26

+3,998

6.0%

34

3,837

417.12

+1,263

5.8%

33

2,364

416.45

+2,193

3.6%

38

2,111

417.79

+454

3.2%

60

2,030

417.78

+825

3.1%

39

1,800

421.05

+1,704

2.7%

42

1,594

416.96

+658

2.4%

1

1,487

416.10

+390

2.2%

101

1,409

416.86

+1,409

2.1%

48

1,253

416.81

+1,197

1.9%

26

1,250

414.42

+1,204

1.9%

3

972

415.82

+921

1.5%

Sell Side

Total: 49,391

Broker

QTY

AVG

NET

%

58

10,075

417.51

-7,876

15.2%

50

5,651

417.61

-4,651

8.5%

17

3,953

418.68

-3,942

6.0%

45

3,636

416.61

-819

5.5%

19

3,062

416.74

-2,169

4.6%

44

3,039

415.83

-2,819

4.6%

59

3,021

414.81

-2,211

4.6%

62

2,842

417.12

-1,814

4.3%

7

2,376

420.32

-583

3.6%

25

2,231

418.07

-1,927

3.4%

49

2,216

418.64

-976

3.3%

54

2,108

417.00

-1,441

3.2%

57

2,067

418.25

-1,478

3.1%

6

1,873

415.16

-1,624

2.8%

4

1,241

419.35

-1,119

1.9%

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

422.2-1.78-0.42%0.020.24116.29122.878.439.177.897.89143.686.13110.074.372.893.653.1154.871.5498.110.690.69%7.827.82%

CLI

442+1.5+0.34%0.020.36115.36113.669.514.837.827.82142.476.6899.284.873.493.7755.6456.251.9595.761.251.25%6.496.49%

CREST

1,192+147.12+14.08%0.010.4296.5190.849.420.60.340.3427.177.6266.714.720.5412.173,4553,25018.8475.470.220.22%0.330.33%

GLICL

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

GMLI

886-1.51-0.17%0.010.48104.58101.438.920.662.142.1470.966.8780.9611.552.7911.19546.68481.3115.2784.431.341.34%2.022.02%

HLI

303-0.3-0.1%0.030.25116.61124.558.318.853.483.4895.556.03110.575.671.292.7692.4791.091.298.040.320.32%3.033.03%

ILI

443+0.31+0.07%0.020.37120.69104.388.983.3211.6811.68178.095.9388.546.866.453.3834.9336.812.2596.452.422.42%9.789.78%

JLI

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

LICN

799+2.07+0.26%0.040.22162.36141.937.2116.747.387.38164.197.4131.752.971.214.86107.02110.161.399.510.260.26%4.484.48%

NLIC

740+1.03+0.14%0.070.27124.71127.597.7123.74.914.91117.386.88117.562.320.626.01152.71149.690.9698.920.170.17%3.973.97%

NLICL

580-0.99-0.17%0.030.29121.71120.259.3915.836.516.51133.526.41107.853.011.174.7688.9489.41.0497.230.330.33%5.455.45%

PLI

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

PLIC

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

PMLI

429+1.58+0.37%0.020.32110.87105.639.633.337.087.08132.94.8788.237.774.993.9161.1760.993.0696.411.611.61%6.466.46%

RLI

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

RNLI

446-3.01-0.67%0.020.32121.18106.289.893.0211.2111.21174.836.1188.198.27.423.6339.2539.62.9295.242.392.39%9.319.31%

SJLIC

429.9-0.3-0.07%0.020.31121.29120.278.799.027.597.59143.926.75105.446.042.223.4154.4155.441.2198.320.680.68%6.356.35%

SLI

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

SLICL

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

SRLI

378.1+1.09+0.29%0.020.33110.88109.3810.444.797.657.65138.155.4291.897.053.993.4249.5249.151.9897.071.311.31%6.936.93%

ULI

-------------------------
AVG576.1711.291.07%0.030.322118.7114.548.977.996.596.59127.916.39996.573.015.144368.53348.0584.11794.6911%5.575.57%
MED4430.310.07%0.020.32116.61113.668.984.837.387.38138.156.4199.286.042.793.7761.1760.991.9597.070.690.69%6.356.35%
MAX1,192147.1214.08%0.070.48162.36141.9310.4423.711.6811.68178.097.62131.7514.727.4212.173,4553,25018.8499.512.422.42%9.789.78%
MIN303-3.01-0.67%0.010.2296.5190.847.210.60.340.3427.174.8766.72.320.542.7634.9336.810.9675.470.170.17%0.330.33%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum