Siddhartha Premier Insurance Limited

Non Life InsuranceHigh Cap

NPR 714.00

NPR -2-0.28%

09:14 AM NPT · May 13, 2026

Est. 2079-11-15 B.S. (formed through the merger of Siddhartha Insurance Ltd. and Premier Insurance Company Nepal Ltd.) · Head Office: Hattisar, Kathmandu, Nepal · CEO: Birendra Bahadur Baidawar Chhetry

Siddhartha Premier Insurance Limited is one of Nepal’s major non-life insurance companies. It was created in March 2023 through the merger of Siddhartha Insurance Limited and Premier Insurance Company (Nepal) Limited, combining their legacy operations into a unified provider under the name SPIL. Since then, SPIL has sought to provide a broad spectrum of general-insurance products tailored to Nepali customers from motor-vehicle insurance and property coverage to cargo, marine, engineering, travel, medical and specialized risk products. SPIL positions itself as a modern, customer-oriented insurer, offering digital services under “SPIL-DIGI,” which includes online policy purchase, digital claim submission and tracking, and real-time claim settlements an attempt to streamline insurance accessibility across Nepal. The company maintains branch and service networks across the country, serving individuals, businesses, and institutional clients. In Nepal’s insurance-market context, SPIL stands out for its size and public-market participation. According to recent stock-market data, SPIL has 28,065,499 shares outstanding, with a paid-up capital of NPR 2,806,549,900. The company is consistently active in Nepal’s non-life insurance sector, offering a wide-ranging portfolio and adapting to modern digital insurance trends which underlines its role as a major player in providing risk-mitigation, asset protection, and commercial insurance services to Nepali clients.

siddharthapremier.com.np/

Trading

Open

716.00

High

716.00

Low

695.30

Prev Close

716.00

Volume

5,837

Turnover

Rs 4,154,851.5

Txns

Valuation · Q2 FY25/26

EPS Ann.

-12.72

EPS TTM

11.03

BVPS

241.32

P/E Ann.

-56.13

P/E TTM

64.73

Graham #

N/A

Capital

Mkt Cap

20.04 Arab

Total

2.81 Crore

Public

1.38 Crore

Promoter

1.43 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

47.11

ADX

47.2

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

712.07

SMA 50

721.56

Bands & Channels

BB Width %

6.85%

Volume & Flow

OBV

3,752,542

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

23,015

Shares Bought

Total Sell

23,015

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

Quantity

12,742

Amount

9,073,524

Avg Rate

712.10

Rank

Brokers

#65#48

Distributors

Quantity

10,950

Amount

7,755,046

Avg Rate

708.22

Rank

Brokers

#45#32#49#51

Net Flow Impact:

+1,792units

(Rs. 1,318,478)

Net Flow by Timeframe

SPIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 40,145 ]

Buy Side

Total: 20,395

Broker

QTY

AVG

NET

7,242

713.37

+7,215

31.5%

5,500

710.42

+4,851

23.9%

3,000

703.28

+3,000

13.0%

2,107

706.89

+2,052

9.2%

912

704.61

+847

4.0%

603

713.70

+535

2.6%

220

707.10

+220

1.0%

207

707.95

+180

0.9%

163

705.00

+145

0.7%

160

701.43

+114

0.7%

100

703.00

+100

0.4%

100

702.76

+100

0.4%

695.09

+36

0.2%

706.00

+25

0.1%

712.00

+16

0.1%

Sell Side

Total: 19,750

Broker

QTY

AVG

NET

4,367

705.44

-4,327

19.0%

2,583

712.41

-2,583

11.2%

2,500

706.68

-2,448

10.9%

1,624

712.33

-1,149

7.1%

1,500

711.67

-1,473

6.5%

1,217

715.96

-1,207

5.3%

1,070

704.93

-151

4.7%

882

705.86

-812

3.8%

862

710.58

-851

3.8%

859

708.17

-395

3.7%

600

715.00

-547

2.6%

599

715.60

-599

2.6%

402

699.91

-232

1.8%

361

712.26

-351

1.6%

324

709.21

-324

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	13,839,143	13,817,634	2,010,568	0	+0.16%
Property and Equipment	806,479,762	849,885,217	402,818,512	72,280,000	-5.11%
Investment Properties	352,161,559	309,393,869	52,191,125	0	+13.82%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	7,937,888,043	9,651,643,602	9,413,311,471	415,631,000	-17.76%
Loans	33,869,846	29,026,781	22,475,913	0	+16.68%
Reinsurance Assets	8,743,104,632	5,700,508,129	3,321,544,455	0	+53.37%
Current Tax Assets	289,500,855	138,577,394	177,591,865	0	+108.91%
Insurance Receivables	390,921,575	439,369,075	2,310,087,841	0	-11.03%
Other Financial Assets	658,527,532	596,992,784	339,134,786	0	+10.31%
Other Assets	2,010,640,608	416,157,107	162,130,291	3,799,133,000	+383.14%
Cash and Cash Equivalent	89,992,158	86,507,441	115,878,286	96,356,000	+4.03%
Total Assets	21,326,925,712	18,231,879,033	16,319,175,113	4,383,400,000	+16.98%
Equity
Share Capital	2,806,549,900	2,806,549,900	2,806,549,900	1,402,630,000	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0.00	-
Share Premium	475,935	475,935	475,935	0	0.00%
Catastrophe Reserves	2,727,854,842	2,699,492,136	175,953,977	68,089,000	+1.05%
Retained Earnings	118,516,293	1,311,936,797	3,268,848,052	300,814,000	-90.97%
Other Equity	1,119,979,317	1,245,861,084	1,167,454,206	1,093,024,000	-10.10%
Total Equity	6,773,376,287	8,064,315,851	7,419,282,071	2,864,557,000	-16.01%
Liabilities
Insurance & Contract Liabilities
Provisions	343,702,960	274,387,256	390,233,021	1,171,164,000	+25.26%
Gross Insurance Contract Liabilities	11,522,056,483	8,129,937,821	5,427,224,354	0	+41.72%
Insurance Payable	1,645,517,427	543,213,059	2,110,074,037	0	+202.92%
Other Financial Liabilities	172,364,370	395,149,891	322,790,724	0	-56.38%
Other Liabilities	563,846,992	527,001,531	333,714,963	347,679,000	+6.99%
Taxes & Funding
Deferred Tax Liabilities	306,061,193	297,873,624	315,855,942	0	+2.75%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0.00	-
Total Liabilities	14,553,549,425	10,167,563,182	8,899,893,042	1,518,843,000	+43.14%
Total Equity and Liabilities	21,326,925,712	18,231,879,033	16,319,175,113	4,383,400,000	+16.98%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	529.7	+0.69	+0.13%	0.01	0.24	209.67	-	1.26	15.53	270.67	-	0%	-	1.14%	4.81	400	0	392.86	31.87	18.39	0.26%	3.41%	0.6%	7.49%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	425	-1.79	-0.42%	0.01	0.14	176.25	-	-11.96	1.34	72.9	-	0%	-	-19.8%	4.75	-35.03	0	-35.09	313.21	27.77	-2.74%	0.3%	-6.5%	0.73%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	492.5	-0.49	-0.1%	0.01	0.19	166.91	-	0.39	9.24	186.28	-	0%	-	0.69%	5.97	1,277.18	0	1,256.41	53.03	35.72	0.12%	3.2%	0.24%	6.03%
NIL	610	+4.9	+0.81%	0.02	0.17	229.19	-	0.8	15.07	278.77	-	0%	-	1.06%	5.39	772.5	0	753.75	40.01	32.92	0.18%	3.39%	0.36%	6.84%
NLG	575	-2.89	-0.5%	0.02	0.18	163.55	-	0.86	3.81	118.41	-	0%	-	1.41%	8.31	790.58	0	779.42	175.93	44.58	0.24%	1.1%	0.6%	2.65%
NMIC	1,016	-12.03	-1.17%	0.01	0.14	101.65	-	3.61	1.99	67.46	-	0%	-	21.06%	24.4	343.49	0.09	362.88	658.29	289.04	3.02%	1.67%	4.18%	2.31%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	653.8	+5.83	+0.9%	0.01	0.14	202.27	-	14.85	12.88	242.11	-	0%	-	25.88%	12.78	43.5	0	47.35	54.6	180.2	3.56%	3.12%	7.52%	6.54%
RBCL	15,031	-469.67	-3.03%	0.04	0.04	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	4.6	111.69	0	112.82	154.89	145.67	1.42%	1.04%	2.08%	1.51%
SALICO	589	-2.01	-0.34%	0.02	0.19	227.43	-	2.85	14.29	270.42	-	0%	-	2.33%	5.28	210.53	0	208.42	41.57	19.7	0.44%	2.23%	1.2%	6.04%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	462	-0.09	-0.02%	0.01	0.1	145.61	-	-8.92	6.18	142.29	-	0%	-	-18.98%	6.62	-54.02	0	-52.35	75.57	41.01	-1.98%	1.37%	-6.2%	4.29%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	616	+0.98	+0.16%	0.02	0	196.64	-	-3.06	5.15	150.95	-	0%	-	-3,634.59%	6.36	-204.41	0	-201.96	120	31,275	-0.58%	1%	-1.56%	2.64%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
UAIL	441	+1.01	+0.23%	0.01	0.21	171.7	-	-9.23	1.74	81.99	-	0%	-	-13.63%	5.22	-48.59	0	-49.47	262.41	26.5	-2.86%	0.53%	-5.48%	1.03%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,786.75	-39.63	-0.28%	0.02	0.145	704.34	-	10.37	15.34	469.53	-	0%	-	-300.07%	7.874	300.618	0.008	297.92	165.115	2,678.042	0.09%	1.86%	-0.25%	4.01%
MED	582	-0.29	-0.06%	0.01	0.155	186.45	-	0.83	7.71	168.62	-	0%	-	1.1%	5.68	161.11	0	160.62	97.785	38.365	0.21%	1.52%	0.48%	3.47%
MAX	15,031	5.83	0.9%	0.04	0.24	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	24.4	1,277.18	0.09	1,256.41	658.29	31,275	3.56%	3.41%	7.52%	7.49%
MIN	425	-469.67	-3.03%	0.01	0	101.65	-	-11.96	1.34	67.46	-	0%	-	-3,634.59%	4.6	-204.41	0	-201.96	31.87	18.39	-2.86%	0.3%	-6.5%	0.73%