Siddhartha Premier Insurance Limited

Non Life InsuranceHigh Cap

NPR 607.00

NPR +3.1+0.51%

09:14 AM NPT · Nov 6, 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

591.00

High

610.00

Low

591.00

Prev Close

603.90

Volume

3,960

Turnover

Rs 2,384,101.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

11.65

EPS TTM

11.65

BVPS

260.26

P/E Ann.

52.10

P/E TTM

52.10

Graham #

261.19

Capital

Mkt Cap

17.04 Arab

Total

2.81 Crore

Public

1.38 Crore

Promoter

1.43 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

46.79

ADX

26.92

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

608.66

SMA 50

619.73

Bands & Channels

BB Width %

4.73%

Volume & Flow

OBV

3,661,291

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

30,646

Shares Bought

Total Sell

30,646

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

12,363

Amount

7,434,021

Avg Rate

601.31

Rank

Brokers

#40#58#52#57

Distributors

Quantity

14,326

Amount

8,591,103

Avg Rate

599.69

Rank

Brokers

#4#45

Net Flow Impact:

-1,963units

(Rs. -1,157,083)

Net Flow by Timeframe

SPIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 50,766 ]

Buy Side

Total: 23,082

Broker

QTY

AVG

NET

5,988

600.00

+5,988

19.5%

2,617

606.38

+1,577

8.5%

2,468

601.74

+2,467

8.1%

2,110

600.47

+2,110

6.9%

1,797

606.08

+1,785

5.9%

1,675

598.73

+1,560

5.5%

1,235

598.01

+1,115

4.0%

1,060

603.04

+1,060

3.5%

817

601.99

+817

2.7%

675

600.79

+283

2.2%

654

600.74

+171

2.1%

586

600.02

+580

1.9%

500

606.68

+500

1.6%

450

596.04

+444

1.5%

450

609.13

+432

1.5%

Sell Side

Total: 27,684

Broker

QTY

AVG

NET

7,905

599.26

-7,625

25.8%

6,421

600.21

-5,984

20.9%

6,126

603.64

-5,791

20.0%

1,514

603.99

-864

4.9%

1,191

600.31

-34

3.9%

1,000

606.79

-635

3.3%

830

612.24

-430

2.7%

644

599.55

-44

2.1%

600

595.71

-600

2.0%

101

374

599.29

-374

1.2%

358

601.84

-293

1.2%

211

600.86

-112

0.7%

210

597.43

-120

0.7%

150

591.50

-150

0.5%

150

600.00

-150

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	12,805	13,564	12,705	0	-5.59%
Property and Equipment	757,681	811,819	817,503	0	-6.67%
Investment Properties	409,518	352,162	203,139	0	+16.29%
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	8,036,588	9,002,240	9,298,420	0	-10.73%
Loans	20,505	29,461	32,912	0	-30.40%
Reinsurance Assets	7,410,347	3,742,994	2,977,831	0	+97.98%
Current Tax Assets	117,852	152,082	29,370	0	-22.51%
Insurance Receivables	334,640	402,764	341,585	0	-16.91%
Other Financial Assets	791,635	655,901	715,436	0	+20.69%
Other Assets	2,350,049	316,643	60,341	0	+642.18%
Cash and Cash Equivalent	73,310	18,026	93,696	0	+306.69%
Total Assets	20,314,930	15,497,657	14,582,937	0	+31.08%
Equity
Share Capital	2,806,550	2,806,550	2,806,550	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	475.94	475.94	475.94	0	0.00%
Catastrophe Reserves	256,934	224,365	189,143	0	+14.52%
Retained Earnings	548,279	955,089	1,117,370	0	-42.59%
Other Equity	1,192,217	3,719,219	3,562,282	0	-67.94%
Total Equity	7,304,456	7,705,699	7,675,820	0	-5.21%
Liabilities
Insurance & Contract Liabilities
Provisions	426,301	328,973	251,712	0	+29.59%
Gross Insurance Contract Liabilities	9,662,505	5,752,084	4,960,443	0	+67.98%
Insurance Payable	1,935,813	606,640	668,631	0	+219.10%
Other Financial Liabilities	260,194	278,736	315,759	0	-6.65%
Other Liabilities	444,654	515,294	437,366	0	-13.71%
Taxes & Funding
Deferred Tax Liabilities	281,007	310,230	273,205	0	-9.42%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	13,010,474	7,791,958	6,907,117	0	+66.97%
Total Equity and Liabilities	20,314,930	15,497,657	14,582,937	0	+31.08%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	Combined Expense Ratio	Commission Income Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	First Policy	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	444.3	+0.89	+0.2%	0.01	0.28	213.94	66.69	27.07	1.01	13.51	13.51	79.16	255.01	3.29	69.35	24.41	11.16	2.43	38.49	35.75	26.41	4.3	45.76	3.18	3.18%	6.37	6.37%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	389.2	-4.29	-1.09%	0.01	0.18	179.53	91.69	40.8	1.65	0.13	0.13	72.18	22.92	4.14	100.81	31.68	0.17	2.5	3,453.85	3,138.46	29.76	6.04	33.11	0.03	0.03%	0.07	0.07%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	435.6	-3.38	-0.77%	0.01	0.22	176.85	84.49	19.84	0.7	5	5	78.8	141.05	3.77	76.74	27.59	8.19	2.9	102.58	93.38	21.95	8.39	51.86	1.79	1.79%	3.08	3.08%
NIL	517.1	-2.39	-0.46%	0.01	0.22	226.33	75.01	18.22	0.94	10.4	10.4	66.61	230.13	2.98	66.7	26.53	11.3	2.7	58.65	51.49	34.99	6.63	58.82	2.49	2.49%	4.63	4.63%
NLG	495	+2.02	+0.41%	0.01	0.21	166.36	86.02	36.64	1.04	2.17	2.17	68.57	90.13	5.27	91.42	31.24	3.14	3.35	257.14	244.24	35.35	8.11	28.8	0.64	0.64%	1.28	1.28%
NMIC	775	-4.99	-0.64%	0.01	0.23	106.36	73.15	30.81	0.49	5.68	5.68	98.27	116.59	4.97	45.97	57.99	16.53	8.37	156.67	148.77	2,035.6	25.91	41.8	3.87	3.87%	5.51	5.51%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	585.9	+0.88	+0.15%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
RBCL	14,200	+469.58	+3.42%	0.04	0.04	6,407.05	70.88	96.13	0.45	129.18	129.18	52.63	4,315.37	2.52	76.41	90.6	37.76	2.32	115.18	105.86	9.59	43.5	15.63	1.4	1.4%	2	2%
SALICO	523	+3.48	+0.67%	0.01	0.23	232.72	81.06	23.27	1.06	11.94	11.94	53.84	250.04	3.98	79.83	24.5	9.62	2.6	50.67	45.64	81.07	4.88	49.14	2.25	2.25%	5.06	5.06%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	387.4	+0.31	+0.08%	0.01	0.17	147.33	64.76	54.71	1.65	5.76	5.76	57.52	138.18	3.01	78.87	40.6	9.09	3.18	81.42	69.24	41.03	7.4	30.52	1.52	1.52%	3.94	3.94%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	532.6	-1.39	-0.26%	0.02	0.2	191.95	75.26	38.7	1.56	4.19	4.19	70.32	134.52	3.91	81.27	32.69	4.4	3.2	146.78	137.92	32.17	6.45	31.47	0.89	0.89%	2.21	2.21%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
UAIL	361.5	+0.51	+0.14%	0.01	0.22	188.01	79.81	24.68	1.08	2.73	2.73	88.01	107.46	2.63	72.74	31.75	3.49	2.3	158.61	139.93	16.79	5.54	44.37	0.76	0.76%	1.49	1.49%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,637.22	38.44	0.15%	0.01	0.195	702.45	74.17	36.72	1.06	17	17	70.42	503.5	3.91	72.92	37.97	11.6	3.276	389.18	354.659	200.21	11.614	39.25	1.85	1.85%	3.56	3.56%
MED	506.05	0.41	0.11%	0.01	0.215	189.98	75.14	30.27	1.05	5.72	5.72	69.45	139.62	3.84	76.57	31.72	9.36	2.8	108.88	99.62	33.58	7.015	40.77	1.66	1.66%	3.51	3.51%
MAX	14,200	469.58	3.42%	0.04	0.28	6,407.05	91.69	96.13	1.65	129.18	129.18	98.27	4,315.37	6.45	100.81	90.6	37.76	8.37	3,453.85	3,138.46	2,035.6	43.5	58.82	3.87	3.87%	7.08	7.08%
MIN	361.5	-4.99	-1.09%	0.01	0.04	106.36	41.17	18.22	0.45	0.13	0.13	52.63	22.92	2.52	34.87	24.41	0.17	2.3	38.49	35.75	9.59	4.3	15.63	0.03	0.03%	0.07	0.07%