Siddhartha Premier Insurance Limited

Non Life InsuranceHigh Cap

NPR 705.00

NPR +8+1.15%

09:14 AM NPT · Jun 26, 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

704.00

High

706.00

Low

700.00

Prev Close

697.00

Volume

2,552

Turnover

Rs 1,791,950

Txns

Valuation · Q3 FY25/26

EPS Ann.

1.91

EPS TTM

10.68

BVPS

250.04

P/E Ann.

369.11

P/E TTM

66.01

Graham #

103.66

Capital

Mkt Cap

19.79 Arab

Total

2.81 Crore

Public

1.38 Crore

Promoter

1.43 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

25.42

ADX

26.13

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

724.95

SMA 50

716.29

Bands & Channels

BB Width %

7.16%

Volume & Flow

OBV

3,736,634

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

14,003

Shares Bought

Total Sell

14,003

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

4,415

Amount

3,097,165

Avg Rate

701.51

Rank

#12

Brokers

#53#49#35

Distributors

Quantity

3,489

Amount

2,443,814

Avg Rate

700.43

Rank

#12

Brokers

#34#32#17

Net Flow Impact:

+926units

(Rs. 653,351)

Net Flow by Timeframe

SPIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 23,171 ]

Buy Side

Total: 11,421

Broker

QTY

AVG

NET

1,752

704.09

+1,752

12.5%

1,512

703.28

+1,387

10.8%

1,151

695.25

+1,139

8.2%

1,121

712.08

+1,121

8.0%

1,000

700.00

+973

7.1%

990

697.31

+942

7.1%

823

701.57

+796

5.9%

513

709.96

+347

3.7%

492

693.00

+492

3.5%

448

706.63

+98

3.2%

360

693.70

+333

2.6%

350

694.00

+337

2.5%

321

711.00

+21

2.3%

298

701.69

+288

2.1%

290

717.27

+290

2.1%

Sell Side

Total: 11,750

Broker

QTY

AVG

NET

1,456

698.09

-1,440

10.4%

1,163

696.16

-1,027

8.3%

1,148

712.09

-722

8.2%

1,133

697.63

-613

8.1%

1,000

693.89

-776

7.1%

915

704.05

-675

6.5%

870

710.06

-870

6.2%

679

702.84

-679

4.8%

594

712.67

-594

4.2%

554

696.69

-477

4.0%

527

712.64

-527

3.8%

500

704.54

-500

3.6%

474

700.00

-474

3.4%

427

717.07

-384

3.0%

310

699.42

-310

2.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	13,243	14,230	12,738	0	-6.93%
Property and Equipment	803,384	843,896	815,035	0	-4.80%
Investment Properties	352,162	309,394	203,139	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	7,999,806	8,878,791	8,567,732	0	-9.90%
Loans	31,055	26,922	29,881	0	+15.35%
Reinsurance Assets	8,466,398	5,097,672	3,343,796	0	+66.08%
Current Tax Assets	220,128	151,802	86,658	0	+45.01%
Insurance Receivables	352,481	581,641	232,387	0	-39.40%
Other Financial Assets	660,833	632,737	627,454	0	+4.44%
Other Assets	2,324,824	504,312	107,435	0	+360.99%
Cash and Cash Equivalent	132,706	98,047	110,435	0	+35.35%
Total Assets	21,357,020	17,139,444	14,136,690	0	+24.61%
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	231,868	210,922	167,490	0	+9.93%
Retained Earnings	332,788	684,860	710,291	0	-51.41%
Other Equity	3,646,265	3,698,686	3,460,412	0	-1.42%
Total Equity	7,017,948	7,401,494	7,145,218	0	-5.18%
Liabilities
Insurance & Contract Liabilities
Provisions	351,645	341,355	244,597	0	+3.01%
Gross Insurance Contract Liabilities	11,159,960	7,472,284	5,350,828	0	+49.35%
Insurance Payable	1,842,830	617,596	460,387	0	+198.39%
Other Financial Liabilities	178,732	521,023	267,609	0	-65.70%
Other Liabilities	488,752	508,867	385,460	0	-3.95%
Taxes & Funding
Deferred Tax Liabilities	317,154	276,826	282,591	0	+14.57%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	14,339,073	9,737,950	6,991,473	0	+47.25%
Total Equity and Liabilities	21,357,020	17,139,444	14,136,690	0	+24.61%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q3

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	538	0	0%	0.01	0.24	205.28	82.75	25.3	1.3	5.9	12.42	77.34	239.51	2.53	82.49	25.56	5.71	3.4	88.64	45.49	24.47	9.01	48.55	1.39	2.92%	2.89	6.1%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	439.9	+1.01	+0.23%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	70.23	116.65	3.18	100.23	30.09	0.02	3.23	22,150	139.18	28.29	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	516.5	-2.49	-0.48%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	78.51	191.23	3.02	74.12	29.45	9.75	3.93	90.29	58.83	22.45	15.68	52.66	1.89	3.28%	3.56	6.14%
NIL	620	+4	+0.65%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	64.86	247.83	2.16	73.58	27.74	9.73	3.9	81.12	52.66	36.01	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	594.9	-4.98	-0.83%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	67.77	100.71	4.03	103.55	37.92	2.66	5.05	360.98	237.87	36.01	17.12	26.17	0.47	0.74%	1.07	1.67%
NMIC	973	+5.8	+0.6%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	680.1	-7.91	-1.15%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	57.22	248.72	5.9	30.1	35.95	28.41	4.42	41.86	53.58	37.14	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,645	+216.43	+1.5%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	47.81	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	127.2	8.17	74.76	17.04	1.55	1.28%	2.24	1.87%
SALICO	612.5	+17.49	+2.94%	0.02	0.18	233.64	89.86	23.94	1.43	6.77	10.85	-	238.82	3.1	85.75	28.05	6.4	3.46	89.66	59.45	-	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	473	+1.7	+0.36%	0.01	0.13	153.04	71.52	51.92	1.7	3.19	7.82	56.24	164.1	2.36	80.18	43.26	5.67	4.3	154.83	64.07	40.71	15.65	27.09	0.75	1.85%	2.12	5.2%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	618	+2.89	+0.47%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	70.21	151.21	3.23	86.99	33.51	3.62	4.46	209.24	122.5	31.25	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
UAIL	456	-4	-0.87%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	87.54	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	362.12	22.41	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,763.91	19.16	0.29%	0.02	0.165	710.62	85.79	37.89	1.16	16.31	16.91	70.54	505.31	3.11	82.39	41.29	10.94	4.9	1,960.11	135.241	26.27	27.868	40.38	1.4	1.88%	2.76	3.91%
MED	603.7	1.35	0.3%	0.01	0.18	186.16	85.51	30.59	1.17	5.05	8.7	70.21	177.67	3.06	84.12	32.47	6.06	3.915	98.96	93.285	28.29	14.85	43.34	1.39	1.83%	2.8	4.02%
MAX	14,645	216.43	2.94%	0.04	0.24	6,524.1	114.99	105.37	1.7	144.49	120.36	98.24	4,203.32	5.9	119.43	92.28	39.07	15.9	22,150	362.12	40.71	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	439.9	-7.91	-1.15%	0.01	0.04	100.17	36.47	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	30.1	25.56	-5.52	3.18	-116.1	45.49	2.1	9.01	17.04	-1.2	0.39%	-2.32	0.76%