Siddhartha Premier Insurance Limited

Non Life InsuranceHigh Cap

NPR 683.10

NPR -2.4-0.35%

09:14 AM NPT · Aug 11, 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

674.00

High

695.00

Low

674.00

Prev Close

685.50

Volume

7,935

Turnover

Rs 5,457,675.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

1.91

EPS TTM

10.68

BVPS

250.04

P/E Ann.

357.64

P/E TTM

63.96

Graham #

103.66

Capital

Mkt Cap

19.17 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

Moderate

Momentum

RSI (14)

28.93

ADX

24.1

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

705.17

SMA 50

708.09

Bands & Channels

BB Width %

8.44%

Volume & Flow

OBV

3,716,240

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

17,818

Shares Bought

Total Sell

17,818

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

12,872

Amount

8,852,723

Avg Rate

687.75

Rank

Brokers

#48#67#58

Distributors

Quantity

12,453

Amount

8,557,666

Avg Rate

687.20

Rank

Brokers

#82#17#34

Net Flow Impact:

+419units

(Rs. 295,057)

Net Flow by Timeframe

SPIL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 33,572 ]

Buy Side

Total: 16,743

Broker

QTY

AVG

NET

6,800

688.64

+6,684

38.2%

3,072

687.04

+2,764

17.2%

3,000

686.47

+3,000

16.8%

1,112

682.41

+1,112

6.2%

617

684.68

+617

3.5%

500

686.51

+438

2.8%

346

686.96

+309

1.9%

298

684.71

+288

1.7%

200

686.15

+199

1.1%

195

683.22

+195

1.1%

150

685.00

+150

0.8%

127

685.19

+32

0.7%

126

680.00

+126

0.7%

100

683.37

+100

0.6%

100

685.00

+100

0.6%

Sell Side

Total: 16,829

Broker

QTY

AVG

NET

7,714

686.81

-7,714

43.3%

3,281

689.88

-3,281

18.4%

1,458

683.19

-1,417

8.2%

1,115

689.41

-1,065

6.3%

865

684.99

-715

4.8%

554

688.01

-554

3.1%

500

682.75

-500

2.8%

428

685.31

-228

2.4%

239

686.84

-228

1.3%

210

684.76

-43

1.2%

150

682.07

-140

0.8%

113

690.00

-86

0.6%

685.42

-68

0.4%

685.20

-23

0.4%

685.02

-57

0.3%

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	534.7	+3.72	+0.7%	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	427.2	-0.81	-0.19%	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	500.2	-6.69	-1.32%	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	606	-6	-0.98%	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	566	-1.99	-0.35%	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	906	+7.99	+0.89%	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	669.3	+1.27	+0.19%	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	14,108.1	-311.46	-2.16%	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	595	+6.01	+1.02%	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	453	+2.61	+0.58%	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	611.4	+1.22	+0.2%	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	434	+1.99	+0.46%	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	1,700.91	-25.18	-0.08%	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	580.5	1.24	0.2%	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	14,108.1	7.99	1.02%	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	427.2	-311.46	-2.16%	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%