NLG Insurance Company Ltd. (NLG) Share Price & Fundamentals
NLG Insurance (NLG) share price is Rs. 526.00, down 0.75% on 2026-09-22. Open Rs. 535.00. High Rs. 535.80. Low Rs. 520.10. Volume 7,222.
NLG Insurance Company Ltd. is a NEPSE-listed company (NLG), Non Life Insurance sector. Premium: Rs. 115.96 Crore. Net profit: Rs. 5.78 Crore. Net worth: Rs. 458.31 Crore.
About NLG Insurance Company Ltd.
NLG Insurance Company Limited is a non-life (general) insurer based in Lazimpat, Kathmandu, Nepal, and part of the National Life and General Insurance (NLGI) group originally incorporated in 1988. The general insurance business was separated into NLG in 2005 per Nepal Insurance Act requirements. Its lead reinsurer is Hannover Re; strategic stakeholders include National Life Insurance Company and Rastriya Banijya Bank.
NLG Insurance Company Ltd. (NLG) has 2,66,78,334 shares outstanding. It listed on NEPSE in 2013. Its most recent declared dividend was 3.37% on face value.
NLG key metrics
NLG strengths
What NLG Insurance Company Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Holds 4.25x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
- Premiums collected grew 18% on last year, so the insurer is writing more business. (Premium Growth & Scale)
- 52.3% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- Premiums written directly with customers grew 37.6% on last year. (Premium Growth & Scale)
- The company grew 31.8% bigger over the year. (Shareholder Returns)
- Sets aside 14.2% more than its best estimate of claims, a cautious cushion. (Liability Strength)
- The number of policies issued grew 11.3% on last year. (Premium Growth & Scale)
NLG weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Claims and costs together are 142.3% of premiums. Above 100% means it loses money on insurance and relies on investments. (Underwriting Performance)
- 91.4% of premiums go out as claims, so there is little margin on what it sells. (Underwriting Performance)
- Earns only 3.3% a year on shareholders' money, below what owners would hope for. (Profitability)
- Each share earned only Rs 2.17 of profit over the year. (Shareholder Returns)
- Running costs take 50.9% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
- Earns only 4.2% on the money it holds, so those funds are underused. (Investment Performance)
- Only 31.7% of customers renew, so it loses much of the business it wins. (Claims & Reserving)
- Keeps only 11.7% of premiums written, so most income goes to reinsurers. (Underwriting Performance)
- Passes most risk on, keeping only 28.8%, so much of the premium goes elsewhere. (Claims & Reserving)
- Has only 29.7% set aside against reported claims, which is light cover. (Claims & Reserving)
- Only 3.1% of income becomes profit once costs are paid. (Profitability)
- Holds only 18.7% against cover that has not yet run out, a thin buffer. (Liability Strength)
- Only 8.8% of income comes from investments, so it depends on premiums alone. (Investment Performance)
- Earns only 1.8% a year on everything it owns, so its money is not working hard. (Profitability)
- Only 38% is set aside to meet the policies it has written, which is light. (Liability Strength)
NLG Q4 2082/83 results
In Q4 2082/83 NLG Insurance Company Ltd. reported profit of Rs. 2.3 crore and net earned premiums of Rs. 44.51 crore. Profit in Q3 2082/83 was Rs. 2.38 crore. Profit fell 3.21% on the previous quarter. Net earned premiums grew 69.48% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.78 crore. Profit fell 39.21% on the same quarter last year. Net earned premiums grew 62.77% on the same quarter last year.
NLG annual results 2082/83
For the financial year 2082/83 NLG Insurance Company Ltd. reported net profit of Rs. 5.78 crore, net earned premiums of Rs. 115.96 crore and net worth of Rs. 458.31 crore. Net profit in 2081/82 was Rs. 15.34 crore. Net profit fell 62.31% on the year. Net earned premiums grew 17.99% on the year.
NLG profit and loss for 2082/83
In the financial year 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 115.96 crore, other income of Rs. 61.64 crore, total income of Rs. 183.6 crore, net claims incurred of Rs. 106.02 crore, other expenses of Rs. 64.72 crore, total expenses of Rs. 176.49 crore, profit before tax of Rs. 7.11 crore and net profit for the year of Rs. 5.78 crore.
Reported under net earned premiums: gross earned premiums of Rs. 402.57 crore and premiums ceded of Rs. 286.6 crore. Reported under other income: commission income of Rs. 42.49 crore, other direct income of Rs. 2.98 crore and income from investments & loans of Rs. 16.17 crore. Reported under net claims incurred: gross claims paid of Rs. 333.69 crore, claims ceded of Rs. 232.3 crore, gross change in contract liabilities of Rs. 313.71 crore and change in contract liabilities ceded to reinsurers of Rs. 309.08 crore. Reported under other expenses: commission expenses of Rs. 10.6 crore, service fees of Rs. 0.92 crore, other direct expenses of Rs. 0.17 crore, employee benefits expenses of Rs. 35.31 crore, depreciation and amortization expenses of Rs. 3.72 crore, other operating expenses of Rs. 13.14 crore and finance cost of Rs. 0.86 crore. Reported under net profit for the year: income tax expense of Rs. 1.33 crore.
NLG profit and loss for 2081/82
In the financial year 2081/82, NLG Insurance Company Ltd. reported net earned premiums of Rs. 98.28 crore, other income of Rs. 66.23 crore, total income of Rs. 164.52 crore, net claims incurred of Rs. 67.1 crore, other expenses of Rs. 71.42 crore, total expenses of Rs. 138.52 crore, profit before tax of Rs. 26 crore and net profit for the year of Rs. 15.34 crore.
Reported under net earned premiums: gross earned premiums of Rs. 288.64 crore and premiums ceded of Rs. 190.36 crore. Reported under other income: commission income of Rs. 42.79 crore, other direct income of Rs. 2.38 crore, income from investments & loans of Rs. 16.52 crore and other income of Rs. 4.54 crore. Reported under net claims incurred: gross claims paid of Rs. 242.59 crore, claims ceded of Rs. 179.65 crore, gross change in contract liabilities of Rs. 16.97 crore and change in contract liabilities ceded to reinsurers of Rs. 12.81 crore. Reported under other expenses: commission expenses of Rs. 9.1 crore, service fees of Rs. 0.74 crore, other direct expenses of Rs. 1.58 crore, employee benefits expenses of Rs. 34.94 crore, depreciation and amortization expenses of Rs. 3.68 crore, impairment losses of Rs. 4.64 crore, other operating expenses of Rs. 15.88 crore and finance cost of Rs. 0.86 crore. Reported under net profit for the year: income tax expense of Rs. 10.66 crore.
NLG profit and loss for 2080/81
In the financial year 2080/81, NLG Insurance Company Ltd. reported net earned premiums of Rs. 64.06 crore, other income of Rs. 63.06 crore, total income of Rs. 127.11 crore, net claims incurred of Rs. 44.41 crore, other expenses of Rs. 60.11 crore, total expenses of Rs. 104.52 crore, profit before tax of Rs. 22.59 crore and net profit for the year of Rs. 14.7 crore.
Reported under net earned premiums: gross earned premiums of Rs. 246.45 crore and premiums ceded of Rs. 182.39 crore. Reported under other income: commission income of Rs. 32.99 crore, other direct income of Rs. 4.08 crore, income from investments & loans of Rs. 21.96 crore and other income of Rs. 4.02 crore. Reported under net claims incurred: gross claims paid of Rs. 164.26 crore, claims ceded of Rs. 121.44 crore, gross change in contract liabilities of Rs. 59.93 crore and change in contract liabilities ceded to reinsurers of Rs. 58.34 crore. Reported under other expenses: commission expenses of Rs. 6.91 crore, service fees of Rs. 0.55 crore, other direct expenses of Rs. 1.21 crore, employee benefits expenses of Rs. 28.16 crore, depreciation and amortization expenses of Rs. 4.39 crore, impairment losses of Rs. 4.54 crore, other operating expenses of Rs. 13.14 crore and finance cost of Rs. 1.21 crore. Reported under net profit for the year: income tax expense of Rs. 7.89 crore.
NLG balance sheet for 2081/82
In the financial year 2081/82, NLG Insurance Company Ltd. reported total assets of Rs. 875.6 crore, total liabilities of Rs. 417.29 crore and total equity of Rs. 458.31 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.11 crore, property and equipment of Rs. 11.28 crore, deferred tax assets of Rs. 5.98 crore, investments of Rs. 397.79 crore, loans of Rs. 2.94 crore, reinsurance assets of Rs. 256.81 crore, current tax assets of Rs. 11.81 crore, insurance receivables of Rs. 95.02 crore, other assets of Rs. 33.92 crore, other financial assets of Rs. 14.95 crore and cash and cash equivalent of Rs. 45 crore. Reported under total liabilities: provisions of Rs. 12.24 crore, gross insurance contract liabilities of Rs. 332.58 crore, insurance payables of Rs. 8.96 crore, other liabilities of Rs. 5.14 crore and other financial liabilities of Rs. 58.37 crore. Reported under total equity: share capital of Rs. 256.52 crore, share premium of Rs. 27.19 crore, special reserves of Rs. 139.13 crore, catastrophe reserves of Rs. 8.66 crore, retained earnings of Rs. 9.14 crore and other equity of Rs. 17.67 crore.
NLG balance sheet for 2080/81
In the financial year 2080/81, NLG Insurance Company Ltd. reported total assets of Rs. 664.52 crore, total liabilities of Rs. 348.48 crore and total equity of Rs. 316.04 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.09 crore, property and equipment of Rs. 6.9 crore, deferred tax assets of Rs. 8.23 crore, investments of Rs. 297.9 crore, loans of Rs. 1.6 crore, reinsurance assets of Rs. 213.62 crore, current tax assets of Rs. 13.98 crore, insurance receivables of Rs. 51.49 crore, other assets of Rs. 33.84 crore, other financial assets of Rs. 13.47 crore and cash and cash equivalent of Rs. 23.39 crore. Reported under total liabilities: provisions of Rs. 8.83 crore, gross insurance contract liabilities of Rs. 285.45 crore, insurance payables of Rs. 4.8 crore, other liabilities of Rs. 4.22 crore and other financial liabilities of Rs. 45.18 crore. Reported under total equity: share capital of Rs. 153.95 crore, share premium of Rs. 0 crore, special reserves of Rs. 130.21 crore, catastrophe reserves of Rs. 7.77 crore, retained earnings of Rs. 6.72 crore and other equity of Rs. 17.38 crore.
NLG balance sheet for 2079/80
In the financial year 2079/80, NLG Insurance Company Ltd. reported total assets of Rs. 583.76 crore, total liabilities of Rs. 285 crore and total equity of Rs. 298.76 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.11 crore, property and equipment of Rs. 9.79 crore, deferred tax assets of Rs. 6.65 crore, investments of Rs. 247.35 crore, loans of Rs. 2.12 crore, reinsurance assets of Rs. 153.15 crore, current tax assets of Rs. 16.64 crore, insurance receivables of Rs. 71.72 crore, other assets of Rs. 43.07 crore, other financial assets of Rs. 12.68 crore and cash and cash equivalent of Rs. 20.48 crore. Reported under total liabilities: provisions of Rs. 12.62 crore, gross insurance contract liabilities of Rs. 213.64 crore, insurance payables of Rs. 5.69 crore, other liabilities of Rs. 6.28 crore and other financial liabilities of Rs. 46.78 crore. Reported under total equity: share capital of Rs. 145.93 crore, share premium of Rs. 0 crore, special reserves of Rs. 124.37 crore, catastrophe reserves of Rs. 7.18 crore, retained earnings of Rs. 10.06 crore and other equity of Rs. 11.22 crore.
NLG cash flow for 2081/82
In the financial year 2081/82, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 23.39 crore, net cash flow from operating activities of Rs. 220.56 crore, net cash flow from investing activities of Rs. 198.62 crore, net cash flow from financing activities of Rs. 0.33 crore, net change in cash of Rs. 21.61 crore and closing cash & cash equivalents of Rs. 45 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 318.81 crore, reinsurance commission received of Rs. 0.17 crore, claim recovery received from reinsurers of Rs. 179.65 crore, other direct income received of Rs. 1.56 crore, gross benefits and claims paid of Rs. 242.59 crore, reinsurance premium paid of Rs. 4.16 crore, commission paid of Rs. 9.48 crore, service fees paid of Rs. 2.39 crore, employee benefits expenses paid of Rs. 31.94 crore, other expenses paid of Rs. 1.64 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 4.43 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.04 crore, acquisitions of property & equipment of Rs. 8.05 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 205.72 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 16.08 crore and dividend received of Rs. 0.44 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.33 crore.
NLG cash flow for 2080/81
In the financial year 2080/81, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 20.48 crore, net cash flow from operating activities of Rs. 224.48 crore, net cash flow from investing activities of Rs. 221.15 crore, net cash flow from financing activities of Rs. 0.42 crore, net change in cash of Rs. 2.91 crore and closing cash & cash equivalents of Rs. 23.39 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 258.33 crore, reinsurance commission received of Rs. 56.14 crore, claim recovery received from reinsurers of Rs. 121.44 crore, other direct income received of Rs. 8.43 crore, gross benefits and claims paid of Rs. 164.26 crore, reinsurance premium paid of Rs. 0.89 crore, commission paid of Rs. 7.61 crore, service fees paid of Rs. 1.94 crore, employee benefits expenses paid of Rs. 25.65 crore, other expenses paid of Rs. 20.58 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 1.07 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0 crore, acquisitions of property & equipment of Rs. 1.48 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 242.16 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 21.36 crore and dividend received of Rs. 0.61 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.42 crore.
NLG cash flow for 2079/80
In the financial year 2079/80, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 17.48 crore, net cash flow from operating activities of Rs. 181.3 crore, net cash flow from investing activities of Rs. 177.6 crore, net cash flow from financing activities of Rs. 0.7 crore, net change in cash of Rs. 3 crore and closing cash & cash equivalents of Rs. 20.48 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 240.61 crore, reinsurance commission received of Rs. 23.41 crore, claim recovery received from reinsurers of Rs. 164.68 crore, other direct income received of Rs. 3.52 crore, gross benefits and claims paid of Rs. 219.03 crore, reinsurance premium paid of Rs. 2.65 crore, commission paid of Rs. 7.35 crore, service fees paid of Rs. 1.98 crore, employee benefits expenses paid of Rs. 25.46 crore, other expenses paid of Rs. 5.96 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 1.33 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.05 crore, acquisitions of property & equipment of Rs. 11.01 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 187.58 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 20.39 crore and dividend received of Rs. 0.75 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.7 crore.
NLG quarterly for Q4 2082/83
In the quarter Q4 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 44.51 crore, other income of Rs. 8.55 crore, total income of Rs. 53.06 crore, net claims incurred of Rs. 32.02 crore, other expenses of Rs. 18.9 crore, total expenses of Rs. 50.92 crore, profit before tax of Rs. 2.14 crore and net profit for the year of Rs. 2.3 crore.
Reported under net earned premiums: gross earned premiums of Rs. 129.58 crore and premiums ceded of Rs. 85.07 crore. Reported under other income: commission income of Rs. 3.01 crore, other direct income of Rs. 1.75 crore and income from investments & loans of Rs. 3.79 crore. Reported under net claims incurred: gross claims paid of Rs. 130.78 crore, claims ceded of Rs. 96.42 crore, gross change in contract liabilities of Rs. 62.68 crore and change in contract liabilities ceded to reinsurers of Rs. 65.02 crore. Reported under other expenses: commission expenses of Rs. 4.56 crore, service fees of Rs. 0.31 crore, other direct expenses of Rs. 0.91 crore, employee benefits expenses of Rs. 8.82 crore, depreciation and amortization expenses of Rs. 0.7 crore, impairment losses of Rs. 0.98 crore, other operating expenses of Rs. 4.23 crore and finance cost of Rs. 0.22 crore. Reported under net profit for the year: income tax expense of Rs. 0.16 crore.
NLG quarterly for Q3 2082/83
In the quarter Q3 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 26.26 crore, other income of Rs. 26.04 crore, total income of Rs. 52.3 crore, net claims incurred of Rs. 24.6 crore, other expenses of Rs. 24.3 crore, total expenses of Rs. 48.91 crore, profit before tax of Rs. 3.4 crore and net profit for the year of Rs. 2.38 crore.
Reported under net earned premiums: gross earned premiums of Rs. 109.38 crore and premiums ceded of Rs. 83.12 crore. Reported under other income: commission income of Rs. 19.11 crore, other direct income of Rs. 0.46 crore, income from investments & loans of Rs. 3.86 crore and other income of Rs. 2.6 crore. Reported under net claims incurred: gross claims paid of Rs. 70.45 crore, claims ceded of Rs. 41.97 crore, gross change in contract liabilities of Rs. 74.85 crore and change in contract liabilities ceded to reinsurers of Rs. 70.97 crore. Reported under other expenses: commission expenses of Rs. 2.79 crore, service fees of Rs. 0.09 crore, other direct expenses of Rs. 0.97 crore, employee benefits expenses of Rs. 10.61 crore, depreciation and amortization expenses of Rs. 1.18 crore, impairment losses of Rs. 4.77 crore, other operating expenses of Rs. 3.67 crore and finance cost of Rs. 0.22 crore. Reported under net profit for the year: income tax expense of Rs. 1.02 crore.
NLG quarterly for Q2 2082/83
In the quarter Q2 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 27.62 crore, other income of Rs. 11.21 crore, total income of Rs. 38.83 crore, net claims incurred of Rs. 11.45 crore, other expenses of Rs. 10.94 crore, total expenses of Rs. 22.39 crore, profit before tax of Rs. 16.44 crore and net profit for the year of Rs. 11.21 crore.
Reported under net earned premiums: gross earned premiums of Rs. 81.39 crore and premiums ceded of Rs. 53.77 crore. Reported under other income: commission income of Rs. 9.36 crore, other direct income of Rs. 0.44 crore, income from investments & loans of Rs. 3.83 crore and other income of Rs. 2.41 crore. Reported under net claims incurred: gross claims paid of Rs. 68.23 crore, claims ceded of Rs. 48.25 crore, gross change in contract liabilities of Rs. 186.42 crore and change in contract liabilities ceded to reinsurers of Rs. 194.95 crore. Reported under other expenses: commission expenses of Rs. 1.04 crore, service fees of Rs. 0.24 crore, other direct expenses of Rs. 0.03 crore, employee benefits expenses of Rs. 6.04 crore, depreciation and amortization expenses of Rs. 0.67 crore, other operating expenses of Rs. 2.83 crore and finance cost of Rs. 0.1 crore. Reported under net profit for the year: income tax expense of Rs. 5.23 crore.
NLG quarterly for Q1 2082/83
In the quarter Q1 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 17.58 crore, other income of Rs. 21.83 crore, total income of Rs. 39.41 crore, net claims incurred of Rs. 37.94 crore, other expenses of Rs. 16.33 crore, total expenses of Rs. 54.27 crore, profit before tax of Rs. 14.86 crore and net profit for the year of Rs. 10.11 crore.
Reported under net earned premiums: gross earned premiums of Rs. 82.22 crore and premiums ceded of Rs. 64.64 crore. Reported under other income: commission income of Rs. 11.01 crore, other direct income of Rs. 0.33 crore, income from investments & loans of Rs. 4.69 crore and other income of Rs. 5.8 crore. Reported under net claims incurred: gross claims paid of Rs. 64.23 crore, claims ceded of Rs. 45.67 crore, gross change in contract liabilities of Rs. 139.46 crore and change in contract liabilities ceded to reinsurers of Rs. 120.07 crore. Reported under other expenses: commission expenses of Rs. 2.21 crore, service fees of Rs. 0.28 crore, other direct expenses of Rs. 0.08 crore, employee benefits expenses of Rs. 9.84 crore, depreciation and amortization expenses of Rs. 1.17 crore, other operating expenses of Rs. 2.41 crore and finance cost of Rs. 0.33 crore. Reported under net profit for the year: income tax expense of Rs. 4.76 crore.
NLG Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Earned Premiums | 116 | 98.3 | 64.1 | 73.8 | 66.9 | 66.5 |
|---|
| Gross Earned Premiums | 403 | 289 | 246 | 232 | 220 | 205 |
|---|
| Premiums Ceded | -287 | -190 | -182 | -159 | -153 | -139 |
|---|
| Other Income | 61.6 | 66.2 | 63.1 | 61.2 | 57.3 | 55.9 |
|---|
| Commission Income | 42.5 | 42.8 | 33.0 | 35.4 | 34.0 | 33.7 |
|---|
| Other Direct Income | 3.0 | 2.4 | 4.1 | 1.2 | 2.3 | 0.00 |
|---|
| Income from Investments & Loans | 16.2 | 16.5 | 22.0 | 21.1 | 19.9 | 19.4 |
|---|
| Other Income | Not reported | 4.5 | 4.0 | 3.4 | 1.1 | 2.9 |
|---|
| Total Income | 184 | 165 | 127 | 135 | 124 | 122 |
|---|
| Net Claims Incurred | -106 | -67.1 | -44.4 | -47.1 | -51.2 | -55.8 |
|---|
| Gross Claims Paid | -334 | -243 | -164 | -219 | -194 | -132 |
|---|
| Claims Ceded | 232 | 180 | 121 | 165 | 136 | 86.3 |
|---|
| Gross Change in Contract Liabilities | -314 | -17.0 | -59.9 | 44.1 | -12.7 | -40.4 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 309 | 12.8 | 58.3 | -36.8 | 19.6 | 30.1 |
|---|
| Other Expenses | -64.7 | -71.4 | -60.1 | -56.9 | -43.8 | -41.6 |
|---|
| Commission Expenses | -10.6 | -9.1 | -6.9 | -8.2 | -8.5 | -6.3 |
|---|
| Service Fees | -0.92 | -0.74 | -0.55 | -0.62 | -0.67 | -0.69 |
|---|
| Other Direct Expenses | -0.17 | -1.6 | -1.2 | -0.78 | -0.95 | 0.00 |
|---|
| Employee Benefits Expenses | -35.3 | -34.9 | -28.2 | -28.9 | -26.6 | -22.0 |
|---|
| Depreciation and Amortization Expenses | -3.7 | -3.7 | -4.4 | -4.9 | -0.91 | -0.57 |
|---|
| Impairment Losses | Not reported | -4.6 | -4.5 | -2.8 | 4.2 | -2.4 |
|---|
| Other Operating Expenses | -13.1 | -15.9 | -13.1 | -9.9 | -10.4 | -9.6 |
|---|
| Finance Cost | -0.86 | -0.86 | -1.2 | -0.88 | 0.00 | 0.00 |
|---|
| Total Expenses | -176 | -139 | -105 | -104 | -95.0 | -97.4 |
|---|
| Profit Before Tax | 7.1 | 26.0 | 22.6 | 30.9 | 29.1 | 25.0 |
|---|
| Net Profit for the Year | 5.8 | 15.3 | 14.7 | 20.8 | 21.2 | 16.0 |
|---|
| Income Tax Expense | -1.3 | -10.7 | -7.9 | -10.1 | -8.0 | -9.0 |
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NLG Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 876 | 665 | 584 | 583 | 536 |
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| Goodwill & Intangible Assets | 0.11 | 0.09 | 0.11 | 0.07 | 0.08 |
|---|
| Property and Equipment | 11.3 | 6.9 | 9.8 | 3.6 | 2.1 |
|---|
| Deferred Tax Assets | 6.0 | 8.2 | 6.6 | 3.9 | 4.0 |
|---|
| Investments | 398 | 298 | 247 | 240 | 257 |
|---|
| Loans | 2.9 | 1.6 | 2.1 | 2.0 | 1.7 |
|---|
| Reinsurance Assets | 257 | 214 | 153 | 182 | 147 |
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| Current Tax Assets | 11.8 | 14.0 | 16.6 | 20.7 | 17.4 |
|---|
| Insurance Receivables | 95.0 | 51.5 | 71.7 | 60.6 | 27.9 |
|---|
| Other Assets | 33.9 | 33.8 | 43.1 | 40.5 | 40.9 |
|---|
| Other Financial Assets | 15.0 | 13.5 | 12.7 | 11.7 | 5.6 |
|---|
| Cash and Cash Equivalent | 45.0 | 23.4 | 20.5 | 17.5 | 32.7 |
|---|
| Total Liabilities | 417 | 348 | 285 | 302 | 275 |
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| Provisions | 12.2 | 8.8 | 12.6 | 11.4 | 11.4 |
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| Gross Insurance Contract Liabilities | 333 | 285 | 214 | 250 | 221 |
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| Insurance Payables | 9.0 | 4.8 | 5.7 | 3.0 | 8.4 |
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| Other Liabilities | 5.1 | 4.2 | 6.3 | 5.7 | 28.2 |
|---|
| Other Financial Liabilities | 58.4 | 45.2 | 46.8 | 32.6 | 6.2 |
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| Total Equity | 458 | 316 | 299 | 280 | 261 |
|---|
| Share Capital | 257 | 154 | 146 | 133 | 110 |
|---|
| Share Premium | 27.2 | 0.00 | 0.00 | 4.7 | 4.7 |
|---|
| Special Reserves | 139 | 130 | 124 | 0.00 | 103 |
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| Catastrophe Reserves | 8.7 | 7.8 | 7.2 | 6.3 | 5.1 |
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| Retained Earnings | 9.1 | 6.7 | 10.1 | 11.4 | 25.6 |
|---|
| Other Equity | 17.7 | 17.4 | 11.2 | 125 | 13.0 |
|---|
NLG Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Opening Cash & Cash Equivalents | 23.4 | 20.5 | 17.5 | 32.7 | 39.4 |
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| Net Cash Flow from Operating Activities | 221 | 224 | 181 | -48.8 | 8.5 |
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| Gross Premium Received | 319 | 258 | 241 | 236 | 212 |
|---|
| Reinsurance Commission Received | -0.17 | 56.1 | 23.4 | 38.4 | 30.4 |
|---|
| Claim Recovery Received from Reinsurers | 180 | 121 | 165 | 136 | 86.3 |
|---|
| Other Direct Income Received | -1.6 | 8.4 | -3.5 | 3.3 | 2.9 |
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| Gross Benefits and Claims Paid | -243 | -164 | -219 | -194 | -132 |
|---|
| Reinsurance Premium Paid | 4.2 | -0.89 | 2.7 | -169 | -143 |
|---|
| Commission Paid | -9.5 | -7.6 | -7.4 | -7.9 | -6.7 |
|---|
| Service Fees Paid | -2.4 | -1.9 | -2.0 | -2.1 | -1.8 |
|---|
| Employee Benefits Expenses Paid | -31.9 | -25.7 | -25.5 | -26.6 | -22.0 |
|---|
| Other Expenses Paid | 1.6 | -20.6 | 6.0 | -11.3 | -9.6 |
|---|
| Changes in Working Capital | 0.00 | 0.00 | 0.00 | -46.6 | 0.17 |
|---|
| Income Tax Paid | 4.4 | 1.1 | 1.3 | -4.9 | -8.1 |
|---|
| Net Cash Flow from Investing Activities | -199 | -221 | -178 | 21.5 | -28.3 |
|---|
| Acquisitions of Intangible Assets | -0.04 | 0.00 | -0.05 | -0.01 | 0.03 |
|---|
| Acquisitions of Property & Equipment | -8.0 | -1.5 | -11.0 | -2.5 | 0.43 |
|---|
| Purchase of Equity Instruments | 0.00 | 0.00 | 0.00 | -54.8 | -54.8 |
|---|
| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 | 0.00 | 55.1 | 55.1 |
|---|
| Purchase of Debentures | 0.00 | 0.00 | 0.00 | -10.7 | -10.7 |
|---|
| Investments in Deposits | -206 | -242 | -188 | -250 | -250 |
|---|
| Maturity of Deposits | 0.00 | 0.00 | 0.00 | 222 | 222 |
|---|
| Interest Income Received | 16.1 | 21.4 | 20.4 | 0.00 | 0.00 |
|---|
| Dividend Received | 0.44 | 0.61 | 0.75 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities | -0.33 | -0.42 | -0.70 | 12.1 | 13.1 |
|---|
| Proceeds from Issue of Share Capital | 0.00 | 0.00 | 0.00 | 23.0 | 13.4 |
|---|
| Dividend Paid | -0.33 | -0.42 | -0.70 | -11.0 | -0.38 |
|---|
| Net Change in Cash | 21.6 | 2.9 | 3.0 | -15.2 | -6.7 |
|---|
| Closing Cash & Cash Equivalents | 45.0 | 23.4 | 20.5 | 17.5 | 32.7 |
|---|
NLG Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Earned Premiums | 44.5 | 26.3 | 27.6 | 17.6 | 27.3 | 22.2 | 30.8 | 13.5 | 24.6 |
|---|
| Gross Earned Premiums | 130 | 109 | 81.4 | 82.2 | 93.0 | 63.9 | 66.2 | 57.5 | 84.0 |
|---|
| Premiums Ceded | -85.1 | -83.1 | -53.8 | -64.6 | -65.7 | -41.7 | -35.4 | -44.0 | -59.3 |
|---|
| Other Income | 8.5 | 26.0 | 11.2 | 21.8 | 21.1 | 15.0 | 5.1 | 17.6 | 21.7 |
|---|
| Commission Income | 3.0 | 19.1 | 9.4 | 11.0 | 14.0 | 10.7 | 2.2 | 10.1 | 12.5 |
|---|
| Other Direct Income | 1.7 | 0.46 | 0.44 | 0.33 | 2.1 | 0.65 | 0.33 | 0.26 | 1.5 |
|---|
| Income from Investments & Loans | 3.8 | 3.9 | 3.8 | 4.7 | 2.7 | 3.6 | 2.6 | 7.2 | 4.9 |
|---|
| Net Realised Gains/(Losses) | Not reported | Not reported | Not reported | Not reported | 0.99 | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Income | Not reported | 2.6 | -2.4 | 5.8 | 1.3 | Not reported | Not reported | Not reported | 2.8 |
|---|
| Total Income | 53.1 | 52.3 | 38.8 | 39.4 | 48.4 | 37.2 | 35.9 | 31.1 | 46.3 |
|---|
| Net Claims Incurred | -32.0 | -24.6 | -11.4 | -37.9 | -20.7 | -13.3 | -20.9 | -10.5 | -7.5 |
|---|
| Gross Claims Paid | -131 | -70.5 | -68.2 | -64.2 | -66.9 | -48.2 | -87.4 | -35.5 | -50.7 |
|---|
| Claims Ceded | 96.4 | 42.0 | 48.2 | 45.7 | 48.2 | 32.7 | 71.8 | 26.6 | 36.3 |
|---|
| Gross Change in Contract Liabilities | -62.7 | 74.9 | -186 | -139 | -22.4 | 48.8 | 21.1 | -74.9 | 6.9 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 65.0 | -71.0 | 195 | 120 | 20.4 | -46.6 | -26.4 | 73.3 | 0.00 |
|---|
| Other Expenses | -18.9 | -24.3 | -10.9 | -16.3 | -21.3 | -17.3 | -11.3 | -13.4 | -17.1 |
|---|
| Commission Expenses | -4.6 | -2.8 | -1.0 | -2.2 | -2.7 | -2.0 | -1.2 | -1.5 | -2.5 |
|---|
| Service Fees | -0.31 | -0.09 | -0.24 | -0.28 | -0.08 | -0.23 | -0.23 | -0.23 | -0.12 |
|---|
| Other Direct Expenses | 0.91 | -0.97 | -0.03 | -0.08 | -1.0 | -0.20 | -0.07 | -0.00 | -0.10 |
|---|
| Employee Benefits Expenses | -8.8 | -10.6 | -6.0 | -9.8 | -11.0 | -8.8 | -5.4 | -8.0 | -9.1 |
|---|
| Depreciation and Amortization Expenses | -0.70 | -1.2 | -0.67 | -1.2 | -1.2 | -3.0 | -0.24 | -0.24 | -0.26 |
|---|
| Impairment Losses | -0.98 | -4.8 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | 0.12 |
|---|
| Other Operating Expenses | -4.2 | -3.7 | -2.8 | -2.4 | -4.8 | -2.1 | -4.1 | -3.3 | -5.1 |
|---|
| Finance Cost | -0.22 | -0.22 | -0.10 | -0.33 | -0.42 | -0.91 | Not reported | Not reported | Not reported |
|---|
| Total Expenses | -50.9 | -48.9 | -22.4 | -54.3 | -42.0 | -30.6 | -32.2 | -23.8 | -24.6 |
|---|
| Profit Before Tax | 2.1 | 3.4 | 16.4 | -14.9 | 6.4 | 6.6 | 3.7 | 7.3 | 21.8 |
|---|
| Net Profit for the Year | 2.3 | 2.4 | 11.2 | -10.1 | 3.8 | 4.9 | 2.6 | 4.9 | 11.7 |
|---|
| Income Tax Expense | 0.16 | -1.0 | -5.2 | 4.8 | -2.6 | -1.7 | -1.2 | -2.4 | -10.1 |
|---|
NLG Insurance share price history
Over the last 15 trading sessions NLG closed between Rs. 483.90 and Rs. 549.00, finishing at Rs. 526.00 on 2026-09-22 against Rs. 530.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 535.00 | 535.80 | 520.10 | 526.00 | 7,222 |
|---|
| 2026-09-18 | 530.00 | 537.00 | 523.10 | 530.00 | 13,283 |
|---|
| 2026-09-17 | 547.00 | 547.00 | 523.60 | 537.00 | 7,956 |
|---|
| 2026-09-16 | 558.90 | 558.90 | 524.00 | 538.70 | 15,487 |
|---|
| 2026-09-15 | 561.60 | 561.60 | 530.00 | 549.00 | 13,819 |
|---|
| 2026-09-14 | 516.00 | 540.00 | 505.20 | 534.90 | 23,531 |
|---|
| 2026-09-11 | 514.00 | 516.90 | 493.00 | 516.50 | 5,130 |
|---|
| 2026-09-10 | 500.00 | 503.50 | 493.90 | 503.50 | 6,932 |
|---|
| 2026-09-09 | 514.00 | 514.90 | 499.00 | 504.30 | 9,347 |
|---|
| 2026-09-07 | 500.00 | 524.80 | 500.00 | 514.50 | 10,044 |
|---|
| 2026-09-03 | 505.00 | 505.00 | 485.00 | 494.00 | 6,165 |
|---|
| 2026-09-02 | 494.40 | 495.40 | 482.10 | 490.50 | 7,656 |
|---|
| 2026-09-01 | 481.00 | 499.80 | 480.10 | 494.40 | 11,037 |
|---|
| 2026-08-31 | 516.00 | 516.00 | 477.10 | 483.90 | 12,920 |
|---|
| 2026-08-26 | 545.00 | 545.00 | 522.00 | 530.00 | 29,244 |
|---|
NLG share price by year
2026, between Rs. 477.10 and Rs. 759.00, 2025, between Rs. 634.62 and Rs. 1,121.01, 2024, between Rs. 448.88 and Rs. 943.43, 2023, between Rs. 307.11 and Rs. 550.27, 2022, between Rs. 246.44 and Rs. 497.56 and 2021, between Rs. 338.57 and Rs. 620.49.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 477.10 | 759.00 | 168 |
|---|
| 2025 | 634.62 | 1,121.01 | 225 |
|---|
| 2024 | 448.88 | 943.43 | 232 |
|---|
| 2023 | 307.11 | 550.27 | 227 |
|---|
| 2022 | 246.44 | 497.56 | 242 |
|---|
| 2021 | 338.57 | 620.49 | 239 |
|---|
| 2020 | 193.33 | 364.87 | 182 |
|---|
| 2019 | 166.21 | 270.87 | 241 |
|---|
| 2018 | 220.94 | 321.28 | 232 |
|---|
| 2017 | 203.37 | 393.29 | 229 |
|---|
| 2016 | 167.26 | 419.22 | 231 |
|---|
| 2015 | 114.52 | 167.57 | 167 |
|---|
NLG Insurance share price returns
At Rs. 526.00 on 2026-09-22, NLG is down 4.19% over 1 week, down 5.87% over 1 month, down 12.76% over 3 months, down 23.99% over 6 months, down 23.50% over 1 year and up 20.35% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | -4.19% | 549.00 | 2026-09-15 |
|---|
| 1 month | -5.87% | 558.80 | 2026-08-21 |
|---|
| 3 months | -12.76% | 602.90 | 2026-06-24 |
|---|
| 6 months | -23.99% | 692.00 | 2026-03-26 |
|---|
| 1 year | -23.50% | 687.59 | 2025-09-21 |
|---|
| 5 years | +20.35% | 437.07 | 2021-09-23 |
|---|
NLG floorsheet for 2026-09-22
NLG traded 49 times on 2026-09-22, moving 5,860 shares for Rs. 0.31 crore of turnover. Trades went through between Rs. 520.10 and Rs. 535.80.
Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 1,155 shares across 4 trades, broker 6, Agrawal Securities Pvt. Limited on 1,000 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 898 shares across 7 trades, broker 58, Naasa Securities Co. Ltd. on 730 shares across 6 trades, broker 45, Imperial Securities Co. Limited on 482 shares across 7 trades, broker 52, Sundhara Securities Limited on 405 shares across 2 trades, broker 49, Online Securities Limited on 300 shares across 2 trades, broker 62, Capital Max Securities Limited on 220 shares across 3 trades, broker 25, Sweta Securities Pvt. Limited on 126 shares across 4 trades and broker 3, Arun Securities Pvt. Limited on 100 shares across 1 trades.
Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 1,748 shares across 6 trades, broker 34, Vision Securities Pvt.Limited on 1,475 shares across 13 trades, broker 45, Imperial Securities Co. Limited on 622 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 551 shares across 4 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 490 shares across 4 trades, broker 1, Kumari Securities Pvt. Limited on 305 shares across 3 trades, broker 84, Milky Way Share Broker Company Ltd on 300 shares across 3 trades, broker 16, Primo Securities Pvt. Limited on 153 shares across 2 trades, broker 62, Capital Max Securities Limited on 65 shares across 2 trades and broker 60, Nagarik Stock Dealer Company Ltd. on 49 shares across 1 trades.
NLG dividend history: bonus shares and cash dividend
NLG Insurance Company Ltd. most recently declared a 4% bonus share issue and a 3.3684% cash dividend, 7.3684% in total for 2081/2082, announced on 2025-12-23. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 4% | 3.3684% | 2025-12-23 |
| 2080/2081 | 2.5% | | 2025-05-16 |
| 2079/2080 | 5.5% | | 2024-01-21 |
| 2078/2079 | 10% | | 2023-03-09 |
| 2077/2078 | 10% | | 2022-01-28 |
For 2081/2082 NLG Insurance Company Ltd. declared a 4% bonus share issue and a 3.3684% cash dividend, 7.3684% in total, announced on 2025-12-23.
For 2080/2081 NLG Insurance Company Ltd. declared a 2.5% bonus share issue, announced on 2025-05-16.
For 2079/2080 NLG Insurance Company Ltd. declared a 5.5% bonus share issue, announced on 2024-01-21.
For 2078/2079 NLG Insurance Company Ltd. declared a 10% bonus share issue, announced on 2023-03-09.
For 2077/2078 NLG Insurance Company Ltd. declared a 10% bonus share issue, announced on 2022-01-28.
NLG right share issues
Right issues NLG Insurance Company Ltd. has announced. A right share is offered to existing shareholders in proportion to what they already hold.
- : ratio 10:6.256, opens 2024-11-26, closes 2024-12-31
NLG general meetings
Annual and special general meetings NLG Insurance Company Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 20th AGM for 2081/2082: on 2026-01-14, at Silver Oak Banquet and Event Center, Gairidhara, Kathmandu (1:30 PM)
- 19th AGM for 2080/2081: on 2025-06-12, at Amrapali Banquet, Thirbam Sadak, Baluwatar, Kathmandu (11:00 AM)
- SGM for 2080/2081: on 2024-10-23, at Amrapali Banquet, Thirbam Sadak, Baluwatar, Kathmandu (10:30 AM)
6 years of annual statements and 9 quarters of results for NLG, with charts and peer comparison, are free on NepView.
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