Prabhu Insurance Ltd. (PRIN) Share Price & Fundamentals

Prabhu Insurance (PRIN) share price is Rs. 609.90, up 1.16% on 2026-09-22. Open Rs. 605.00. High Rs. 610.00. Low Rs. 602.00. Volume 10,612.

Prabhu Insurance Ltd. is a NEPSE-listed company (PRIN), Non Life Insurance sector. Premium: Rs. 69.46 Crore. Net profit: Rs. 26.03 Crore. Net worth: Rs. 339.13 Crore.

About Prabhu Insurance Ltd.

Prabhu Insurance Limited is one of Nepal's leading non-life (general) insurance companies, founded in 2053 B.S. (1996). It has major shareholding from the Prabhu Group and the Employees Provident Fund (Karmachari Sanchaya Kosh), and operates a nationwide branch network providing fire, motor, marine, engineering, aviation, micro and miscellaneous general insurance products. Listed under the Non-Life Insurance sector on NEPSE.

Prabhu Insurance Ltd. (PRIN) has 1,70,09,559 shares outstanding. It listed on NEPSE in 2007. Its most recent declared dividend was 0.46% on face value.

PRIN key metrics

Market Cap	Rs. 1,037.41 Crore
P/E Ratio	50.39
P/E Ratio (TTM)	39.85
EPS	Rs. 12.10
EPS (TTM)	Rs. 15.30
Book Value	Rs. 199.38
Dividend Yield	0.08%
Face Value	Rs. 100.00
52 Week High	Rs. 743.40
52 Week Low	Rs. 564.40
Listed Since	2007

PRIN strengths

What Prabhu Insurance Ltd.'s own accounts show in its favour, graded against the rest of its sector.

Holds 5.48x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
Claims and costs together are 82.3% of premiums. Below 100% means insurance itself makes money. (Underwriting Performance)
Claims come to 32.9% of premiums, so policies are priced well. (Underwriting Performance)
Turns 25.7% of its income into profit once every cost is paid. (Profitability)
50.4% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
Has 87.1% set aside against claims already reported, so it is well prepared to pay. (Claims & Reserving)
Holds 149.3% against premiums for cover that has not yet run out, a healthy buffer. (Liability Strength)
Premiums written directly with customers grew 20.2% on last year. (Premium Growth & Scale)
Earns 3.1% a year on everything it owns, so its investments are working well. (Profitability)
Sets aside 15.9% more than its best estimate of claims, a cautious cushion. (Liability Strength)
The company grew 13.1% bigger over the year. (Shareholder Returns)

PRIN weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

Running costs take 49.4% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
Earns only 6.1% a year on shareholders' money, below what owners would hope for. (Profitability)
Keeps only 14.4% of premiums written, so most income goes to reinsurers. (Underwriting Performance)
Passes most risk on, keeping only 39.7%, so much of the premium goes elsewhere. (Claims & Reserving)
Earns only 5.8% on the money it holds, so those funds are underused. (Investment Performance)
Only 42% of customers renew, so it loses much of the business it wins. (Claims & Reserving)
The number of policies issued moved -8.5%, so the customer base is not growing. (Premium Growth & Scale)
Premiums moved 6.4% on last year, so the business is not expanding. (Premium Growth & Scale)
Only 9.8% of income comes from investments, so it depends on premiums alone. (Investment Performance)
Each share earned only Rs 15.3 of profit over the year. (Shareholder Returns)
Only 39% is set aside to meet the policies it has written, which is light. (Liability Strength)

PRIN Q4 2082/83 results

In Q4 2082/83 Prabhu Insurance Ltd. reported profit of Rs. 3.49 crore and net earned premiums of Rs. 19.07 crore. Profit in Q3 2082/83 was Rs. 8.91 crore. Profit fell 60.84% on the previous quarter. Net earned premiums fell 3.47% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 1.17 crore. Profit grew 198.95% on the same quarter last year. Net earned premiums grew 20.26% on the same quarter last year.

PRIN annual results 2082/83

For the financial year 2082/83 Prabhu Insurance Ltd. reported net profit of Rs. 26.03 crore, net earned premiums of Rs. 69.46 crore and net worth of Rs. 339.13 crore. Net profit in 2081/82 was Rs. 20.59 crore. Net profit grew 26.45% on the year. Net earned premiums grew 6.42% on the year.

PRIN profit and loss for 2082/83

In the financial year 2082/83, Prabhu Insurance Ltd. reported net earned premiums of Rs. 69.46 crore, other income of Rs. 31.64 crore, total income of Rs. 101.1 crore, net claims incurred of Rs. 22.84 crore, other expenses of Rs. 41.67 crore, total expenses of Rs. 64.51 crore, profit before tax of Rs. 36.59 crore and net profit for the year of Rs. 26.03 crore.

Reported under net earned premiums: gross earned premiums of Rs. 174.81 crore and premiums ceded of Rs. 105.35 crore. Reported under other income: commission income of Rs. 19.09 crore, other direct income of Rs. 1.06 crore, income from investments & loans of Rs. 9.88 crore, net gain/(loss) on fair value changes of Rs. 0.08 crore, net realised gains/(losses) of Rs. 0.18 crore and other income of Rs. 1.34 crore. Reported under net claims incurred: gross claims paid of Rs. 50.12 crore, claims ceded of Rs. 27 crore, gross change in contract liabilities of Rs. 26.37 crore and change in contract liabilities ceded to reinsurers of Rs. 26.66 crore. Reported under other expenses: commission expenses of Rs. 3.52 crore, service fees of Rs. 0.54 crore, employee benefits expenses of Rs. 24.49 crore, depreciation and amortization expenses of Rs. 3.32 crore, impairment losses of Rs. 3.19 crore, other operating expenses of Rs. 6.33 crore and finance cost of Rs. 0.27 crore. Reported under net profit for the year: income tax expense of Rs. 10.56 crore.

PRIN profit and loss for 2081/82

In the financial year 2081/82, Prabhu Insurance Ltd. reported net earned premiums of Rs. 65.27 crore, other income of Rs. 28.31 crore, total income of Rs. 93.58 crore, net claims incurred of Rs. 26.19 crore, other expenses of Rs. 40.4 crore, total expenses of Rs. 66.59 crore, profit before tax of Rs. 26.99 crore and net profit for the year of Rs. 20.59 crore.

Reported under net earned premiums: gross earned premiums of Rs. 203.33 crore and premiums ceded of Rs. 138.07 crore. Reported under other income: commission income of Rs. 17.79 crore, other direct income of Rs. 1.17 crore, income from investments & loans of Rs. 8.47 crore, net gain/(loss) on fair value changes of Rs. 0.16 crore, net realised gains/(losses) of Rs. 0.22 crore and other income of Rs. 0.5 crore. Reported under net claims incurred: gross claims paid of Rs. 55.71 crore, claims ceded of Rs. 33.91 crore, gross change in contract liabilities of Rs. 76.55 crore and change in contract liabilities ceded to reinsurers of Rs. 72.17 crore. Reported under other expenses: commission expenses of Rs. 5.17 crore, service fees of Rs. 0.52 crore, employee benefits expenses of Rs. 22.73 crore, depreciation and amortization expenses of Rs. 3.37 crore, impairment losses of Rs. 1.48 crore, other operating expenses of Rs. 6.67 crore and finance cost of Rs. 0.48 crore. Reported under net profit for the year: income tax expense of Rs. 6.4 crore.

PRIN profit and loss for 2080/81

In the financial year 2080/81, Prabhu Insurance Ltd. reported net earned premiums of Rs. 57.32 crore, other income of Rs. 30.65 crore, total income of Rs. 87.97 crore, net claims incurred of Rs. 21.79 crore, other expenses of Rs. 42.43 crore, total expenses of Rs. 64.21 crore, profit before tax of Rs. 23.76 crore and net profit for the year of Rs. 15.22 crore.

Reported under net earned premiums: gross earned premiums of Rs. 170.66 crore and premiums ceded of Rs. 113.34 crore. Reported under other income: commission income of Rs. 18 crore, other direct income of Rs. 1.08 crore, income from investments & loans of Rs. 10.87 crore, net gain/(loss) on fair value changes of Rs. 0.05 crore, net realised gains/(losses) of Rs. 0.07 crore and other income of Rs. 0.57 crore. Reported under net claims incurred: gross claims paid of Rs. 42.14 crore, claims ceded of Rs. 23.17 crore, gross change in contract liabilities of Rs. 35.31 crore and change in contract liabilities ceded to reinsurers of Rs. 32.49 crore. Reported under other expenses: commission expenses of Rs. 6.3 crore, service fees of Rs. 0.44 crore, employee benefits expenses of Rs. 21.11 crore, depreciation and amortization expenses of Rs. 3.07 crore, impairment losses of Rs. 4.55 crore, other operating expenses of Rs. 6.57 crore and finance cost of Rs. 0.38 crore. Reported under net profit for the year: income tax expense of Rs. 8.54 crore.

PRIN balance sheet for 2081/82

In the financial year 2081/82, Prabhu Insurance Ltd. reported total assets of Rs. 672.94 crore, total liabilities of Rs. 333.81 crore and total equity of Rs. 339.13 crore.

Reported under total assets: goodwill & intangible assets of Rs. 0.01 crore, property and equipment of Rs. 11.76 crore, investment properties of Rs. 2.14 crore, deferred tax assets of Rs. 0 crore, investments of Rs. 146.24 crore, reinsurance assets of Rs. 203.19 crore, current tax assets of Rs. 0 crore, insurance receivables of Rs. 102.68 crore, other assets of Rs. 50.18 crore, other financial assets of Rs. 31.78 crore and cash and cash equivalent of Rs. 124.97 crore. Reported under total liabilities: provisions of Rs. 11.79 crore, gross insurance contract liabilities of Rs. 262.56 crore, deferred tax liabilities of Rs. 0.26 crore, insurance payables of Rs. 39.74 crore, current tax liabilities of Rs. 2.83 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 12.56 crore and other financial liabilities of Rs. 4.07 crore. Reported under total equity: share capital of Rs. 144.15 crore, special reserves of Rs. 122.44 crore, catastrophe reserves of Rs. 10.13 crore, retained earnings of Rs. 42.94 crore and other equity of Rs. 19.48 crore.

PRIN balance sheet for 2080/81

In the financial year 2080/81, Prabhu Insurance Ltd. reported total assets of Rs. 594.84 crore, total liabilities of Rs. 280.71 crore and total equity of Rs. 314.13 crore.

Reported under total assets: goodwill & intangible assets of Rs. 0.02 crore, property and equipment of Rs. 11.13 crore, investment properties of Rs. 2.21 crore, deferred tax assets of Rs. 0 crore, investments of Rs. 126.64 crore, reinsurance assets of Rs. 151.24 crore, current tax assets of Rs. 1.66 crore, insurance receivables of Rs. 94.41 crore, other assets of Rs. 50.44 crore, other financial assets of Rs. 17.25 crore and cash and cash equivalent of Rs. 139.86 crore. Reported under total liabilities: provisions of Rs. 11.88 crore, gross insurance contract liabilities of Rs. 202.41 crore, deferred tax liabilities of Rs. 0.48 crore, insurance payables of Rs. 40.98 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 23.36 crore and other financial liabilities of Rs. 1.6 crore. Reported under total equity: share capital of Rs. 144.15 crore, special reserves of Rs. 113.26 crore, catastrophe reserves of Rs. 9.21 crore, retained earnings of Rs. 35.13 crore and other equity of Rs. 12.39 crore.

PRIN balance sheet for 2079/80

In the financial year 2079/80, Prabhu Insurance Ltd. reported total assets of Rs. 489.67 crore, total liabilities of Rs. 223.92 crore and total equity of Rs. 265.75 crore.

Reported under total assets: goodwill & intangible assets of Rs. 0.03 crore, property and equipment of Rs. 11.57 crore, investment properties of Rs. 2.25 crore, deferred tax assets of Rs. 3.22 crore, investments of Rs. 191.9 crore, reinsurance assets of Rs. 113.17 crore, current tax assets of Rs. 0 crore, insurance receivables of Rs. 90.55 crore, other assets of Rs. 57.61 crore, other financial assets of Rs. 14.27 crore and cash and cash equivalent of Rs. 5.09 crore. Reported under total liabilities: provisions of Rs. 15.21 crore, gross insurance contract liabilities of Rs. 159.97 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 20.55 crore, current tax liabilities of Rs. 6.27 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 20.05 crore and other financial liabilities of Rs. 1.88 crore. Reported under total equity: share capital of Rs. 137.61 crore, special reserves of Rs. 105.04 crore, catastrophe reserves of Rs. 8.39 crore, retained earnings of Rs. 6.98 crore and other equity of Rs. 7.73 crore.

PRIN cash flow for 2081/82

In the financial year 2081/82, Prabhu Insurance Ltd. reported opening cash & cash equivalents of Rs. 139.86 crore, net cash flow from operating activities of Rs. 0.05 crore, net cash flow from investing activities of Rs. 11.47 crore, net cash flow from financing activities of Rs. 3.9 crore, net change in cash of Rs. 15.33 crore and closing cash & cash equivalents of Rs. 124.97 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 186.93 crore, reinsurance commission received of Rs. 17.79 crore, claim recovery received from reinsurers of Rs. 33.91 crore, other direct income received of Rs. 1.17 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 55.71 crore, reinsurance premium paid of Rs. 117.84 crore, commission paid of Rs. 5.17 crore, service fees paid of Rs. 0.52 crore, employee benefits expenses paid of Rs. 22.76 crore, other expenses paid of Rs. 29.72 crore, other direct expenses paid of Rs. 0 crore and income tax paid of Rs. 8.03 crore. Reported under net cash flow from investing activities: acquisitions of property & equipment of Rs. 0.23 crore, purchase of equity instruments of Rs. 6.78 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 2 crore, investments in deposits of Rs. 3.65 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 1.35 crore, interest income received of Rs. 7.05 crore and dividend received of Rs. 0.13 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 3.25 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0.34 crore and proceeds from share application money pending allotment of Rs. 0 crore.

PRIN cash flow for 2080/81

In the financial year 2080/81, Prabhu Insurance Ltd. reported opening cash & cash equivalents of Rs. 70.34 crore, net cash flow from operating activities of Rs. 15.13 crore, net cash flow from investing activities of Rs. 57.79 crore, net cash flow from financing activities of Rs. 3.64 crore, net change in cash of Rs. 69.27 crore and closing cash & cash equivalents of Rs. 139.86 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 177.79 crore, reinsurance commission received of Rs. 18 crore, claim recovery received from reinsurers of Rs. 23.17 crore, other direct income received of Rs. 1.08 crore, other income received of Rs. 0.34 crore, gross benefits and claims paid of Rs. 42.14 crore, reinsurance premium paid of Rs. 118.93 crore, commission paid of Rs. 6.3 crore, service fees paid of Rs. 0.44 crore, employee benefits expenses paid of Rs. 22.18 crore, other expenses paid of Rs. 1.67 crore, other direct expenses paid of Rs. 0 crore and income tax paid of Rs. 13.59 crore. Reported under net cash flow from investing activities: acquisitions of property & equipment of Rs. 1 crore, purchase of equity instruments of Rs. 3.62 crore, proceeds from sale of equity instruments of Rs. 56.58 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 4.75 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0.9 crore, interest income received of Rs. 9.68 crore and dividend received of Rs. 0.31 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 3.14 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0.34 crore and proceeds from share application money pending allotment of Rs. 0 crore.

PRIN cash flow for 2079/80

In the financial year 2079/80, Prabhu Insurance Ltd. reported opening cash & cash equivalents of Rs. 8.96 crore, net cash flow from operating activities of Rs. 28.66 crore, net cash flow from investing activities of Rs. 29.22 crore, net cash flow from financing activities of Rs. 3.47 crore, net change in cash of Rs. 4.03 crore and closing cash & cash equivalents of Rs. 5.09 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 165.88 crore, reinsurance commission received of Rs. 23.63 crore, claim recovery received from reinsurers of Rs. 44.09 crore, other direct income received of Rs. 0 crore, other income received of Rs. 0.51 crore, gross benefits and claims paid of Rs. 63.18 crore, reinsurance premium paid of Rs. 99.75 crore, commission paid of Rs. 0.61 crore, service fees paid of Rs. 0.57 crore, employee benefits expenses paid of Rs. 15.29 crore, other expenses paid of Rs. 21.95 crore, other direct expenses paid of Rs. 0 crore and income tax paid of Rs. 4.82 crore. Reported under net cash flow from investing activities: acquisitions of property & equipment of Rs. 0.38 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0.93 crore, purchase of debentures of Rs. 3.03 crore, investments in deposits of Rs. 38.98 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 1.35 crore, interest income received of Rs. 8.26 crore and dividend received of Rs. 0.33 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 3 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0.45 crore and proceeds from share application money pending allotment of Rs. 0 crore.

PRIN quarterly for Q4 2082/83

In the quarter Q4 2082/83, Prabhu Insurance Ltd. reported net earned premiums of Rs. 19.07 crore, other income of Rs. 7.44 crore, total income of Rs. 26.51 crore, net claims incurred of Rs. 9.06 crore, other expenses of Rs. 12.47 crore, total expenses of Rs. 21.52 crore, profit before tax of Rs. 4.98 crore and net profit for the year of Rs. 3.49 crore.

Reported under net earned premiums: gross earned premiums of Rs. 68.25 crore and premiums ceded of Rs. 49.18 crore. Reported under other income: commission income of Rs. 5.75 crore, other direct income of Rs. 0.88 crore, income from investments & loans of Rs. 0.28 crore, net gain/(loss) on fair value changes of Rs. 0.12 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.4 crore. Reported under net claims incurred: gross claims paid of Rs. 13.91 crore, claims ceded of Rs. 9.83 crore, gross change in contract liabilities of Rs. 16.7 crore and change in contract liabilities ceded to reinsurers of Rs. 21.68 crore. Reported under other expenses: commission expenses of Rs. 0.76 crore, service fees of Rs. 0.03 crore, employee benefits expenses of Rs. 6.88 crore, depreciation and amortization expenses of Rs. 0.79 crore, impairment losses of Rs. 1.65 crore, other operating expenses of Rs. 2.34 crore and finance cost of Rs. 0.02 crore. Reported under net profit for the year: income tax expense of Rs. 1.5 crore.

PRIN quarterly for Q3 2082/83

In the quarter Q3 2082/83, Prabhu Insurance Ltd. reported net earned premiums of Rs. 19.76 crore, other income of Rs. 6 crore, total income of Rs. 25.76 crore, net claims incurred of Rs. 2.28 crore, other expenses of Rs. 10.75 crore, total expenses of Rs. 13.03 crore, profit before tax of Rs. 12.73 crore and net profit for the year of Rs. 8.91 crore.

Reported under net earned premiums: gross earned premiums of Rs. 46.29 crore and premiums ceded of Rs. 26.53 crore. Reported under other income: commission income of Rs. 2.3 crore, other direct income of Rs. 0.07 crore, income from investments & loans of Rs. 3.13 crore, net gain/(loss) on fair value changes of Rs. 0.19 crore, net realised gains/(losses) of Rs. 0.27 crore and other income of Rs. 0.43 crore. Reported under net claims incurred: gross claims paid of Rs. 16.6 crore, claims ceded of Rs. 7.75 crore, gross change in contract liabilities of Rs. 9.98 crore and change in contract liabilities ceded to reinsurers of Rs. 16.55 crore. Reported under other expenses: commission expenses of Rs. 1.21 crore, service fees of Rs. 0.09 crore, employee benefits expenses of Rs. 5.75 crore, depreciation and amortization expenses of Rs. 0.82 crore, impairment losses of Rs. 1.54 crore, other operating expenses of Rs. 1.25 crore and finance cost of Rs. 0.09 crore. Reported under net profit for the year: income tax expense of Rs. 3.82 crore.

PRIN quarterly for Q2 2082/83

In the quarter Q2 2082/83, Prabhu Insurance Ltd. reported net earned premiums of Rs. 18.55 crore, other income of Rs. 5.95 crore, total income of Rs. 24.5 crore, net claims incurred of Rs. 5.92 crore, other expenses of Rs. 8.71 crore, total expenses of Rs. 14.64 crore, profit before tax of Rs. 9.86 crore and net profit for the year of Rs. 7.32 crore.

Reported under net earned premiums: gross earned premiums of Rs. 30.58 crore and premiums ceded of Rs. 12.03 crore. Reported under other income: commission income of Rs. 4.71 crore, other direct income of Rs. 0.11 crore, income from investments & loans of Rs. 0.78 crore, net gain/(loss) on fair value changes of Rs. 0.01 crore, net realised gains/(losses) of Rs. 0.12 crore and other income of Rs. 0.23 crore. Reported under net claims incurred: gross claims paid of Rs. 8.85 crore, claims ceded of Rs. 4.94 crore, gross change in contract liabilities of Rs. 2.7 crore and change in contract liabilities ceded to reinsurers of Rs. 0.69 crore. Reported under other expenses: commission expenses of Rs. 1.16 crore, service fees of Rs. 0.21 crore, employee benefits expenses of Rs. 4.96 crore, depreciation and amortization expenses of Rs. 1.58 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 0.63 crore and finance cost of Rs. 0.17 crore. Reported under net profit for the year: income tax expense of Rs. 2.54 crore.

PRIN quarterly for Q1 2082/83

In the quarter Q1 2082/83, Prabhu Insurance Ltd. reported net earned premiums of Rs. 12.08 crore, other income of Rs. 12.26 crore, total income of Rs. 24.33 crore, net claims incurred of Rs. 5.58 crore, other expenses of Rs. 9.74 crore, total expenses of Rs. 15.31 crore, profit before tax of Rs. 9.02 crore and net profit for the year of Rs. 6.31 crore.

Reported under net earned premiums: gross earned premiums of Rs. 29.69 crore and premiums ceded of Rs. 17.61 crore. Reported under other income: commission income of Rs. 6.34 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 5.69 crore, net gain/(loss) on fair value changes of Rs. 0.15 crore, net realised gains/(losses) of Rs. 0.2 crore and other income of Rs. 0.28 crore. Reported under net claims incurred: gross claims paid of Rs. 10.76 crore, claims ceded of Rs. 4.47 crore, gross change in contract liabilities of Rs. 30.38 crore and change in contract liabilities ceded to reinsurers of Rs. 31.1 crore. Reported under other expenses: commission expenses of Rs. 0.4 crore, service fees of Rs. 0.21 crore, employee benefits expenses of Rs. 6.89 crore, depreciation and amortization expenses of Rs. 0.13 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 2.11 crore and finance cost of Rs. 0 crore. Reported under net profit for the year: income tax expense of Rs. 2.71 crore.

PRIN 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	69.5	65.3	57.3	57.1	51.7	50.9
Gross Earned Premiums	175	203	171	157	141	148
Premiums Ceded	-105	-138	-113	-99.7	-89.8	-97.3
Other Income	31.6	28.3	30.7	32.7	22.6	23.4
Commission Income	19.1	17.8	18.0	21.4	13.5	14.7
Other Direct Income	1.1	1.2	1.1	0.57	0.55	0.00
Income from Investments & Loans	9.9	8.5	10.9	10.5	8.3	6.9
Net Gain/(Loss) on Fair Value Changes	0.08	0.16	0.05	-0.04	-0.29	0.00
Net Realised Gains/(Losses)	0.18	0.22	0.07	0.00	0.00	0.00
Other Income	1.3	0.50	0.57	0.30	0.45	1.8
Total Income	101	93.6	88.0	89.8	74.2	74.3
Net Claims Incurred	-22.8	-26.2	-21.8	-19.7	-25.0	-21.1
Gross Claims Paid	-50.1	-55.7	-42.1	-63.2	-62.4	-50.0
Claims Ceded	27.0	33.9	23.2	44.1	41.1	29.6
Gross Change in Contract Liabilities	-26.4	-76.6	-35.3	21.1	5.6	-71.9
Change in Contract Liabilities Ceded to Reinsurers	26.7	72.2	32.5	-21.7	-9.4	71.2
Other Expenses	-41.7	-40.4	-42.4	-38.6	-26.6	-23.6
Commission Expenses	-3.5	-5.2	-6.3	-3.3	-2.9	-3.5
Service Fees	-0.54	-0.52	-0.44	-0.57	-0.48	-0.56
Employee Benefits Expenses	-24.5	-22.7	-21.1	-19.2	-13.8	-13.7
Depreciation and Amortization Expenses	-3.3	-3.4	-3.1	-3.3	-2.6	-0.36
Impairment Losses	-3.2	-1.5	-4.6	-6.1	-0.50	0.00
Other Operating Expenses	-6.3	-6.7	-6.6	-5.4	-6.0	-5.5
Finance Cost	-0.27	-0.48	-0.38	-0.67	-0.39	0.00
Total Expenses	-64.5	-66.6	-64.2	-58.4	-51.6	-44.7
Profit Before Tax	36.6	27.0	23.8	31.5	22.6	29.5
Net Profit for the Year	26.0	20.6	15.2	22.5	18.6	22.4
Income Tax Expense	-10.6	-6.4	-8.5	-8.9	-4.0	-7.2

PRIN Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78
Total Assets	673	595	490	447	430
Goodwill & Intangible Assets	0.01	0.02	0.03	0.04	0.04
Property and Equipment	11.8	11.1	11.6	11.5	8.9
Investment Properties	2.1	2.2	2.3	0.00	0.00
Deferred Tax Assets	0.00	0.00	3.2	1.6	0.00
Investments	146	127	192	143	131
Reinsurance Assets	203	151	113	129	133
Current Tax Assets	0.00	1.7	0.00	0.00	0.00
Insurance Receivables	103	94.4	90.6	79.2	47.5
Other Assets	50.2	50.4	57.6	56.5	57.2
Other Financial Assets	31.8	17.2	14.3	17.0	34.4
Cash and Cash Equivalent	125	140	5.1	9.0	17.7
Total Liabilities	334	281	224	209	210
Provisions	11.8	11.9	15.2	8.3	10.1
Gross Insurance Contract Liabilities	263	202	160	172	176
Deferred Tax Liabilities	0.26	0.48	0.00	0.00	0.02
Insurance Payables	39.7	41.0	20.5	4.9	6.1
Current Tax Liabilities	2.8	0.00	6.3	3.1	2.0
Borrowings	0.00	0.00	0.00	0.00	0.00
Other Liabilities	12.6	23.4	20.0	15.8	12.7
Other Financial Liabilities	4.1	1.6	1.9	5.0	3.1
Total Equity	339	314	266	238	220
Share Capital	144	144	138	129	116
Special Reserves	122	113	105	91.5	82.6
Catastrophe Reserves	10.1	9.2	8.4	7.3	6.4
Retained Earnings	42.9	35.1	7.0	9.1	14.0
Other Equity	19.5	12.4	7.7	1.2	0.83

PRIN Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78
Opening Cash & Cash Equivalents	140	70.3	9.0	17.7	10.6
Net Cash Flow from Operating Activities	0.05	15.1	28.7	1.1	6.9
Gross Premium Received	187	178	166	143	130
Reinsurance Commission Received	17.8	18.0	23.6	14.4	15.6
Claim Recovery Received from Reinsurers	33.9	23.2	44.1	41.1	0.00
Other Direct Income Received	1.2	1.1	0.00	0.71	0.00
Other Income Received	0.00	0.34	0.51	0.28	-1.4
Gross Benefits and Claims Paid	-55.7	-42.1	-63.2	-62.4	-50.0
Reinsurance Premium Paid	-118	-119	-99.7	-89.8	-97.3
Commission Paid	-5.2	-6.3	-0.61	-2.3	-3.1
Service Fees Paid	-0.52	-0.44	-0.57	-0.48	-0.56
Employee Benefits Expenses Paid	-22.8	-22.2	-15.3	-14.5	-14.3
Other Expenses Paid	-29.7	-1.7	-21.9	-22.0	-0.40
Other Direct Expenses Paid	0.00	0.00	0.00	0.00	0.00
Income Tax Paid	-8.0	-13.6	-4.8	-6.2	-11.9
Net Cash Flow from Investing Activities	-11.5	57.8	-29.2	-7.0	0.80
Acquisitions of Property & Equipment	-0.23	-1.0	-0.38	-0.82	-0.10
Purchase of Equity Instruments	-6.8	-3.6	0.00	0.00	-1.6
Proceeds from Sale of Equity Instruments	0.00	56.6	0.93	0.63	0.00
Purchase of Debentures	-2.0	0.00	-3.0	0.00	0.00
Investments in Deposits	-3.7	-4.8	-39.0	-12.1	-5.6
Maturity of Deposits	0.00	0.00	0.00	0.00	0.00
Rental Income Received	1.4	0.90	1.4	1.3	1.2
Interest Income Received	7.0	9.7	8.3	5.9	6.6
Dividend Received	0.13	0.31	0.33	0.77	0.30
Net Cash Flow from Financing Activities	-3.9	-3.6	-3.5	-3.1	-0.56
Payment of Finance Lease	-3.3	-3.1	-3.0	-2.4	0.00
Proceeds from Issue of Share Capital	0.00	0.00	0.00	0.00	0.00
Dividend Paid	-0.34	-0.34	-0.45	-0.67	-0.56
Proceeds from Share Application Money Pending Allotment	0.00	0.00	0.00	0.00	0.00
Net Change in Cash	-15.3	69.3	-4.0	-9.0	7.1
Closing Cash & Cash Equivalents	125	140	5.1	9.0	17.7

PRIN 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	19.1	19.8	18.5	12.1	15.9	19.4	16.3	11.9	18.8
Gross Earned Premiums	68.3	46.3	30.6	29.7	66.9	49.3	40.7	26.7	59.9
Premiums Ceded	-49.2	-26.5	-12.0	-17.6	-51.0	-29.9	-24.3	-14.8	-41.1
Other Income	7.4	6.0	5.9	12.3	7.7	8.3	5.3	11.3	13.1
Commission Income	5.7	2.3	4.7	6.3	5.4	2.4	3.5	5.5	10.8
Other Direct Income	0.88	0.07	0.11	0.00	0.82	0.00	0.27	0.00	0.39
Income from Investments & Loans	0.28	3.1	0.78	5.7	1.3	5.8	1.2	5.8	1.5
Net Gain/(Loss) on Fair Value Changes	0.12	-0.19	0.01	0.15	0.00	0.00	0.00	0.00	0.10
Net Realised Gains/(Losses)	0.00	0.27	0.12	-0.20	0.00	0.00	0.00	0.00	0.03
Other Income	0.40	0.43	0.23	0.28	0.17	0.09	0.39	0.01	0.35
Total Income	26.5	25.8	24.5	24.3	23.6	27.7	21.7	23.2	31.9
Net Claims Incurred	-9.1	-2.3	-5.9	-5.6	-8.9	-6.3	-4.4	-5.4	-2.2
Gross Claims Paid	-13.9	-16.6	-8.9	-10.8	-22.5	-10.1	-9.6	-9.5	-10.7
Claims Ceded	9.8	7.8	4.9	4.5	11.8	8.1	5.0	5.0	5.2
Gross Change in Contract Liabilities	16.7	-10.0	-2.7	-30.4	1.6	4.7	-20.7	-50.7	-6.5
Change in Contract Liabilities Ceded to Reinsurers	-21.7	16.5	0.69	31.1	0.29	-9.0	20.8	49.7	9.7
Other Expenses	-12.5	-10.7	-8.7	-9.7	-13.0	-9.9	-8.1	-9.8	-15.5
Commission Expenses	-0.76	-1.2	-1.2	-0.40	-1.0	-1.00	-1.4	-0.39	-2.8
Service Fees	-0.03	-0.09	-0.21	-0.21	0.00	-0.10	-0.21	-0.19	-0.05
Employee Benefits Expenses	-6.9	-5.8	-5.0	-6.9	-4.1	-5.0	-4.4	-6.6	-4.2
Depreciation and Amortization Expenses	-0.79	-0.82	-1.6	-0.13	-0.80	-1.4	-0.16	-0.84	-0.88
Impairment Losses	-1.6	-1.5	0.00	0.00	-2.4	0.00	0.00	0.00	-5.1
Other Operating Expenses	-2.3	-1.2	-0.63	-2.1	-4.7	-2.4	-1.9	-1.6	-2.3
Finance Cost	-0.02	-0.09	-0.17	0.00	0.00	-0.03	0.00	-0.15	-0.09
Total Expenses	-21.5	-13.0	-14.6	-15.3	-21.9	-16.3	-12.5	-15.2	-17.7
Profit Before Tax	5.0	12.7	9.9	9.0	1.7	11.5	9.1	8.0	14.2
Net Profit for the Year	3.5	8.9	7.3	6.3	1.2	8.0	6.4	5.6	9.9
Income Tax Expense	-1.5	-3.8	-2.5	-2.7	-0.50	-3.4	-2.7	-2.4	-4.3

Prabhu Insurance share price history

Over the last 15 trading sessions PRIN closed between Rs. 573.20 and Rs. 610.20, finishing at Rs. 609.90 on 2026-09-22 against Rs. 600.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	605.00	610.00	602.00	609.90	10,612
2026-09-18	593.90	603.90	593.00	602.90	4,527
2026-09-17	600.00	606.90	595.00	600.00	7,600
2026-09-16	603.00	608.00	593.00	600.00	19,333
2026-09-15	630.00	631.00	605.00	610.20	14,313
2026-09-14	593.10	605.00	593.10	602.00	5,810
2026-09-11	593.00	593.00	583.20	592.10	1,733
2026-09-10	595.00	595.00	580.10	590.00	7,097
2026-09-09	570.00	612.00	570.00	594.00	5,985
2026-09-07	605.00	611.00	587.10	600.00	7,620
2026-09-03	585.20	595.00	583.60	593.00	1,668
2026-09-02	583.00	606.00	575.00	594.00	21,512
2026-09-01	573.20	585.00	564.40	584.90	18,237
2026-08-31	583.00	590.00	573.00	573.20	7,325
2026-08-26	633.00	633.00	596.00	600.00	34,021

PRIN share price by year

2026, between Rs. 564.40 and Rs. 743.40, 2025, between Rs. 579.58 and Rs. 848.86, 2024, between Rs. 524.72 and Rs. 867.73, 2023, between Rs. 323.76 and Rs. 663.89, 2022, between Rs. 263.67 and Rs. 591.97 and 2021, between Rs. 359.91 and Rs. 730.22.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	564.40	743.40	168
2025	579.58	848.86	225
2024	524.72	867.73	232
2023	323.76	663.89	226
2022	263.67	591.97	151
2021	359.91	730.22	228
2020	177.10	401.61	184
2019	157.78	259.53	244
2018	197.14	332.04	234
2017	170.12	441.70	229
2016	123.58	367.10	197
2015	87.06	127.50	104

Prabhu Insurance share price returns

At Rs. 609.90 on 2026-09-22, PRIN is down 0.05% over 1 week, down 6.17% over 1 month, down 11.09% over 3 months, down 12.77% over 6 months, down 4.19% over 1 year and up 18.21% 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	-0.05%	610.20	2026-09-15
1 month	-6.17%	650.00	2026-08-21
3 months	-11.09%	686.00	2026-06-24
6 months	-12.77%	699.17	2026-03-26
1 year	-4.19%	636.57	2025-09-21
5 years	+18.21%	515.93	2021-09-23

PRIN floorsheet for 2026-09-22

PRIN traded 74 times on 2026-09-22, moving 10,565 shares for Rs. 0.64 crore of turnover. Trades went through between Rs. 590.00 and Rs. 610.00.

Largest buyers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 3,107 shares across 21 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 2,518 shares across 11 trades, broker 1, Kumari Securities Pvt. Limited on 1,000 shares across 6 trades, broker 45, Imperial Securities Co. Limited on 892 shares across 4 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 500 shares across 2 trades, broker 7, J.F. Securities Company Pvt. Limited on 478 shares across 5 trades, broker 16, Primo Securities Pvt. Limited on 357 shares across 2 trades, broker 62, Capital Max Securities Limited on 330 shares across 1 trades, broker 6, Agrawal Securities Pvt. Limited on 300 shares across 1 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 200 shares across 1 trades.

Largest sellers by volume: broker 47, Neev Securities Pvt.Ltd on 2,760 shares across 12 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,027 shares across 2 trades, broker 32, Premier Securites Company Limited on 1,011 shares across 4 trades, broker 22, Siprabi Securities Pvt. Limited on 884 shares across 3 trades, broker 62, Capital Max Securities Limited on 705 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 541 shares across 5 trades, broker 54, Sewa Securities Pvt. Ltd. on 453 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 450 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 437 shares across 4 trades and broker 33, Dakshinkali Investment Securities Pvt.Limited on 300 shares across 3 trades.

PRIN dividend history: bonus shares and cash dividend

Prabhu Insurance Ltd. most recently declared an 8.7% bonus share issue for 2081/2082, announced on 2026-05-21. 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	Announced
2081/2082	8.7%	2026-05-21
2080/2081	18%	2025-06-23
2079/2080	4.75%	2024-04-11
2078/2079	6.7%	2023-02-15
2077/2078	11%	2022-03-18

For 2081/2082 Prabhu Insurance Ltd. declared an 8.7% bonus share issue, announced on 2026-05-21.

For 2080/2081 Prabhu Insurance Ltd. declared an 18% bonus share issue, announced on 2025-06-23.

For 2079/2080 Prabhu Insurance Ltd. declared a 4.75% bonus share issue, announced on 2024-04-11.

For 2078/2079 Prabhu Insurance Ltd. declared a 6.7% bonus share issue, announced on 2023-02-15.

For 2077/2078 Prabhu Insurance Ltd. declared an 11% bonus share issue, announced on 2022-03-18.

PRIN general meetings

Annual and special general meetings Prabhu Insurance Ltd. has called. A dividend is declared by the board and approved at the AGM.

30th AGM for 2081/2082: on 2026-04-22, at Company's Head Office, Prabhu Complex, Tinkune, Kathmandu (11:00 AM)
29th AGM for 2080/2081: on 2025-08-08, at Company's Head Office, Prabhu Complex, Tinkune, Kathmandu (11:00 AM)
28th AGM for 2079/2080: on 2024-05-02, at Company's Office, Prabhu Complex, Tinkune, Kathmandu (10:00 AM)

6 years of annual statements and 9 quarters of results for PRIN, with charts and peer comparison, are free on NepView.

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