Prabhu Insurance Ltd. (PRIN) Share Price & Fundamentals

Prabhu Insurance (PRIN) share price is Rs. 584.90, up 0.58% on 2026-10-12. Open Rs. 582.00. High Rs. 587.00. Low Rs. 580.30. Volume 3,397.

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 CapRs. 994.89 Crore
P/E Ratio48.33
P/E Ratio (TTM)38.22
EPSRs. 12.10
EPS (TTM)Rs. 15.30
Book ValueRs. 199.38
Dividend Yield0.08%
Face ValueRs. 100.00
52 Week HighRs. 743.40
52 Week LowRs. 564.40
Listed Since2007

PRIN strengths

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

PRIN weaknesses

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

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.

Particulars2082/832081/822080/812079/802078/792077/78
Net Earned Premiums69.565.357.357.151.750.9
   Gross Earned Premiums175203171157141148
   Premiums Ceded-105-138-113-99.7-89.8-97.3
Other Income31.628.330.732.722.623.4
   Commission Income19.117.818.021.413.514.7
   Other Direct Income1.11.21.10.570.550.00
   Income from Investments & Loans9.98.510.910.58.36.9
   Net Gain/(Loss) on Fair Value Changes0.080.160.05-0.04-0.290.00
   Net Realised Gains/(Losses)0.180.220.070.000.000.00
   Other Income1.30.500.570.300.451.8
Total Income10193.688.089.874.274.3
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 Ceded27.033.923.244.141.129.6
   Gross Change in Contract Liabilities-26.4-76.6-35.321.15.6-71.9
   Change in Contract Liabilities Ceded to Reinsurers26.772.232.5-21.7-9.471.2
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-3.2-1.5-4.6-6.1-0.500.00
   Other Operating Expenses-6.3-6.7-6.6-5.4-6.0-5.5
   Finance Cost-0.27-0.48-0.38-0.67-0.390.00
Total Expenses-64.5-66.6-64.2-58.4-51.6-44.7
Profit Before Tax36.627.023.831.522.629.5
Net Profit for the Year26.020.615.222.518.622.4
   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.

Particulars2081/822080/812079/802078/792077/78
Total Assets673595490447430
   Goodwill & Intangible Assets0.010.020.030.040.04
   Property and Equipment11.811.111.611.58.9
   Investment Properties2.12.22.30.000.00
   Deferred Tax Assets0.000.003.21.60.00
   Investments146127192143131
   Reinsurance Assets203151113129133
   Current Tax Assets0.001.70.000.000.00
   Insurance Receivables10394.490.679.247.5
   Other Assets50.250.457.656.557.2
   Other Financial Assets31.817.214.317.034.4
   Cash and Cash Equivalent1251405.19.017.7
Total Liabilities334281224209210
   Provisions11.811.915.28.310.1
   Gross Insurance Contract Liabilities263202160172176
   Deferred Tax Liabilities0.260.480.000.000.02
   Insurance Payables39.741.020.54.96.1
   Current Tax Liabilities2.80.006.33.12.0
   Borrowings0.000.000.000.000.00
   Other Liabilities12.623.420.015.812.7
   Other Financial Liabilities4.11.61.95.03.1
Total Equity339314266238220
   Share Capital144144138129116
   Special Reserves12211310591.582.6
   Catastrophe Reserves10.19.28.47.36.4
   Retained Earnings42.935.17.09.114.0
   Other Equity19.512.47.71.20.83

PRIN Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Opening Cash & Cash Equivalents14070.39.017.710.6
Net Cash Flow from Operating Activities0.0515.128.71.16.9
   Gross Premium Received187178166143130
   Reinsurance Commission Received17.818.023.614.415.6
   Claim Recovery Received from Reinsurers33.923.244.141.10.00
   Other Direct Income Received1.21.10.000.710.00
   Other Income Received0.000.340.510.28-1.4
   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 Paid0.000.000.000.000.00
   Income Tax Paid-8.0-13.6-4.8-6.2-11.9
Net Cash Flow from Investing Activities-11.557.8-29.2-7.00.80
   Acquisitions of Property & Equipment-0.23-1.0-0.38-0.82-0.10
   Purchase of Equity Instruments-6.8-3.60.000.00-1.6
   Proceeds from Sale of Equity Instruments0.0056.60.930.630.00
   Purchase of Debentures-2.00.00-3.00.000.00
   Investments in Deposits-3.7-4.8-39.0-12.1-5.6
   Maturity of Deposits0.000.000.000.000.00
   Rental Income Received1.40.901.41.31.2
   Interest Income Received7.09.78.35.96.6
   Dividend Received0.130.310.330.770.30
Net Cash Flow from Financing Activities-3.9-3.6-3.5-3.1-0.56
   Payment of Finance Lease-3.3-3.1-3.0-2.40.00
   Proceeds from Issue of Share Capital0.000.000.000.000.00
   Dividend Paid-0.34-0.34-0.45-0.67-0.56
   Proceeds from Share Application Money Pending Allotment0.000.000.000.000.00
Net Change in Cash-15.369.3-4.0-9.07.1
Closing Cash & Cash Equivalents1251405.19.017.7

PRIN Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Earned Premiums19.119.818.512.115.919.416.311.918.8
   Gross Earned Premiums68.346.330.629.766.949.340.726.759.9
   Premiums Ceded-49.2-26.5-12.0-17.6-51.0-29.9-24.3-14.8-41.1
Other Income7.46.05.912.37.78.35.311.313.1
   Commission Income5.72.34.76.35.42.43.55.510.8
   Other Direct Income0.880.070.110.000.820.000.270.000.39
   Income from Investments & Loans0.283.10.785.71.35.81.25.81.5
   Net Gain/(Loss) on Fair Value Changes0.12-0.190.010.150.000.000.000.000.10
   Net Realised Gains/(Losses)0.000.270.12-0.200.000.000.000.000.03
   Other Income0.400.430.230.280.170.090.390.010.35
Total Income26.525.824.524.323.627.721.723.231.9
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 Ceded9.87.84.94.511.88.15.05.05.2
   Gross Change in Contract Liabilities16.7-10.0-2.7-30.41.64.7-20.7-50.7-6.5
   Change in Contract Liabilities Ceded to Reinsurers-21.716.50.6931.10.29-9.020.849.79.7
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-0.03-0.09-0.21-0.210.00-0.10-0.21-0.19-0.05
   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-1.6-1.50.000.00-2.40.000.000.00-5.1
   Other Operating Expenses-2.3-1.2-0.63-2.1-4.7-2.4-1.9-1.6-2.3
   Finance Cost-0.02-0.09-0.170.000.00-0.030.00-0.15-0.09
Total Expenses-21.5-13.0-14.6-15.3-21.9-16.3-12.5-15.2-17.7
Profit Before Tax5.012.79.99.01.711.59.18.014.2
Net Profit for the Year3.58.97.36.31.28.06.45.69.9
   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. 581.50 and Rs. 609.90, finishing at Rs. 584.90 on 2026-10-12 against Rs. 602.90 on 2026-09-18.

DateOpenHighLowCloseVolume
2026-10-12582.00587.00580.30584.903,397
2026-10-09580.00589.90580.00581.509,100
2026-10-08587.00587.00580.00583.002,300
2026-10-07589.60589.70580.10587.007,503
2026-10-06594.00595.00582.10589.702,605
2026-10-05585.00590.00580.40585.003,103
2026-10-02584.10595.00584.00585.004,007
2026-10-01590.00591.00585.00590.005,275
2026-09-30595.00595.00586.00590.003,864
2026-09-29595.00595.00589.00594.003,895
2026-09-28592.00605.00590.20591.0011,676
2026-09-24601.90601.90590.00592.008,386
2026-09-23606.40606.40596.00601.902,657
2026-09-22605.00610.00602.00609.9010,612
2026-09-18593.90603.90593.00602.904,527

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.

YearLow (Rs.)High (Rs.)Sessions
2026564.40743.40181
2025579.58848.86225
2024524.72867.73232
2023323.76663.89226
2022263.67591.97151
2021359.91730.22228
2020177.10401.61184
2019157.78259.53244
2018197.14332.04234
2017170.12441.70229
2016123.58367.10197
201587.06127.50104

Prabhu Insurance share price returns

At Rs. 584.90 on 2026-10-12, PRIN is down 0.02% over 1 week, down 1.22% over 1 month, down 13.73% over 3 months, down 15.31% over 6 months, down 2.19% over 1 year and up 21.19% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

PeriodReturnFrom price (Rs.)From date
1 week-0.02%585.002026-10-05
1 month-1.22%592.102026-09-11
3 months-13.73%678.002026-07-14
6 months-15.31%690.602026-04-15
1 year-2.19%597.982025-10-12
5 years+21.19%482.622021-10-11

PRIN floorsheet for 2026-10-12

PRIN traded 41 times on 2026-10-12, moving 3,397 shares for Rs. 0.2 crore of turnover. Trades went through between Rs. 564.60 and Rs. 587.00.

Largest buyers by volume: broker 62, Capital Max Securities Limited on 1,436 shares across 14 trades, broker 36, Secured Securities Limited on 1,000 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 195 shares across 3 trades, broker 1, Kumari Securities Pvt. Limited on 193 shares across 3 trades, broker 28, Shree Krishna Securities Limited on 125 shares across 4 trades, broker 6, Agrawal Securities Pvt. Limited on 113 shares across 3 trades, broker 13, Thrive Brokerage House Pvt. Limited on 110 shares across 3 trades, broker 42, Sani Securities Company Limited on 100 shares across 2 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 50 shares across 3 trades and broker 43, South Asian Bulls Pvt.Limited on 30 shares across 1 trades.

Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 1,185 shares across 4 trades, broker 77, Nabil Stock Dealer Limited on 530 shares across 8 trades, broker 37, Swarnalaxmi Securities Pvt.Limited on 313 shares across 4 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 300 shares across 2 trades, broker 36, Secured Securities Limited on 219 shares across 6 trades, broker 17, ABC Securities Pvt. Limited on 175 shares across 2 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 162 shares across 3 trades, broker 22, Siprabi Securities Pvt. Limited on 150 shares across 2 trades, broker 51, Oxford Securities Pvt.Ltd on 100 shares across 1 trades and broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 86 shares across 2 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 yearBonus shareCash dividendAnnounced
2081/20828.7%2026-05-21
2080/208118%2025-06-23
2079/20804.75%2024-04-11
2078/20796.7%2023-02-15
2077/207811%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.

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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