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The NEPSE Journal

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Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

All Articles — Page 237

2793 posts

NICA1 min read
NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base
NIC Asia Bank (NICA) reported Q4 FY 2024/25 revenue of Rs. 28.81 billion (-29.12% YoY) and net income of just Rs. 161.57 million, down sharply from Rs. 1.38 billion a year earlier. Margins remained thin with net profit margin at 0.56%. ROE dropped to 0.54% and EPS to Rs. 1.08, reflecting weak earnings. Asset quality worsened as NPLs rose to 6.28%, though capital adequacy improved to 14%. Market value per share closed at Rs. 420.05.
Sandeep Chaudhary22 Aug, 2025
NIMB1 min read
Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline
Nepal Investment Bank (NIMB) reported Q4 revenue of Rs. 36.10 billion (-11.22% YoY) but net income surged 29.9% to Rs. 6.75 billion, with margins strengthening to 18.72%. ROE stood at 10.57% and EPS at Rs. 19.80, reflecting robust profitability. NPL ratio inched up to 5.85%, but loan-loss coverage improved to 108.87%. Lower cost of funds and strong liquidity supported earnings. Market value per share rose to Rs. 231.02, highlighting investor confidence.
Sandeep Chaudhary22 Aug, 2025
NLIC2 min read
Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims
Nepal Life Insurance (NLIC) recorded Q4 revenue of Rs. 68.37 billion (+25.80% YoY) and net income of Rs. 603.26 million (+17.4% YoY). While profitability margins remain thin (net margin 0.88%), the company’s premium base expanded strongly with first-year premiums up 36.89% and renewal premiums up 13.38%. EPS stood at Rs. 6.68, while ROE was stable at 5.14%. Claims paid declined 25.29%, but outstanding claims rose 9.35%. With long-term investments crossing Rs. 206.91 billion, NLIC remains the market leader, though profitability challenges persist.
Sandeep Chaudhary22 Aug, 2025
NLICL2 min read
National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure
National Life Insurance (NLICL) posted Q4 revenue of Rs. 28.60 billion (+13.60% YoY) with net income of Rs. 412.84 million (+1.6% YoY). Margins remain thin, with net margin at 1.44%. EPS slipped to Rs. 7.54 vs. Rs. 8.11 last year, while ROE stood at 5.84%. Policy count dropped 4.91%, but premiums (first year, renewal, and single) showed strong growth. Claims paid rose 16.17% YoY, and outstanding claims increased 19.21%. Despite modest profits, market value (Rs. 623.58) remains well above book value (Rs. 129.72). Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025
SICL2 min read
Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims
Shikhar Insurance (SICL) reported Q4 revenue of Rs. 2.71 billion (+12.93% YoY) with net income of Rs. 452.72 million (-11.75% YoY). Margins narrowed, with net margin at 16.73% vs. 20.13% last year. EPS dropped to Rs. 15.49 from Rs. 19.33, while ROE eased to 8.04%. Policy renewals grew by 11.94%, though new policies contracted slightly. Claims paid fell by 13.66%, but outstanding claims rose 7.72%. Market value (Rs. 773.54) remains well above book value (Rs. 335.50), reflecting investor optimism despite weaker profitability. Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025
SNLI2 min read
Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease
Sun Nepal Life Insurance (SNLI) posted Q4 revenue of Rs. 5.35 billion (+3.72% YoY) with net income of Rs. 542.48 million (-5.65% YoY). Margins narrowed, with net profit margin at 10.14%. EPS stood at Rs. 10.83 vs. Rs. 14.51 last year. Policy count surged 37.54% YoY, while first-year premiums more than tripled. Despite rising claims and pending obligations, SNLI remains financially strong, with market value (Rs. 490.64) significantly above book value (Rs. 154.35). Dividend is pending.
Sandeep Chaudhary22 Aug, 2025
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UAIL2 min read
United Ajod Insurance Q4 Results: Revenue Stable but Profit Declines, Policy Growth Strong
United Ajod Insurance (UAIL) posted Q4 revenue of Rs. 1.74 billion (flat YoY) and net profit of Rs. 216.43 million (-44% YoY). Gross margin stood at 57.54%, while net margin declined to 12.40%. EPS fell to Rs. 9.37 vs. Rs. 18.35 last year, with ROE at 5.60%. Issued policies grew nearly 50%, and renewed policies rose 35.5%, but claims declined 11%. Despite weaker earnings, the stock trades at Rs. 571.56 vs. book value Rs. 193.77, reflecting investor optimism. Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025
WNLB2 min read
Wean Nepal Laghubitta Q4 Results: Revenue Contracts but Profit Returns to Positive Territory
Wean Nepal Laghubitta (WNLB) posted Q4 revenue of Rs. 106.38 million (-23.99% YoY) but returned to profitability with net income of Rs. 9.70 million, reversing earlier quarterly losses. EPS stood at Rs. 11.50 vs. Rs. 14.35 last year, while ROE came in at 10.36%. Asset quality showed pressure as NPL rose to 3.93% and loan-loss coverage fell to 47.07%. Despite weaker fundamentals, the stock trades at Rs. 2,105 vs. book value Rs. 137.95, indicating strong investor optimism. Dividend declaration is pending.
Sandeep Chaudhary22 Aug, 2025
TTL1 min read
Trade Tower Limited Q4 Results: Revenue Surges but Profitability Weakens
Trade Tower Limited (TTL) reported Q4 revenue of Rs. 194.71 million (+75.6% YoY), with gross profit of Rs. 72.57 million and a stable margin of 72.69%. However, net profit plunged to Rs. 0.13 million, with net margin at just 0.13%. EPS dropped to Rs. 0.02, while ROE fell to 0.04%. Despite revenue growth, profitability remains under heavy pressure, and no dividend has been declared.
Sandeep Chaudhary22 Aug, 2025
API1 min read
Api Power Q4 Results: Strong Revenue Growth with Steady Profitability Despite Margin Pressure
Api Power (API) posted Q4 revenue of Rs. 1.65 billion (+53.01% YoY), with gross profit of Rs. 1.37 billion (82.88% margin). Net income stood at Rs. 427.66 million, down from Rs. 456.58 million last year, with margins easing to 25.90%. EPS was Rs. 7.04, while ROE slipped to 6.49%. The stock trades at Rs. 295.92 vs. book value Rs. 111.07, reflecting investor optimism. Dividend for FY 2024/25 is pending.
Sandeep Chaudhary22 Aug, 2025

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All Articles — Page 237

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline

Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims

National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure

Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims

Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease

United Ajod Insurance Q4 Results: Revenue Stable but Profit Declines, Policy Growth Strong

Wean Nepal Laghubitta Q4 Results: Revenue Contracts but Profit Returns to Positive Territory

Trade Tower Limited Q4 Results: Revenue Surges but Profitability Weakens

Api Power Q4 Results: Strong Revenue Growth with Steady Profitability Despite Margin Pressure

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 237

NIC Asia Bank Q4 Results: Weak Profit Growth Despite Solid Revenue Base

Nepal Investment Bank Q4 Results: Strong Profitability Amid Revenue Decline

Nepal Life Insurance Q4: Strong Revenue Growth, Stable Profitability Despite Rising Claims

National Life Insurance Q4 Results: Revenue Growth Steady, Profit Margins Under Pressure

Shikhar Insurance Q4 Results: Revenue Growth Sustained, Profit Margins Ease Amid Rising Claims

Sun Nepal Life Insurance Q4 Results: Strong Revenue Growth but Margins Ease

United Ajod Insurance Q4 Results: Revenue Stable but Profit Declines, Policy Growth Strong

Wean Nepal Laghubitta Q4 Results: Revenue Contracts but Profit Returns to Positive Territory

Trade Tower Limited Q4 Results: Revenue Surges but Profitability Weakens

Api Power Q4 Results: Strong Revenue Growth with Steady Profitability Despite Margin Pressure