UAIL2 min readUnited Ajod Insurance Q4 Results: Revenue Stable but Profit Declines, Policy Growth StrongUnited 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 Chaudhary·22 Aug, 2025
WNLB2 min readWean Nepal Laghubitta Q4 Results: Revenue Contracts but Profit Returns to Positive TerritoryWean 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 Chaudhary·22 Aug, 2025
TTL1 min readTrade Tower Limited Q4 Results: Revenue Surges but Profitability WeakensTrade 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 Chaudhary·22 Aug, 2025
API1 min readApi Power Q4 Results: Strong Revenue Growth with Steady Profitability Despite Margin PressureApi 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 Chaudhary·22 Aug, 2025
BNL1 min readBottlers Nepal (Balaju) Q4 Results: Revenue Slips and Heavy Losses Despite Strong Brand PremiumBottlers Nepal (Balaju) (BNL) reported Q4 revenue of Rs. 10.96 billion (-4.54% YoY) and a net loss of Rs. 400.60 million, reversing from Rs. 395.86 million profit last year. Gross profit stood at Rs. 2.73 billion with margins at 24.88%. EPS slumped to -Rs. 205.55, while ROE dropped to -6.16%. Despite losses, the stock trades at Rs. 17,498 vs. book value Rs. 3,184.34, reflecting strong investor faith in its global brand and long-term market positioning. Dividend remains unannounced.Sandeep Chaudhary·22 Aug, 2025
BNT1 min readBottlers Nepal (Terai) Q4 Results: Revenue Decline and Heavy Losses Despite Strong Market ValueBottlers Nepal (Terai) (BNT) posted Q4 revenue of Rs. 7.70 billion (-7.77% YoY) with gross profit of Rs. 1.74 billion (22.61% margin). However, the company reported a net loss of Rs. 607.57 million, reversing from a profit of Rs. 360.86 million last year. EPS collapsed to -Rs. 502.13, with ROE at -14.96%. Despite weak fundamentals, the stock trades at Rs. 12,800 vs. book value Rs. 2,920.77, showing investor confidence in its long-term brand power. Dividend for FY 2024/25 is pending.Sandeep Chaudhary·22 Aug, 2025
NIL2 min readNeco Insurance Q4 Results: Revenue Declines but Profit Margins Stay StrongNeco Insurance (NIL) posted Q4 revenue of Rs. 2.42 billion (-21.23% YoY), with gross profit of Rs. 1.49 billion (61.62% margin). Net profit was Rs. 550.83 million, down from Rs. 685.71 million last year, though margins remained strong at 22.73%. EPS stood at Rs. 21.90, with ROE at 9.71%. Renewed policies rose 16.98% YoY, but claims increased 13.79%. The stock trades at Rs. 710.36 vs. book value Rs. 285.75, reflecting investor optimism. Dividend declaration is pending.Sandeep Chaudhary·22 Aug, 2025
ILI2 min readIME Life Insurance Q4 Results: Strong Revenue Growth, Higher Premium Inflows, and Steady ProfitabilityIME Life Insurance (ILI) posted Q4 revenue of Rs. 6.98 billion (+25.42% YoY) and net income of Rs. 583.30 million, with profit margin at 8.35%. EPS improved to Rs. 11.67, while ROE strengthened to 8.10%. Premium growth remained strong with first-year premiums up 22.95% and renewal premiums up 17.32%, but claims rose 30.69% YoY. Outstanding claims dropped significantly, showing better settlement efficiency. The stock trades at Rs. 462.02 vs. book value Rs. 138.58, reflecting solid investor sentiment. Dividend for FY 2024/25 is awaited.Sandeep Chaudhary·22 Aug, 2025
SANVI1 min readSanvi Energy Q4 Results: Strong Revenue Growth and Improved ProfitabilitySanvi Energy Limited (SANVI) reported Q4 revenue of Rs. 231.08 million, up from Rs. 145.47 million in Q3. Gross profit was Rs. 211.55 million, with a strong 91.55% margin. Net income improved to Rs. 27.64 million, with profit margin rising to 11.96%. EPS stood at Rs. 3.14, while book value per share was Rs. 113.96. The company continues to demonstrate strong cost efficiency and growing profitability. Dividend declaration is pending.Sandeep Chaudhary·22 Aug, 2025
SRLI2 min readSanima Reliance Life Q4 Results: Revenue Growth, Strong Premium Collections but Lower Policy RetentionSanima Reliance Life Insurance (SRLI) posted Q4 revenue of Rs. 8.48 billion (+10.11% YoY) and net income of Rs. 377.49 million, with a net margin of 4.45%. Premium inflows were strong, with first-year premiums up 13.15% and renewal premiums up 13.25%, while single premium nearly doubled (+96.86%). However, enforced policies declined 32.36% YoY, and outstanding claims increased. EPS stood at Rs. 7.53, with the stock trading at Rs. 410.19 versus book value of Rs. 111.59. Dividend is awaited.Sandeep Chaudhary·22 Aug, 2025