Compare · Non Life Insurance
NICL vs SPIL
Nepal Insurance Co. and Siddhartha Premier Insurance, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Nepal Insurance Co. Ltd.
Siddhartha Premier Insurance Limited
Rs 100 became…
- NICLRs 100 becameRs 90.37−9.63% down in 1 year
- SPILRs 100 becameRs 96.14−3.86% down in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, NICL (Nepal Insurance Co. Ltd.) closed at Rs 450.50 and SPIL (Siddhartha Premier Insurance Limited) at Rs 610.50. Over the past year, Rs 100 in NICL became Rs 90 (−9.63%) and in SPIL Rs 96 (−3.86%), adjusted for bonus shares.
SPIL is the larger company by market value, Rs 1,713 crore against Rs 1,148 crore. Of the 13 non life insurance Punji covers, NICL is 8th by market value and SPIL 2nd. Cash dividends with a book closure in the last 12 months yield 1.40% on NICL and 4.10% on SPIL at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| NICLNon Life Insurance | SPILNon Life Insurance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 450.50 | 610.50 |
| Change, as NEPSE published | +1.24% up | −2.16% down |
| Rs 100 became, 1 year | Rs 90.37 | Rs 96.14, the higher figure |
| Return, 1 month | −2.07% down, the higher figure | −3.92% down |
| Return, 1 year | −9.63% down | −3.86% down, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 1,148 cr | Rs 1,713 cr, the higher figure |
| Listed shares | 2.55 crore | 2.81 crore, the higher figure |
| Promoter and public | Promoter 51.0%Public 49.0% | Promoter 51.0%Public 49.0% |
| Dividends | ||
| Cash dividend yield, 12 months | 1.40% | 4.10%, the higher figure |
| Latest declaration | 6.316% cash2081/82 | 25% cash2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 17.48 cr, the higher figure | Rs 11.14 cr |
| Shares traded, latest session | 13,233, the higher figure | 3,066 |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | NICL | SPIL |
|---|---|---|
| 2081/82 | 6.316% cash | 25% cash |
| 2080/81 | 0.79% cash · 15% bonus | 30% cash |
| 2079/80 | 0.526% cash · 10% bonus | 11% cash |
| 2078/79 | 0.421% cash · 8% bonus | 0.75% cash · 14.25% bonus |
| 2077/78 | 0.579% cash · 11% bonus | 0.75% cash · 14.25% bonus |
Against the non life insurance
Rank among the 13 non life insurance Punji covers (1st is the highest), and the sector median.
| NICL | Sector median | SPIL | |
|---|---|---|---|
| Return, 1 year | −9.63% 8th of 13 | Median −7.12% | −3.86% 4th of 13 |
| Cash dividend yield | 1.40% 4th of 9 | Median 1.23% | 4.10% 1st of 9 |
| Market value | Rs 1,148 cr 8th of 13 | Median Rs 1,227 cr | Rs 1,713 cr 2nd of 13 |
| Traded value, 30 days | Rs 17.48 cr 4th of 13 | Median Rs 13.44 cr | Rs 11.14 cr 10th of 13 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
NICL or SPIL: questions
Which is bigger, NICL or SPIL?
SPIL is larger by market value: Rs 1,713 crore, against Rs 1,148 crore for NICL, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, NICL or SPIL?
Over the past year, Rs 100 in NICL became Rs 90 (−9.63%) and in SPIL Rs 96 (−3.86%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, NICL or SPIL?
NICL last declared 6.316% cash for 2081/82; SPIL last declared 25% cash for 2081/82. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy NICL or SPIL?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: NICL stock page, SPIL stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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