National Life Insurance Co. (XNEP:NLICL) LT-Debt-to-Total-Asset: 0.00 (As of Apr. 2026)

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XNEP:NLICL National Life Insurance Co. Ltd XNEP:NLICL
98 GF Score
Price NPR562.00
GF Value NPR630.64
Valuation Modestly Undervalued
! 5 Warning Signs
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What is National Life Insurance Co. LT-Debt-to-Total-Asset?

National Life Insurance Co. XNEP:NLICL -1.40% 98 LT-Debt-to-Total-Asset is 0.00 as of Apr. 2026. GuruFocus rates XNEP:NLICL with a GF Score™ of 98/100 and a GF Value™ of NPR630.64 (Modestly Undervalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. National Life Insurance Co.'s long-term debt to total assests ratio for the quarter that ended in Apr. 2026 was 0.00.

National Life Insurance Co.'s long-term debt to total assets ratio increased from Apr. 2025 (0.00) to Apr. 2026 (0.00). It may suggest that National Life Insurance Co. is progressively becoming more dependent on debt to grow their business.

National Life Insurance Co.  (XNEP:NLICL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

National Life Insurance Co. LT-Debt-to-Total-Asset Related Terms

National Life Insurance Co. LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for National Life Insurance Co.'s LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Life Insurance Co. LT-Debt-to-Total-Asset Chart

National Life Insurance Co. Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

National Life Insurance Co. Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
XNEP:NLICL
98GF Score
National Life Insurance Co. Ltd XNEP:NLICL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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National Life Insurance Co. LT-Debt-to-Total-Asset Calculation

National Life Insurance Co.'s Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jul. 2025 is calculated as

LT Debt to Total Assets (A: Jul. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jul. 2025 )/Total Assets (A: Jul. 2025 )
=296.988/112865.349
=0.00

National Life Insurance Co.'s Long-Term Debt to Total Asset Ratio for the quarter that ended in Apr. 2026 is calculated as

LT Debt to Total Assets (Q: Apr. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Apr. 2026 )/Total Assets (Q: Apr. 2026 )
=100/122140.189
=0.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.00 mean?
National Life Insurance Co. (XNEP:NLICL) has a LT-Debt-to-Total-Asset of 0.00 as of Apr. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on National Life Insurance Co. and its competitors.
Is National Life Insurance Co.'s LT-Debt-to-Total-Asset too high?
National Life Insurance Co.'s current LT-Debt-to-Total-Asset is 0.00. Overall, National Life Insurance Co. has a GF Score™ of 98/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance Co.'s LT-Debt-to-Total-Asset compare to AFL and MET?
National Life Insurance Co.'s LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on National Life Insurance Co. and its competitors. National Life Insurance Co.'s current LT-Debt-to-Total-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance Co. stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance Co. (XNEP:NLICL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR630.64, compared to a current price of NPR562.00 — trading 10.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. National Life Insurance Co.'s overall GF Score™ is 98/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For National Life Insurance Co. (XNEP:NLICL), the current LT-Debt-to-Total-Asset is 0.00 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Life Insurance Co. (XNEP:NLICL) Overvalued in 2026?

Based on GuruFocus' analysis, National Life Insurance Co. stock appears to be undervalued. The current stock price of NPR562.00 is trading 10.9% below its estimated GF Value™ of NPR630.64. GuruFocus considers National Life Insurance Co. to be Modestly Undervalued.

Key valuation signals for XNEP:NLICL:

  • LT-Debt-to-Total-Asset: 0.00
  • GF Value™: NPR630.64 vs. price of NPR562.00 (10.9% below fair value)
  • GF Score™: 98/100 with 5 warning signs

No single metric tells the full story. See the XNEP:NLICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Life Insurance Co. Business Description

Address Ward No.2, Lazimpat, P.O. Box: 4332, Kathmandu Mahanagarpalika, Kathmandu, NPL, 1215
National Life Insurance Co. Ltd is engaged in the life insurance business, providing various life insurance products including participating and non-participating products through its province offices, branches, sub-branches, and network of agents. The company's offerings include individual plans, which consist of Endowment Assurance Plan, Childrens Plans, Money Back Plans, Whole Life Plans, Terms Assurance Plans, Retirement Plan and Single Premium Plan. The operating segments of the company include Endowment, Anticipated Endowment, Endowment Cum Whole Life, Foreign Employment Term, and Special Term. The company's main source of revenue is Premium Income, with the majority generated from endowment plans.
98GF Score

Get the complete analysis for XNEP:NLICL

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR562.00
Price
NPR630.64
GF Value