National Life Insurance Co. (XNEP:NLICL) ROE % Adjusted to Book Value: 2.12% (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. ROE % Adjusted to Book Value?

National Life Insurance Co. XNEP:NLICL -1.40% 98 ROE % Adjusted to Book Value is 2.12% 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.

National Life Insurance Co.'s ROE % for the quarter that ended in Apr. 2026 was 6.59%. National Life Insurance Co.'s PB Ratio for the quarter that ended in Apr. 2026 was 3.11. National Life Insurance Co.'s ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 was 2.12%.


National Life Insurance Co. ROE % Adjusted to Book Value Related Terms


National Life Insurance Co. ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for National Life Insurance Co.'s ROE % Adjusted to Book Value 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. ROE % Adjusted to Book Value Chart

National Life Insurance Co. Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.75 0.66 3.09 2.87 2.75

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
ROE % Adjusted to Book Value 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 0.61 1.79 3.23 2.12

XNEP:NLICL vs AFL, MET, PRU: ROE % Adjusted to Book Value Comparison

For the Insurance - Life subindustry, National Life Insurance Co.'s ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


National Life Insurance Co. ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, National Life Insurance Co.'s ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where National Life Insurance Co.'s ROE % Adjusted to Book Value falls into.


XNEP:NLICL
98GF Score
National Life Insurance Co. Ltd XNEP:NLICL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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National Life Insurance Co. ROE % Adjusted to Book Value Calculation

National Life Insurance Co.'s ROE % Adjusted to Book Value for the fiscal year that ended in Jul. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.73% / 3.90
=2.75%

National Life Insurance Co.'s ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.59% / 3.11
=2.12%

* 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.

What does a ROE % Adjusted to Book Value of 2.12% mean?
National Life Insurance Co. (XNEP:NLICL) has a ROE % Adjusted to Book Value of 2.12% as of Apr. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on National Life Insurance Co. and its competitors.
Is National Life Insurance Co.'s ROE % Adjusted to Book Value too high?
National Life Insurance Co.'s current ROE % Adjusted to Book Value is 2.12%. 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 ROE % Adjusted to Book Value compare to AFL and MET?
National Life Insurance Co.'s ROE % Adjusted to Book Value of 2.12% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on National Life Insurance Co. and its competitors. National Life Insurance Co.'s current ROE % Adjusted to Book Value is 2.12%. 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 ROE % Adjusted to Book Value is 2.12%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For National Life Insurance Co. (XNEP:NLICL), the current ROE % Adjusted to Book Value is 2.12% 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:

  • ROE % Adjusted to Book Value: 2.12%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR562.00
Price
NPR630.64
GF Value