Nepal Life Insurance Co (XNEP:NLIC) Scaled Net Operating Assets: 0.07 (As of Apr. 2026)

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XNEP:NLIC Nepal Life Insurance Co Ltd XNEP:NLIC
89 GF Score
Price NPR758.00
GF Value NPR1,378.40
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Nepal Life Insurance Co Scaled Net Operating Assets?

Nepal Life Insurance Co XNEP:NLIC -1.43% 89 Scaled Net Operating Assets is 0.07 as of Apr. 2026. GuruFocus rates XNEP:NLIC with a GF Score™ of 89/100 and a GF Value™ of NPR1,378.40 (Significantly Undervalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Nepal Life Insurance Co's operating assets for the quarter that ended in Apr. 2026 was NPR290,411 Mil. Nepal Life Insurance Co's operating liabilities for the quarter that ended in Apr. 2026 was NPR270,113 Mil. Nepal Life Insurance Co's Total Assets for the quarter that ended in Jan. 2026 was NPR272,696 Mil. Therefore, Nepal Life Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.07.

XNEP:NLIC
89GF Score
Nepal Life Insurance Co Ltd XNEP:NLIC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal Life Insurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Nepal Life Insurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jul. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jul. 2025 )
=(Operating Assets (A: Jul. 2025 )-Operating Liabilities (A: Jul. 2025 ))/Total Assets (A: Jul. 2024 )
=(240048.311-238227.999)/213703.43
=0.01

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=251775.021 - 11726.71
=240048.311

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=238571.565 - 343.566 - 0
=238227.999

Nepal Life Insurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Apr. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Apr. 2026 )
=(Operating Assets (Q: Apr. 2026 )-Operating Liabilities (Q: Apr. 2026 ))/Total Assets (Q: Jan. 2026 )
=(290411.143-270112.895)/272695.861
=0.07

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=294069.148 - 3658.005
=290411.143

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=281871.811 - 11758.916 - 0
=270112.895

* 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 Scaled Net Operating Assets of 0.07 mean?
Nepal Life Insurance Co (XNEP:NLIC) has a Scaled Net Operating Assets of 0.07 as of Apr. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Nepal Life Insurance Co and its competitors.
Is Nepal Life Insurance Co's Scaled Net Operating Assets too high?
Nepal Life Insurance Co's current Scaled Net Operating Assets is 0.07. Overall, Nepal Life Insurance Co has a GF Score™ of 89/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nepal Life Insurance Co's Scaled Net Operating Assets compare to AFL and MET?
Nepal Life Insurance Co's Scaled Net Operating Assets of 0.07 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Nepal Life Insurance Co and its competitors. Nepal Life Insurance Co's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Nepal Life Insurance Co (XNEP:NLIC) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR1,378.40, compared to a current price of NPR758.00 — trading 45% below its estimated fair value. The current Scaled Net Operating Assets is 0.07. Nepal Life Insurance Co's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Nepal Life Insurance Co (XNEP:NLIC), the current Scaled Net Operating Assets is 0.07 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 Nepal Life Insurance Co (XNEP:NLIC) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal Life Insurance Co stock appears to be undervalued. The current stock price of NPR758.00 is trading 45% below its estimated GF Value™ of NPR1,378.40. GuruFocus considers Nepal Life Insurance Co to be Significantly Undervalued.

Key valuation signals for XNEP:NLIC:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: NPR1,378.40 vs. price of NPR758.00 (45% below fair value)
  • GF Score™: 89/100 with 5 warning signs

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

Nepal Life Insurance Co Business Description

Address Kamaladi, Baluwatar Complex, Kathmandu, NPL
Nepal Life Insurance Co Ltd is a Nepal based life insurance company. The company's operating segments include Endowment Life, Money Back, Jeevan Sahara, Jeevan Sarathi, and Term Life Insurance Policy. Company includes various product's like Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana, Sunaulo Bhabisya Jeevan Beema Yojana, Jeevan Unnati Beema Yojana, Naulo Jeevan Sambriddhi Jeevan Beema Yojana, Anmol Jeevan Beema Yojana, iEnsure Jeevan Beema Yojana, Gramin Sawadhik Jeevan Beema Yojana and many more.
89GF Score

Get the complete analysis for XNEP:NLIC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR758.00
Price
NPR1,378.40
GF Value