NEPSE trading

CLI
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By Sandeep Chaudhary

Citizen Life Insurance Q4 Reports Strong Growth in Premium Income and Steady Profitability

Citizen Life Insurance Q4 Reports Strong Growth in Premium Income and Steady Profitability

Citizen Life Insurance Company Limited (CLI) has released its audited financials for Q4 of FY 2024/25, reflecting notable growth in premium collections, a solid asset base, and stable profitability despite rising claims and policy contraction.

The company recorded total revenue of Rs. 9.19 billion, representing a 23.69% year-over-year growth compared to Rs. 7.54 billion in Q4 2023/24. Revenue growth remained consistent across quarters, supported by strong premium income. Gross profit for the quarter reached Rs. 1.30 billion, maintaining a margin of 14.15%, broadly in line with historical trends.

Net income stood at Rs. 425 million, up from Rs. 324.77 million last year, with a net margin of 4.62%. While profit margins are modest relative to revenues, the absolute growth in earnings highlights improved operational efficiency. EPS (annualized) was Rs. 8.50, slightly above last year’s Rs. 8.25, though lower compared to mid-year peaks. The PE ratio stood at 55.79, reflecting elevated investor expectations.

Book value per share was Rs. 148.71, slightly improved from last quarter but lower than last year’s Rs. 176.96 due to expansion-driven adjustments. The market value per share closed at Rs. 474.24, down from Q2 highs of Rs. 731, indicating price correction in the insurance sector.

Insurance Operations

On the insurance business front, CLI showed remarkable strength:

  • First Year Premium surged to Rs. 2.39 billion, up 22.02% YoY, signaling strong new business growth.

  • Single Premium doubled to Rs. 698.65 million, reflecting growing demand for one-time policies.

  • Renewal Premiums rose to Rs. 5.15 billion, up 21.18% YoY, showing sustained customer retention.

Despite these achievements, challenges remain. The total number of enforced policies fell to 969,770, a drop of 18.44% YoY, indicating rising lapse rates or policy exits. Claims and benefits paid increased moderately to 7,911 cases, while outstanding claims rose sharply by 82%, pointing to pressure on claims management.

The company’s investment portfolio remained robust, with long-term investments at Rs. 18.08 billion and short-term investments at Rs. 5.95 billion, ensuring a solid base for future returns.

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