Niva Bupa Health Insurance Company Ltd
₹ 78.4
-0.46%
04 Feb
- close price
About
Incorporated in 2008, Niva Bupa Health Insurance Ltd is a Tech driven leading health insurer in India.[1]
Key Points
- Market Cap ₹ 14,489 Cr.
- Current Price ₹ 78.4
- High / Low ₹ 95.2 / 61.0
- Stock P/E
- Book Value ₹ 0.00
- Dividend Yield 0.00 %
- ROCE 7.45 %
- ROE 8.18 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 6.41% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Loading peers table ...
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 851 | 1,057 | 1,413 | 1,877 | 2,853 | 4,115 | 5,374 | 6,227 | |
| 880 | 1,094 | 1,435 | 2,328 | 3,183 | 4,228 | 5,296 | 6,217 | |
| Operating Profit | -29 | -37 | -22 | -451 | -330 | -113 | 78 | 10 |
| OPM % | -3% | -3% | -2% | -24% | -12% | -3% | 1% | 0% |
| 0 | 0 | 0 | 281 | 374 | 224 | 160 | -18 | |
| Interest | 3 | 4 | 6 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 16 | 21 | 22 | 27 | 32 | 29 | 25 | 0 |
| Profit before tax | -48 | -62 | -50 | -197 | 13 | 82 | 214 | -8 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | |
| -48 | -62 | -50 | -197 | 13 | 82 | 214 | -8 | |
| EPS in Rs | 1.17 | -0.03 | ||||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 38% |
| 3 Years: | 42% |
| TTM: | 24% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 40% |
| 3 Years: | 45% |
| TTM: | -105% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -4% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 1% |
| 3 Years: | 6% |
| Last Year: | 8% |
Balance Sheet
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 981 | 1,126 | 1,350 | 1,409 | 1,511 | 1,700 | 1,827 | 1,846 |
| Reserves | -719 | -780 | -773 | -903 | -683 | 351 | 1,231 | 1,959 |
| 0 | 0 | 0 | 250 | 250 | 250 | 250 | 250 | |
| 737 | 891 | 1,322 | 1,983 | 2,799 | 3,891 | 6,452 | 6,595 | |
| Total Liabilities | 1,000 | 1,237 | 1,899 | 2,738 | 3,877 | 6,192 | 9,760 | 10,650 |
| 30 | 39 | 46 | 49 | 52 | 58 | 66 | 81 | |
| CWIP | 2 | 2 | 2 | 1 | 4 | 1 | 9 | 0 |
| Investments | 816 | 1,067 | 1,622 | 2,401 | 3,366 | 5,458 | 8,175 | 8,482 |
| 152 | 129 | 230 | 287 | 455 | 675 | 1,510 | 2,088 | |
| Total Assets | 1,000 | 1,237 | 1,899 | 2,738 | 3,877 | 6,192 | 9,760 | 10,650 |
Cash Flows
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| 257 | 338 | 593 | 813 | 1,654 | |||
| -374 | -723 | -829 | -1,882 | -2,348 | |||
| 280 | 374 | 280 | 1,110 | 771 | |||
| Net Cash Flow | 164 | -12 | 43 | 41 | 78 |
Ratios
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | |||||||
| Days Payable | |||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -264 | -270 | -290 | -341 | -313 | -298 | -351 |
| ROCE % | -19% | -10% | -30% | 1% | 5% | 7% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
1d - Transcript of the Earnings call held on January 29, 2026.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - Copy of Newspaper publication of Unaudited Financial Results for the quarter and nine months ended December 31, 2025.
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
29 Jan - Audio recording of Jan 29, 2026 earnings call for quarter and nine months ended Dec 31, 2025 hosted online.
-
Disclosure Under Regulation 30(5) Of The SEBI (LODR) Regulations, 2015
29 Jan - Board authorized three KMPs (Krishnan Ramachandran MD&CEO; Vishwanath Mahendra CFO; Aparna Sharma CS) to determine materiality and disclose.
-
Announcement Under Regulation 30- Unaudited Interim Condensed IFRS Financial Statements For The Period Ended December 31, 2025.
29 Jan - Unaudited IFRS nine-months to Dec 31, 2025: Profit Rs20,831 lakh; revenue Rs5,71,292 lakh; EOM excess Rs2,457 lakh.
Concalls
-
Feb 2026Transcript PPT
-
Nov 2025Transcript PPT REC
-
Aug 2025Transcript PPT
-
May 2025Transcript PPT
-
Feb 2025Transcript PPT REC
-
Nov 2024Transcript PPT
Leading Insurance Company: Niva Bupa Health Insurance is one of the major players among private standalone health insurers in India. In FY25, the company held a gross direct premium income (GDPI) market share of ~5.31% in the health insurance segment and 17.59% among standalone private health insurers. Co received its license from the IRDAI on Feb 15, 2010 and commenced operations in Mar 2010.[1]