Niva Bupa Health Insurance Company Ltd

Niva Bupa Health Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Niva Bupa Health Insurance Company Ltd

₹ 81.5 -0.06%
29 Aug - close price
nivabupa.com BSE: 544286 NSE: NIVABUPA
About

Incorporated in 2008, Niva Bupa Health Insurance Ltd is a Tech driven leading health insurer in India.[1]

Key Points

Leading Insurance Company[1] Niva Bupa is the 3rd largest and the 2nd fastest growing standalone health insurer (SAHI) in India based on overall health gross direct premium income (GDPI) of Rs 5,494.43 crore in FY24 with an overall market share of 5.1%.

Website BSE NSE
  • Market Cap ₹ 15,046 Cr.
  • Current Price ₹ 81.5
  • High / Low ₹ 109 / 61.0
  • Stock P/E 107
  • Book Value ₹ 16.7
  • Dividend Yield 0.00 %
  • ROCE 7.45 %
  • ROE 8.18 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has delivered good profit growth of 40.1% CAGR over last 5 years

Cons

  • Stock is trading at 4.87 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -0.55%
  • Tax rate seems low
  • Company has a low return on equity of 6.41% over last 3 years.
  • Earnings include an other income of Rs.72.5 Cr.

* 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.

Peer comparison

Financial Services Financial Services Insurance General Insurance

Part of Nifty 500 BSE SmallCap BSE IPO BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
969 1,026 1,316 1,124 1,321 1,258 1,671 1,371
1,027 1,071 1,215 1,228 1,387 1,282 1,420 1,464
Operating Profit -58 -46 100 -103 -66 -24 251 -93
OPM % -6% -4% 8% -9% -5% -2% 15% -7%
50 50 57 84 79 37 -45 2
Interest 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0
Profit before tax -8 5 157 -19 13 13 206 -91
Tax % 0% 0% 0% 0% 0% 0% 0% 0%
-8 5 157 -19 13 13 206 -91
EPS in Rs 0.07 1.13 -0.50
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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 5,621
880 1,094 1,435 2,328 3,183 4,228 5,296 5,553
Operating Profit -29 -37 -22 -451 -330 -113 78 68
OPM % -3% -3% -2% -24% -12% -3% 1% 1%
0 0 0 281 374 224 160 72
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 82 214 141
Tax % 0% 0% 0% 0% 0% 0% 0%
-48 -62 -50 -197 13 82 214 141
EPS in Rs 1.17
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 38%
3 Years: 42%
TTM: 27%
Compounded Profit Growth
10 Years: %
5 Years: 40%
3 Years: 45%
TTM: 4%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
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
Equity Capital 981 1,126 1,350 1,409 1,511 1,700 1,827
Reserves -719 -780 -773 -903 -683 351 1,231
0 0 0 250 250 250 250
737 891 1,322 1,983 2,799 3,891 6,452
Total Liabilities 1,000 1,237 1,899 2,738 3,877 6,192 9,760
30 39 46 49 52 58 66
CWIP 2 2 2 1 4 1 9
Investments 816 1,067 1,622 2,401 3,366 5,458 8,175
152 129 230 287 455 675 1,510
Total Assets 1,000 1,237 1,899 2,738 3,877 6,192 9,760

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%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2024Mar 2025Jun 2025
55.98% 55.98% 55.43%
8.85% 8.90% 10.76%
9.82% 9.71% 15.06%
25.36% 25.42% 18.74%
No. of Shareholders 1,46,2551,36,0171,54,883

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls