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

₹ 87.5 0.26%
05 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: 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]

Website BSE NSE
  • Market Cap ₹ 16,188 Cr.
  • Current Price ₹ 87.5
  • High / Low ₹ 91.4 / 67.5
  • Stock P/E 92.9
  • Book Value ₹ 20.5
  • Dividend Yield 0.00 %
  • ROCE 3.15 %
  • ROE 3.46 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has delivered good profit growth of 35.9% CAGR over last 5 years

Cons

  • Stock is trading at 4.27 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 5.20% 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.

Peer comparison

Financial Services Financial Services Insurance General Insurance

Part of Nifty 500 Multicap 50:25:25 Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 BSE Capital Markets & Insurance

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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 Sep 2025 Dec 2025 Mar 2026 Jun 2026
969 1,026 1,316 1,124 1,321 1,258 1,671 1,932 1,574 1,611 2,251 2,471
1,027 1,071 1,215 1,228 1,387 1,282 1,420 1,834 1,627 1,705 2,069 2,287
Operating Profit -58 -46 100 -103 -66 -24 251 98 -53 -94 182 184
OPM % -6% -4.4% 8% -9% -5.0% -1.9% 15% 5% -3.4% -6% 8% 7%
50 50 57 84 79 37 -45 -0 18 7 -1 -0
Interest 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -8 5 157 -19 13 13 206 98 -35 -88 181 184
Tax % 0% 0% 0% 0% 0% 0% 0% 27% 0% 0% 12% 25%
-8 5 157 -19 13 13 206 71 -35 -88 159 138
EPS in Rs 0.07 1.13 0.39 -0.19 -0.47 0.86 0.75
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
851 1,057 1,413 1,877 2,853 4,115 5,374 6,695 7,907
880 1,094 1,435 2,328 3,183 4,228 5,292 6,534 7,689
Operating Profit -29 -37 -22 -451 -330 -113 83 160 218
OPM % -3.4% -3.5% -1.5% -24% -12% -2.7% 1.5% 2.4% 2.8%
0 0 0 281 374 224 155 2 23
Interest 3 4 6 0 0 0 0 0 0
Depreciation 16 21 22 27 32 29 25 36 0
Profit before tax -48 -62 -50 -197 13 82 214 127 242
Tax % 0% 0% 0% 0% 0% 0% 0% -3%
-48 -62 -50 -197 13 82 214 131 174
EPS in Rs 1.17 0.71 0.95
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 36%
3 Years: 33%
TTM: 28%
Compounded Profit Growth
10 Years: %
5 Years: 36%
3 Years: 127%
TTM: -43%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 9%
Return on Equity
10 Years: %
5 Years: 3%
3 Years: 5%
Last Year: 3%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 981 1,126 1,350 1,409 1,511 1,700 1,827 1,847
Reserves -719 -780 -773 -903 -683 351 1,949 1,939
0 0 0 250 250 250 250 250
737 891 1,322 1,983 2,799 3,891 5,735 7,240
Total Liabilities 1,000 1,237 1,899 2,738 3,877 6,192 9,760 11,276
30 39 46 49 52 58 66 85
CWIP 2 2 2 1 4 1 9 3
Investments 816 1,067 1,622 2,401 3,366 5,458 8,175 9,670
152 129 230 287 455 675 1,510 1,518
Total Assets 1,000 1,237 1,899 2,738 3,877 6,192 9,760 11,276

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
257 338 593 813 1,654 905
-374 -723 -829 -1,882 -2,348 -961
280 374 280 1,110 771 -5
Net Cash Flow 164 -12 43 41 78 -62
Free Cash Flow 229 309 555 780 1,614 857
CFO/OP -1,180% -75% -180% -720% 2,000% 577%

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0
Working Capital Days -264 -270 -290 -341 -313 -298 -351 -354
ROCE % -19% -10% -30% 1% 5% 7% 3%

Insights

In beta
Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Claims Settlement Ratio
%

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GWP Contribution of New Retail Health Indemnity Policies with Sum Insured >= ₹1 million
%
Individual Agents
#
Network Hospitals
#
Number of Active Lives Insured
Million
Renewal Rate for Retail Health Indemnity Products
%
Retail Health Market Share
%
Preferred Partner Network (PPN) Hospitals
#

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

2 Recently
Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
55.98% 55.98% 55.43% 55.41% 55.36% 55.36% 55.30%
8.85% 8.90% 10.76% 10.72% 10.31% 10.60% 12.09%
9.82% 9.71% 15.06% 15.31% 16.04% 16.49% 16.17%
25.36% 25.42% 18.74% 18.57% 18.27% 17.56% 16.44%
No. of Shareholders 1,46,2551,36,0171,54,8831,58,5501,47,7181,35,3431,26,567

* 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

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