NIVABUPA
CAUTIONNiva Bupa Health Insurance Company Limited
Insurance · NSE
↑ 65.2% vs fair value
52W Low
₹68
+27.4% from low
52W High
₹95
-9.7% from high
Valuation Gauge
Current Price
₹86
Fair Value
₹247
Fair Value Analysis
₹247
Loss-making company — EPS ₹-0.03, PAT ₹-8Cr, Revenue ₹6227Cr. Standard valuation formulas (DCF/Graham/Lynch) are not applicable for loss-making companies. Monitor for return to profitability.
P/B Multiple
100% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 8.0% is acceptable for Insurance sector (benchmark: 12%)
Debt & Leverage
D/E ratio of 0.1x is well within the Insurance sector norm of 3.0x — strong balance sheet
Valuation vs Peers
P/E of 112.7x is in line with the Insurance sector median of 108x — fairly valued
Cash Flow
Positive operating cash flow of ₹1,613 Cr — healthy for Insurance sector
Earnings Growth
5yr EPS CAGR of 24.7% is well above the Insurance sector average of 0.0% — strong growth
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-0.4%
Free cash flow / market cap
Revenue Growth (YoY)
+28.0%
Year-on-year revenue change
Profit Growth (YoY)
+67.5%
Year-on-year PAT change
Operating Cash Flow
₹905 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹0.7
P/E Ratio
112.7x
P/B Ratio
3.9x
ROE
8%
ROCE
—
Debt / Equity
0.07x
Beta
—
Div Yield
—
FCF (Cr)
₹1,613 Cr
Revenue (Cr)
₹5,691 Cr
EPS Growth 5Y
—
Mkt Cap (Cr)
₹14,748 Cr
52W High
₹95.2
52W Low
₹67.5
Book Value/Share
₹20.5
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹6.7K Cr | ₹125 Cr | 2.0% | ₹131 Cr | ₹0.71 |
| 2025-03-31 | ₹5.4K Cr | ₹78 Cr | 1.0% | ₹214 Cr | ₹1.17 |
| 2024-03-31 | ₹4.1K Cr | ₹-113 Cr | -3.0% | ₹82 Cr | — |
| 2023-03-31 | ₹2.9K Cr | ₹-330 Cr | -12.0% | ₹13 Cr | — |
| 2022-03-31 | ₹1.9K Cr | ₹-451 Cr | -24.0% | ₹-197 Cr | — |
| 2021-03-31 | ₹1.4K Cr | ₹-22 Cr | -2.0% | ₹-50 Cr | — |
| 2020-03-31 | ₹1.1K Cr | ₹-37 Cr | -3.0% | ₹-62 Cr | — |
| 2019-03-31 | ₹851 Cr | ₹-29 Cr | -3.0% | ₹-48 Cr | — |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Insurance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
General Insurance Corporation | ₹381.5 | ₹567.9 | +32.8% | 7.1 | 10.1% | UNDERVALUED |
New India Assurance | ₹163.8 | ₹157.6 | -3.9% | 19.3 | 3.4% | FAIRLY_VALUED |
Life Insurance Corporation Of India | ₹813.1 | ₹721.3 | -12.7% | 9.5 | 37.3% | FAIRLY_VALUED |
ICICI Lombard General Insurance | ₹1,830.8 | ₹616.5 | -197.0% | 33.2 | 17.9% | OVERVALUED |
Star Health Insurance | ₹522 | ₹132.6 | -293.6% | 52.9 | 6.0% | OVERVALUED |
Go Digit General Insurance | ₹310 | ₹58.5 | -429.7% | 52.9 | 11.7% | OVERVALUED |
HDFC Life Insurance | ₹615 | ₹106.6 | -477.1% | 68.5 | 11.3% | OVERVALUED |
ICICI Prudential Life Insurance | ₹521 | ₹88.3 | -490.0% | 48.3 | 12.6% | OVERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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