The New India Assurance Company Limited NIACL NIFTY_MIDNSEFINANCIALPSU

Financial Services · Insurance - Diversified · India

https://www.newindia.co.in

The New India Assurance Company Limited, together with its subsidiaries, operates as a general insurance company in India and internationally. The company provides credit, engineering, aviation, property, personal accident, liability, marine cargo, marine hull, fire, travel, motor, health, employers liability, rural, product / public liability, other liability, social sector, and miscellaneous insurance products. It also offers crop, cattle, sheep, goat, poultry, horticulture/plantation, and micro insurance products, as well as insurance for agriculture solar pump sets. In addition, it offers bancassurance and reinsurance products, and government schemes. The New India Assurance Company Limited was incorporated in 1919 and is headquartered in Mumbai, India.

Market & Price

Market Cap

₹25,942.82 Cr

Current Price

₹157.42

High / Low (52W)

₹202.51 / ₹117.82

Beta

1.19

Valuation

Stock P/E

18.39

Industry PE

19.12

Forward P/E

8.14

PEG Ratio

Book Value

₹234.30

Price to Book

0.67

P/S

0.52

EV/EBITDA

2.98

Dividend Yield

0.95%

Profitability & Returns

ROCE

ROE

3.42%

ROA

1.25%

Profit Margin

2.84%

Op Margin

5.45%

EPS (Latest Qtr)

₹3.51

EPS (TTM)

₹8.56

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

0.27

Current Ratio

0.43

Debt

₹0

Total Assets

₹1.10 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

85.44%

Chg in Prom Hold

FII / Inst Holding

10.85%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹6,681.03 Cr

Total Revenue (TTM)

₹49,757.64 Cr

EBITDA

₹2,246.03 Cr

Free Cash Flow

₹8,931.85 Cr

Operating Cash Flow

₹-4,532.06 Cr

Shares Outstanding

₹164.80 Cr

Gross Margin

15.74%

Payout Ratio

21.00%

Growth (CAGR)

Revenue 5Y

5.36%

Profit 5Y

10.45%

Revenue (YoY)

13.70%

Earnings (YoY)

60.80%

PROS

Profit CAGR of 10.5% over 5 years.
Generates positive free cash flow.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	NIACL The New India Assurance Company Limited NIFTY_MIDNSEFINANCIALPSU	157.42	18.39	₹25,942.82 Cr	0.95%	-	3.42%	5.36%	10.45%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	11,615.12 Cr	11,703.43 Cr	13,426.68 Cr	12,046.24 Cr	12,518.26 Cr
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-
Pretax Income	-	-	502.36 Cr	391.13 Cr	23.35 Cr	372.22 Cr	446.13 Cr
Tax Provision	-	-	180.79 Cr	-1.27 Cr	3.25 Cr	-4.69 Cr	-118.03 Cr
Net Income	-	-	358.54 Cr	400.33 Cr	54.06 Cr	379.95 Cr	577.92 Cr
Diluted EPS	-	-	2.18	2.43	0.33	2.31	3.51

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	41,834.87 Cr	44,269.08 Cr	43,467.77 Cr	48,934.52 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	211.96 Cr	1,293.77 Cr	1,472.20 Cr	1,122.73 Cr	-
EBITDA	-	-	-	-	-
Interest Expense	34.35 Cr	37.31 Cr	60.10 Cr	100.23 Cr	-
Pretax Income	-	1,256.46 Cr	1,412.10 Cr	1,022.50 Cr	1,232.83 Cr
Tax Provision	-	195.17 Cr	320.98 Cr	50.28 Cr	-120.74 Cr
Net Income	-	1,048.00 Cr	1,116.48 Cr	1,036.63 Cr	1,412.26 Cr
Diluted EPS	1.18	6.36	6.77	6.29	-

Compounded Sales Growth

5 Years:	5.36%
1 Year:	13.70%

Compounded Profit Growth

5 Years:	10.45%
1 Year:	60.80%

Stock Price Performance

1 Year:	-15.09%
6 Months:	-8.97%
3 Months:	+5.32%
1 Month:	-1.98%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	98,222.87 Cr	1.07 L Cr	1.10 L Cr	1.10 L Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	12,409.92 Cr	14,320.10 Cr	17,710.50 Cr	19,289.89 Cr
Inventory	-	-	-	-	-
Receivables	6,967.63 Cr	6,086.79 Cr	5,816.00 Cr	5,561.45 Cr	-
Total Liabilities	-	72,301.93 Cr	79,100.46 Cr	80,725.35 Cr	75,668.32 Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	-	-	-	-
Total Debt	-	-	-	-	-
Total Equity	-	25,863.50 Cr	28,295.98 Cr	28,995.11 Cr	34,636.12 Cr
Shares Outstanding	-	164.80 Cr	164.80 Cr	164.80 Cr	164.80 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-	-	-	-
Investing Cash Flow	-	5,386.55 Cr	7,181.38 Cr	3,057.89 Cr	1,834.92 Cr
Financing Cash Flow	-	-64.77 Cr	-325.82 Cr	-343.18 Cr	-296.69 Cr
Capital Expenditure	-	-97.80 Cr	-69.56 Cr	-115.85 Cr	-80.04 Cr
Free Cash Flow	-	-5,953.15 Cr	-4,741.39 Cr	-3,505.56 Cr	-4,612.10 Cr
Net Change in Cash	-	-533.57 Cr	2,183.73 Cr	-675.00 Cr	-2,993.83 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	3.1%	3.3%	2.6%	-
Net Margin %	-	2.5%	2.5%	2.4%	2.9%
ROE %	-	4.1%	3.9%	3.6%	4.1%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

85.44%

Institutions

10.85%

Public Float

74.48%

Analyst View

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NIACL · Financial Services