Niva Bupa Health Insurance Company Limited NIVABUPA NIFTY_SMALLNSEFINANCIAL

Financial Services · Insurance - Life · India

https://www.nivabupa.com

Niva Bupa Health Insurance Company Limited provides health insurance products in India. It offers health insurance plans, such as individual, family, NRIs, senior citizens, personal accident, critical illness; travel insurance, including international and studying abroad insurance plans; and corporate insurance comprising group and start up health, group personal accident and OPD coverage, and group health insurance claim process. The company was formerly known as Max Bupa Health Insurance Company Limited and changed its name to Niva Bupa Health Insurance Company Limited in July 2021. The company was founded in 1947 and is based in Gurugram, India. Niva Bupa Health Insurance Company Limited is a subsidiary of Bupa Singapore Holdings Pte. Ltd.

Market & Price

Market Cap

₹15,428.77 Cr

Current Price

₹83.50

High / Low (52W)

₹92.35 / ₹68.40

Beta

Valuation

Stock P/E

117.61

Industry PE

19.12

Forward P/E

33.93

PEG Ratio

Book Value

₹19.39

Price to Book

4.31

P/S

1.83

EV/EBITDA

30.35

Dividend Yield

Profitability & Returns

ROCE

ROE

10.65%

ROA

3.00%

Profit Margin

4.34%

Op Margin

8.47%

EPS (Latest Qtr)

₹1.87

EPS (TTM)

₹0.71

Balance Sheet & Liquidity

Debt/Equity

0.10

Quick Ratio

0.34

Current Ratio

2.61

Debt

₹354.07 Cr

Total Assets

₹11,275.86 Cr

Current Assets

Working Capital

Ownership

Promoter Holding

76.91%

Chg in Prom Hold

FII / Inst Holding

14.69%

Chg in FII Hold

0.03%

Financial Snapshot

Enterprise Value

₹15,621.67 Cr

Total Revenue (TTM)

₹8,443.46 Cr

EBITDA

₹514.79 Cr

Free Cash Flow

₹-501.97 Cr

Operating Cash Flow

₹928.72 Cr

Shares Outstanding

₹184.78 Cr

Gross Margin

10.45%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

33.74%

Profit 5Y

118.48%

Revenue (YoY)

26.80%

Earnings (YoY)

90.20%

PROS

Compounding revenue at 33.7% over 5 years.
Profit CAGR of 118.5% over 5 years.

CONS

Trading at a high P/E of 117.6.
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	NIVABUPA Niva Bupa Health Insurance Company Limited NIFTY_SMALLNSEFINANCIAL	83.50	117.61	₹15,428.77 Cr	-	-	10.65%	33.74%	118.48%
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	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	1,258.02 Cr	1,670.79 Cr	1,371.08 Cr	1,611.03 Cr	2,138.56 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	-	-	-	-
Pretax Income	13.24 Cr	206.08 Cr	-91.44 Cr	-87.64 Cr	341.16 Cr
Tax Provision	0	0	0	0	-3.97 Cr
Net Income	13.24 Cr	206.08 Cr	-91.44 Cr	-87.64 Cr	345.13 Cr
Diluted EPS	0.07	1.13	-0.50	-0.47	1.87

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	2,798.52 Cr	4,427.24 Cr	5,374.28 Cr	6,694.69 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	-180.34 Cr	57.67 Cr	135.07 Cr	277.18 Cr	-
EBITDA	-	-	-	-	-
Interest Expense	16.18 Cr	45.13 Cr	53.22 Cr	63.66 Cr	-
Pretax Income	-	12.54 Cr	81.85 Cr	213.52 Cr	126.81 Cr
Tax Provision	-	0	0	0	-3.97 Cr
Net Income	-	12.54 Cr	81.85 Cr	213.52 Cr	130.78 Cr
Diluted EPS	-1.08	0.07	0.45	1.20	-

Compounded Sales Growth

5 Years:	33.74%
1 Year:	26.80%

Compounded Profit Growth

5 Years:	118.48%
1 Year:	90.20%

Stock Price Performance

1 Year:	-9.58%
6 Months:	+12.43%
3 Months:	+9.62%
1 Month:	+6.03%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	3,876.57 Cr	6,191.85 Cr	9,760.16 Cr	11,275.86 Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	101.86 Cr	142.82 Cr	220.35 Cr	158.66 Cr
Inventory	-	-	-	-	-
Receivables	-	-	-	-	-
Total Liabilities	-	1,021.17 Cr	2,277.30 Cr	5,266.17 Cr	8,077.22 Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	250.00 Cr	250.00 Cr	250.00 Cr	250.00 Cr
Total Debt	-	250.00 Cr	250.00 Cr	250.00 Cr	250.00 Cr
Total Equity	-	2,855.40 Cr	3,914.55 Cr	4,493.99 Cr	3,198.64 Cr
Shares Outstanding	-	182.70 Cr	182.70 Cr	182.70 Cr	184.75 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-	-	-	-
Investing Cash Flow	-	-829.39 Cr	-1,881.71 Cr	-2,347.60 Cr	-961.34 Cr
Financing Cash Flow	-	279.93 Cr	1,110.02 Cr	770.75 Cr	-5.21 Cr
Capital Expenditure	-	-37.79 Cr	-32.95 Cr	-41.42 Cr	-48.63 Cr
Free Cash Flow	-	554.72 Cr	779.70 Cr	1,612.96 Cr	856.23 Cr
Net Change in Cash	-	43.05 Cr	40.96 Cr	77.53 Cr	-61.69 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	2.1%	3.1%	5.2%	-
Net Margin %	-	0.4%	1.8%	4.0%	2.0%
ROE %	-	0.4%	2.1%	4.8%	4.1%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

76.91%

Institutions

14.69%

Public Float

63.62%

Analyst View

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NIVABUPA · Financial Services