Niva Bupa Health Insurance Company Limited NIVABUPA NIFTY_SMALLNSEFINANCIAL
Company Overview
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, disease-specific, hospital cash, and maternity insurance; travel insurance plans, including international and studying abroad insurance; and corporate insurance plans comprising group and start up health, group personal accident, and OPD coverage, as well as 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 incorporated in 2008 and is based in Gurugram, India. Niva Bupa Health Insurance Company Limited operates as a subsidiary of Bupa Singapore Holdings Pte. Ltd.
Why Investors Should Care
Net profit has compounded at 118.5% per year over the last five years.
Revenue has grown at a 36.4% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.07.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹7,105.60 Cr (+24.9% YoY); net profit ₹130.78 Cr.
- Trailing 12 Months Year-on-year growth — revenue +27.9%, earnings +89.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 36.4%, profit CAGR 118.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 36.42% |
| 1 Year: | 27.90% |
Compounded Profit Growth
| 5 Years: | 118.48% |
| 1 Year: | 89.70% |
Stock Price Performance
| 1 Year: | -9.03% |
| 6 Months: | -5.79% |
| 3 Months: | -13.28% |
| 1 Month: | -7.61% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- Death Cross1d ago
- RSI (14)37.40 · Neutral
P/E of 38.10 is above the sector median of 15.36 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 36.4% over 5 years.
- Profit CAGR of 118.5% 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 73.53 | 38.10 | ₹13,600.44 Cr | 0.00% | - | 12.14% | 36.42% | 118.48% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 706.95 | 15.45 | ₹10.90 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,385.00 | 17.90 | ₹9.94 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 963.00 | 10.32 | ₹8.89 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 926.00 | 28.43 | ₹5.77 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.80 | 21.46 | ₹4.36 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,210.00 | 13.61 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,690.00 | 26.83 | ₹2.70 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 392.05 | 8.26 | ₹2.48 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1,670.79 Cr | 1,931.75 Cr | 1,611.03 Cr | 2,138.56 Cr | 2,471.26 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - |
| Pretax Income | - | 206.08 Cr | 97.92 Cr | -87.64 Cr | 341.16 Cr | 183.74 Cr |
| Tax Provision | - | 0 | 26.48 Cr | 0 | -3.97 Cr | 45.94 Cr |
| Net Income | - | 206.08 Cr | 71.44 Cr | -87.64 Cr | 345.13 Cr | 137.80 Cr |
| Diluted EPS | - | 1.13 | 0.39 | -0.47 | 1.87 | 0.74 |
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 | 5,690.77 Cr | 7,105.60 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | 57.67 Cr | 135.07 Cr | 277.18 Cr | 182.53 Cr |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 45.13 Cr | 53.22 Cr | 63.66 Cr | 55.72 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 | - | 0.07 | 0.45 | 1.20 | 0.71 |
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 | 6,703.07 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 | 3,057.09 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% | 4.9% | 2.6% |
| Net Margin % | - | 0.4% | 1.8% | 3.8% | 1.8% |
| ROE % | - | 0.4% | 2.1% | 7.0% | 4.1% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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NIVABUPA — Frequently Asked Questions
What is the current share price of Niva Bupa Health Insurance Company Limited (NIVABUPA)?
As of 2026-10-23 04:58 IST, Niva Bupa Health Insurance Company Limited (NIVABUPA) trades at ₹73.53 on NSE. Its 52-week range is ₹68.40 to ₹88.36.
What is the market capitalisation of NIVABUPA?
Niva Bupa Health Insurance Company Limited (NIVABUPA) has a market capitalisation of ₹13,600.44 Cr on NSE.
What is the P/E ratio of NIVABUPA?
NIVABUPA trades at a trailing price-to-earnings (P/E) ratio of 38.10. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 3.74.
What is the return on equity (ROE) of NIVABUPA?
NIVABUPA has a return on equity (ROE) of 12.14%.
Is NIVABUPA a good stock to buy?
This page provides a data-driven analysis of Niva Bupa Health Insurance Company Limited (NIVABUPA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.