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Niva Bupa Health Insurance Company
Mid Cap•8,936 Employees•IPO 2024
Current Price
₹70.16
-1.36 (-1.9%)Updated
Valuation vs Sector
P/E Ratio
-2376.67vs 19.00
P/B Ratio
3.43vs 2.14
Div Yield
0.00%vs 0.57%
Today's Range
69.73
₹70.16
71
52 Week Range
52W Low₹67.85
52W High₹95.21
₹70.16
Downside3.40%
Upside35.70%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹14,144 Cr
Market Cap
Total market value of companyP/E Ratio
151.63
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.97
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹0.73
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
-%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
7.45%
ROCE
Return on Capital Employed. >15% is goodNet Margin
1.64%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
22.00%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-386.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.07
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹20.67
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
55.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Niva Bupa Health Insurance demonstrated robust quarterly sales growth of 22.00%, indicating strong revenue generation and market penetration in the competitive general insurance sector.
- •The company maintains a very healthy financial structure with a low debt-to-equity ratio of 0.08, suggesting minimal reliance on borrowed capital and strong balance sheet stability.
Weaknesses
5 points- •Niva Bupa's P/E ratio of 98.40 is significantly higher than the sector P/E of 66.65 and most peers, suggesting the stock might be overvalued relative to its current earnings.
- •The company reported a substantial quarterly net profit decline of -386.00%, resulting in a net loss of -91.4 Cr, raising concerns about profitability consistency and operational efficiency.
Opportunities
2 points- •Operating within the 'General Insurance' sector, Niva Bupa is well-positioned to capitalize on the growing demand for health and other non-life insurance products in an expanding market.
- •As a relatively new listed entity since November 2024, Niva Bupa has significant scope for market penetration and brand building within the expanding general insurance landscape.
Threats
3 points- •Niva Bupa faces intense competition from established players like ICICI Lombard and Star Health, which could pressure pricing, market share, and overall profitability in the general insurance sector.
- •The significant negative quarterly profit growth of -386.00% and a net loss of -91.4 Cr, if sustained, poses a substantial threat to the company's financial stability and investor confidence.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Vikas Gupta | 26 Dec 2024 | 30 Dec 2024 | 1.88 L | 40,000 | ₹80.63 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹73.40 | +₹3.24 | +4.62% |
| R3 | ₹72.13 | +₹1.97 | +2.81% |
| R2 | ₹71.57 | +₹1.41 | +2.00% |
| R1 | ₹70.86 | +₹0.70 | +1.00% |
| PIVOT | ₹70.30 | 0.14 | 0.19% |
| CURRENT | ₹70.16 | - | - |
| S1 | ₹67.05 | -₹3.11 | -4.43% |
| S2 | ₹68.32 | -₹1.84 | -2.62% |
| S3 | ₹69.03 | -₹1.13 | -1.62% |
| S4 | ₹69.59 | -₹0.57 | -0.81% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+132.6% vs avg
1.50M
(11 Mar 2026)Delivery %+16.1% vs avg
78.7%
(11 Mar 2026)Avg Volume (20D)20-day average
6.46L
(11 Feb - 11 Mar)Avg Delivery %Trend ↑
62.5%
(11 Feb - 11 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Life Insurance Corporation of India
5.53L ₹ Cr
Best Profit Growth
ICICI Prudential Life Insurance Company Ltd
17.90 %
Highest Dividend Yield
Life Insurance Corporation of India
0.49 %
Peer Comparison
| Company Name |
|---|
 |
 HDFC Life Insurance Company Ltd |
 ICICI Prudential Life Insurance Company Ltd |
 Life Insurance Corporation of India |
 Max Financial Services Ltd |
 Religare Enterprises Ltd |
 SBI Life Insurance Company Ltd |
 Star Health & Allied Insurance Company Ltd |
About
Niva Bupa Health Insurance Company Ltd
Niva Bupa Health Insurance Company Limited is a prominent health insurance provider operating within the Indian market. Their core business revolves around offering a comprehensive suite of health insurance products designed to cater to diverse individual and family needs. This includes a range of plans encompassing individual health insurance, family floater plans offering coverage for multiple family members, critical illness coverage designed to financially protect against serious diseases, and personal accident insurance to address unforeseen injuries.
A key aspect of Niva Bupa's business model is the underwriting of these various insurance plans. Underwriting involves assessing risk and determining the appropriate premiums for each policy based on factors such as age, health status, and the level of coverage requested. This process ensures that the company can accurately price its policies while maintaining financial stability and offering competitive rates to its customers.
Beyond core health insurance, Niva Bupa also extends its services to include travel insurance. This type of insurance offers coverage for medical emergencies, trip cancellations, and other unforeseen events that may arise during travel, providing valuable peace of mind to individuals traveling both domestically and internationally. The inclusion of travel insurance demonstrates Niva Bupa's commitment to providing a broad spectrum of risk management solutions.
The company's history stretches back to 1947, showcasing a significant presence within the Indian insurance sector. While undergoing a name change from Max Bupa Health Insurance Company Limited to Niva Bupa Health Insurance Company Limited in July 2021, the core business and commitment to providing comprehensive health insurance solutions remain unchanged. Currently headquartered in Gurugram, India, Niva Bupa operates as a subsidiary of Bupa Singapore Holdings Pte. Ltd., leveraging international expertise and resources to enhance its offerings and market position within the competitive Indian health insurance landscape.
COMPANY FACTS - NIVABUPA
Registered Address
3rd Floor, Capital Cyberscape, Sector 59
Gurgaon
HARYANA
IN
Tel: 9118605008888
Website:https://www.nivabupa.com/
Investor Relations:http://transactions.nivabupa.com/pages/investor-relations.aspx
Company Details
Group: Insurance
Sector: Financials
Industry: Insurance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 8,936
IPO Date: 14/11/2024
MANAGEMENT - NIVABUPA
Mr. Krishnan Ramachandran
Chief Executive Officer, Managing Director
Mr. Rajat Sharma
Company Secretary
Ms. Penelope Dudley
Director
Mr. David Fletcher
Director
Mr. Maninder Juneja
Nominee Director
Mr. Chandrashekhar Bhave
Independent Director
Mr. Dinesh Mittal
Independent Director
Mr. Mohit Gupta
Additional Non-Executive Independent Director
Investor Questions Answered
Niva Bupa Health Insurance Company Ltd (NIVABUPA) Stock FAQs
Get answers to the most common questions about Niva Bupa Health Insurance Company Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Niva Bupa Health Insurance Company Ltd (NIVABUPA) is ₹70.16. Today, the stock has declined by ₹1.36 (1.90%), trading in a range of ₹69.73 to ₹71. The stock opened at ₹71 with a trading volume of 4,62,707 shares.
Niva Bupa Health Insurance Company Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹14,144 crores, P/E ratio of 151.63, ROE of 0.00%, and ROCE of 7.45%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Niva Bupa Health Insurance Company Ltd (NIVABUPA) is ₹95.21, while the 52-week low is ₹67.85. Currently trading at ₹70.16, the stock is 8.4% away from its 52-week low and 26.3% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Niva Bupa Health Insurance Company Ltd stock at ₹70.16 depends on multiple factors. The stock is currently trading with a P/E ratio of 151.63 and P/B ratio of N/A. Today's performance shows a loss of 1.90%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Niva Bupa Health Insurance Company Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹70.16, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Niva Bupa Health Insurance Company Ltd's key financial metrics include: P/E Ratio: 151.63, P/B Ratio: N/A, ROE: 0.00%, ROCE: 7.45%, Dividend Yield: 0.00%, EPS: ₹0.73, Book Value: ₹20.67, Debt-to-Equity: 0.07, and Current Ratio: N/A. The company's market cap stands at ₹14,144 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Niva Bupa Health Insurance Company Ltd stock opened at ₹71 and is currently trading at ₹70.16, showing a decline of ₹1.36 (1.90%). The intraday high is ₹71 and low is ₹69.73. The trading volume stands at 4,62,707 shares, indicating moderate market participation today.
Niva Bupa Health Insurance Company Ltd has a Price-to-Earnings (P/E) ratio of 151.63, which means investors are willing to pay ₹151.63 for every ₹1 of earnings. With an EPS of ₹0.73, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Niva Bupa Health Insurance Company Ltd has a market capitalization of ₹14,144 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹70.16) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Niva Bupa Health Insurance Company Ltd has a book value of ₹20.67 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹70.16, which is 239.4% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Niva Bupa Health Insurance Company Ltd has a Return on Equity (ROE) of 0.00% and Return on Capital Employed (ROCE) of 7.45%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Niva Bupa Health Insurance Company Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Niva Bupa Health Insurance Company Ltd has a debt-to-equity ratio of 0.07, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Niva Bupa Health Insurance Company Ltd has an Earnings Per Share (EPS) of ₹0.73, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹70.16 and P/E ratio of 151.63, investors are paying 151.63 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Niva Bupa Health Insurance Company Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Niva Bupa Health Insurance Company Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Niva Bupa Health Insurance Company Ltd stock, consider: 1) Fundamental Analysis - Review P/E (151.63), ROE (0.00%), debt-to-equity (0.07), and growth rates. 2) Technical Analysis - Check 52-week range (₹67.85 - ₹95.21), moving averages, and chart patterns. 3) Valuation - Compare current price (₹70.16) with book value (₹20.67) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Niva Bupa Health Insurance Company Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹70.16 is 602x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Niva Bupa Health Insurance Company Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹67.85 - ₹95.21). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.07 indicates leverage. 4) Liquidity Risk - Based on trading volume of 4,62,707 shares. 5) Valuation Risk - P/E of 151.63 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Niva Bupa Health Insurance Company Ltd operates in the industry with key metrics: P/E ratio of 151.63, ROE of 0.00%, market cap of ₹14,144 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.07), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Niva Bupa Health Insurance Company Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹70.16, with a 52-week range of ₹67.85 to ₹95.21. Based on fundamentals like P/E (151.63), ROE (0.00%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Niva Bupa Health Insurance Company Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹70.16. 2) Fundamental Deterioration - Declining ROE (currently 0.00%), increasing debt (D/E: 0.07), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Niva Bupa Health Insurance Company Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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