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GOLD 24K (10g)₹75,420+0.38%
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Niva Bupa Health Insurance Company Limited

Niva Bupa Health Insurance Company Limited

NSE: NIVABUPA
Insurance - LifeFinancial ServicesMID CAPMCap ₹14.05k Cr
₹75.96₹-0.05 (-0.07%)

Market Closed • NSE

Market cap₹14.05k Cr
Enterprise value₹14.24k Cr
P/E TTM38.95
Forward P/E22.80
P/B3.66
EPS TTM₹1.95
Forward EPS₹3.33
ROE0.12%
D/E6.80
Dividend yield0.00%
52W high₹91.40
52W low₹67.50
Price chart(1Y)
1Y Return:-9.53% (₹8.00)
H: ₹91.4L: ₹71.98
1W-5.39%
1M-4.57%
3M-11.72%
6M-5.11%
1Y-2.59%
Today at a glance

Day range

₹74.55₹77.10

52 week range

₹67.50₹91.40
Volume3.11M1.42x 20D avg
Free float50.00%+42.10% volume

Niva Bupa Health Insurance Company Limited closed at INR75.96 (-0.07%) on volume 1.42x its 20-day average, trading 16.89% below its 52-week high.

Technical analysis
RSI (14)43.1Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹2.71High
SMA 20₹77.27BEARISH
SMA 50₹80.17BEARISH
SMA 100₹82.81BEARISH
SMA 200₹79.77BEARISH
CPR bottom₹76.69
Pivot₹76.46
CPR top₹76.24
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +493.8% QoQ

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL4/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹250.0 Cr₹14.05k Cr1.78%≤ 33%PASS
Non-halal income ratio–₹6.69k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹11.12k Cr₹11.28k Cr98.59%≥ 20%PASS
Receivables ratio–₹11.28k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E38.9516.50
Forward P/E22.80—
P/B3.661.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield2.606.10
Growth & profitability
RevenuePAT
FY23PAT margin 0.40%
FY24PAT margin 1.80%
FY25PAT margin 4.00%
FY26PAT margin 2.00%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+33.70%
Revenue CAGR 5Y—
PAT CAGR 3Y+118.50%
PAT CAGR 5Y—
Operating margin7.81%
Net margin4.81%
Financial health & cash flow
Net debt₹91.3 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT—x3Y average
Net debt / EBITDA—Leverage
Operating cash flow–
Capital expenditure–
Free cash flow₹856.2 Cr
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall60/100
Valuation50/100
Profitability50/100
Financial health80/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Low Debt Profile: Debt-to-Equity is comfortable at 0.07x

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Insurance - Life.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · June 2025

Ownership distribution

Jun 2025Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Dec 2024Jun 2025
28.26%Institutional holding
16.44%Public holding
2Periods available
0.00%Promoter pledged
1.27LShareholders
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.51%+28.13% latest vs average
Highest delivery80.64%on 16 Oct
Average volume (20D)2.19MTrading-session average
Conviction trendStrengthening+28.13% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Niva Bupa Health Insurance Company Limited
Niva Bupa Health Insurance Company Limited

Incorporated in 2008, Niva Bupa Health Insurance Ltd is a Tech driven leading health insurer in India.[1]

IndiaFinancial Services

Questions investors ask
Is Niva Bupa Health Insurance Company Limited Shariah compliant?

Niva Bupa Health Insurance Company Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (1.78%) complies with AAOIFI threshold (≤ 33%).

What is Niva Bupa Health Insurance Company Limited's current valuation relative to peers?

Niva Bupa Health Insurance Company Limited trades at a P/E of 39.0x compared to the sector median of 16.5x, and a Price-to-Book of 3.7x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 0.07x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.