WEBSITE BSE:544286 NSE: NIVABUPA Inc. Year: 2008 Industry: Insurance
Last updated: 15:50
Niva Bupa Health Insurance Company Limited, formerly known as Max Bupa Health Insurance, is a leading health insurance provider in India. The company specializes in offering comprehensive health insurance solutions designed to cater to diverse customer needs, ranging from individual health plans to family floater and critical illness policies. It emphasizes customer-centric services and innovation, ensuring seamless access to healthcare with cashless facilities across an extensive network of hospitals. Niva Bupa is known for its strong focus o...Read More
Niva Bupa Health Insurance Company Limited, formerly known as Max Bupa Health Insurance, is a leading health insurance provider in India. The company specializes in offering comprehensive health insurance solutions designed to cater to diverse customer needs, ranging from individual health plans to family floater and critical illness policies. It emphasizes customer-centric services and innovation, ensuring seamless access to healthcare with cashless facilities across an extensive network of hospitals. Niva Bupa is known for its strong focus on quality healthcare and swift claims settlement processes, making it a trusted name in the insurance industry. With a mission to make health insurance accessible and affordable, the company integrates advanced technology to provide a hassle-free experience for policyholders. By maintaining high transparency and a commitment to excellence, Niva Bupa continues to empower individuals and families to manage their healthcare expenses effectively, promoting a healthier and more secure future. ...Read Less
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Market Cap ₹13681 Cr.
Stock P/E 64.1
P/B 3.6
Current Price ₹74.9
Book Value ₹ 20.6
Face Value 10
52W High ₹95
Dividend Yield 0%
52W Low ₹ 61
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 900 | 950 | 1218 | 1018 | 1213 | 1136 | 1527 | 1220 | 1422 |
| Other Income | 119 | 126 | 154 | 191 | 187 | 159 | 99 | 153 | 170 |
| Total Income | 1019 | 1076 | 1372 | 1209 | 1400 | 1295 | 1626 | 1373 | 1592 |
| Total Expenditure | 1027 | 1071 | 1215 | 1228 | 1387 | 1282 | 1420 | 1464 | 1627 |
| Operating Profit | -8 | 5 | 157 | -19 | 13 | 13 | 206 | -91 | -35 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -8 | 5 | 157 | -19 | 13 | 13 | 206 | -91 | -35 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -8 | 5 | 157 | -19 | 13 | 13 | 206 | -91 | -35 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -8 | 5 | 157 | -19 | 13 | 13 | 206 | -91 | -35 |
| Adjusted Earnings Per Share | -0 | 0 | 0.9 | -0.1 | 0.1 | 0.1 | 1.1 | -0.5 | -0.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 315 | 393 | 544 | 576 | 659 | 841 | 1151 | 1753 | 2663 | 3811 | 4894 | 5305 |
| Other Income | 18 | 25 | 34 | 30 | 170 | 188 | 233 | 359 | 499 | 384 | 430 | 581 |
| Total Income | 333 | 419 | 578 | 606 | 830 | 1030 | 1384 | 2112 | 3161 | 4196 | 5324 | 5886 |
| Total Expenditure | 438 | 500 | 493 | 496 | 744 | 912 | 1259 | 2066 | 2810 | 4008 | 5144 | 5793 |
| Operating Profit | -105 | -81 | 85 | 110 | 86 | 117 | 125 | 45 | 351 | 188 | 180 | 93 |
| Interest | 1 | 2 | 2 | 2 | 3 | 4 | 6 | 10 | 18 | 26 | 37 | 0 |
| Depreciation | 12 | 11 | 12 | 16 | 16 | 21 | 22 | 27 | 32 | 29 | 25 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -93 | -68 | -4 | 23 | -48 | -62 | -50 | -197 | 13 | 82 | 214 | 93 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -93 | -68 | -4 | 23 | -48 | -62 | -50 | -197 | 13 | 82 | 214 | 93 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -93 | -68 | -4 | 23 | -48 | -62 | -50 | -197 | 13 | 82 | 214 | 93 |
| Adjusted Earnings Per Share | -1.2 | -0.8 | -0 | 0.2 | -0.5 | -0.5 | -0.4 | -1.4 | 0.1 | 0.5 | 1.2 | 0.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 28% | 41% | 42% | 32% |
| Operating Profit CAGR | -4% | 59% | 9% | 0% |
| PAT CAGR | 161% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -12% | NA% | NA% | NA% |
| ROE Average | 8% | 5% | -6% | -14% |
| ROCE Average | 8% | 5% | -5% | -14% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 170 | 209 | 233 | 256 | 262 | 346 | 577 | 508 | 831 | 2050 | 3061 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 250 | 250 | 250 | 250 |
| Other Non-Current Liabilities | 207 | 266 | 286 | 298 | 390 | 502 | 686 | 1090 | 1611 | 2228 | 2700 |
| Total Current Liabilities | 132 | 170 | 207 | 267 | 348 | 389 | 636 | 891 | 1184 | 1664 | 3749 |
| Total Liabilities | 509 | 645 | 726 | 821 | 999 | 1237 | 1899 | 2738 | 3877 | 6192 | 9760 |
| Fixed Assets | 30 | 22 | 32 | 37 | 30 | 39 | 46 | 49 | 52 | 58 | 66 |
| Other Non-Current Assets | 433 | 568 | 628 | 666 | 818 | 1070 | 1623 | 2402 | 3370 | 5459 | 8184 |
| Total Current Assets | 47 | 55 | 66 | 118 | 152 | 129 | 230 | 287 | 455 | 675 | 1510 |
| Total Assets | 509 | 645 | 726 | 821 | 999 | 1237 | 1899 | 2738 | 3877 | 6192 | 9760 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 14 | 12 | 69 | 81 | 53 | 83 | 32 | 196 | 59 | 102 | 143 |
| Cash Flow from Operating Activities | -47 | -2 | 8 | 15 | 94 | 107 | 257 | 338 | 593 | 813 | 1654 |
| Cash Flow from Investing Activities | -77 | -104 | -24 | -43 | -120 | -303 | -374 | -761 | -829 | -1882 | -2348 |
| Cash Flow from Financing Activities | 122 | 108 | 28 | 0 | 55 | 145 | 280 | 374 | 280 | 1110 | 771 |
| Net Cash Inflow / Outflow | -2 | 1 | 12 | -28 | 29 | -51 | 164 | -49 | 43 | 41 | 78 |
| Closing Cash & Cash Equivalent | 12 | 13 | 81 | 53 | 83 | 32 | 196 | 146 | 102 | 143 | 220 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -1.18 | -0.76 | -0.04 | 0.25 | -0.49 | -0.55 | -0.37 | -1.4 | 0.08 | 0.48 | 1.17 |
| CEPS(Rs) | -1.18 | -0.76 | -0.04 | 0.25 | -0.49 | -0.55 | -0.37 | -1.4 | 0.08 | 0.48 | 1.17 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 2.15 | 2.32 | 2.52 | 2.76 | 2.68 | 3.07 | 4.27 | 3.6 | 5.5 | 12.06 | 16.74 |
| Core EBITDA Margin(%) | -39.01 | -27.2 | 9.44 | 13.93 | -12.81 | -8.48 | -9.36 | -17.91 | -5.54 | -5.15 | -5.1 |
| EBIT Margin(%) | -29.6 | -17.42 | -0.68 | 3.97 | -7.34 | -7.32 | -4.32 | -11.21 | 0.47 | 2.15 | 4.36 |
| Pre Tax Margin(%) | -29.6 | -17.42 | -0.68 | 3.97 | -7.34 | -7.32 | -4.32 | -11.21 | 0.47 | 2.15 | 4.36 |
| PAT Margin (%) | -29.6 | -17.42 | -0.68 | 3.97 | -7.34 | -7.32 | -4.32 | -11.21 | 0.47 | 2.15 | 4.36 |
| Cash Profit Margin (%) | -29.6 | -17.42 | -0.68 | 3.97 | -7.34 | -7.32 | -4.32 | -11.21 | 0.47 | 2.15 | 4.36 |
| ROA(%) | -59.83 | -36.17 | -1.66 | 9.34 | -18.67 | -20.23 | -10.78 | -29.5 | 1.37 | 4.85 | 7.61 |
| ROE(%) | -59.86 | -36.21 | -1.66 | 9.34 | -18.67 | -20.24 | -10.78 | -36.26 | 1.87 | 5.68 | 8.36 |
| ROCE(%) | -59.86 | -36.21 | -1.66 | 9.34 | -18.67 | -20.24 | -10.78 | -29.46 | 1.36 | 4.84 | 7.62 |
| Receivable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 66.75 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.66 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 2.47 | 2.25 | 1.67 | 1.56 | 1.44 | 1.32 | 1.15 | 0.77 | 0.53 | 0.47 | 2.92 |
| EV/Core EBITDA(x) | -7.41 | -10.86 | 10.68 | 8.15 | 11.1 | 9.45 | 10.56 | 29.94 | 4.01 | 9.61 | 79.33 |
| Net Sales Growth(%) | 32.64 | 24.7 | 38.46 | 5.8 | 14.52 | 27.54 | 36.83 | 52.28 | 51.94 | 43.13 | 28.42 |
| EBIT Growth(%) | 29.77 | 26.59 | 94.63 | 721.22 | -311.85 | -27.21 | 19.19 | -295.11 | 106.38 | 552.66 | 160.87 |
| PAT Growth(%) | 29.77 | 26.59 | 94.63 | 721.22 | -311.85 | -27.21 | 19.19 | -295.11 | 106.38 | 552.66 | 160.87 |
| EPS Growth(%) | 40.57 | 35.38 | 94.79 | 721.22 | -299.98 | -10.83 | 32.59 | -278.6 | 105.95 | 480.14 | 142.67 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12 | 0.08 |
| Current Ratio(x) | 0.14 | 0.13 | 0.13 | 0.21 | 0.21 | 0.14 | 0.17 | 0.15 | 0.16 | 0.17 | 0.23 |
| Quick Ratio(x) | 0.14 | 0.13 | 0.13 | 0.21 | 0.21 | 0.14 | 0.17 | 0.15 | 0.16 | 0.17 | 0.23 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02 |
| # | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|
| Promoter | 55.98 | 55.98 | 55.43 | 55.41 |
| FII | 8.85 | 8.9 | 10.76 | 10.72 |
| DII | 9.79 | 9.67 | 15.03 | 15.27 |
| Public | 25.39 | 25.46 | 18.78 | 18.6 |
| Others | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 |
| # | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|
| Promoter | 102.27 | 102.27 | 102.27 | 102.27 |
| FII | 16.17 | 16.26 | 19.86 | 19.79 |
| DII | 17.88 | 17.66 | 27.72 | 28.18 |
| Public | 46.39 | 46.51 | 34.66 | 34.33 |
| Others | 0 | 0 | 0 | 0 |
| Total | 182.7 | 182.7 | 184.51 | 184.57 |
* The pros and cons are machine generated.
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