Niva Bupa Health Ins

₹89.1 5.3 | 6.3%

WEBSITE BSE:544286 NSE : NIVABUPA 09 Jul, 16:10

Market Cap ₹16286 Cr.

Stock P/E 76.3

P/B 5.3

Current Price ₹89.1

Book Value ₹ 16.7

Face Value 10

52W High ₹109.4

Dividend Yield 0%

52W Low ₹ 61

Edit Ratio

Niva Bupa Health Ins Research see more...

Overview Inc. Year: 2008Industry: Insurance

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.

Niva Bupa Health Ins Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

Niva Bupa Health Ins Quarterly Results

#(Fig in Cr.)	Sep 2023	Dec 2023	Mar 2024	Sep 2024	Dec 2024	Mar 2025
Net Sales	900	950	1218	1213	1136	1527
Other Income	119	126	154	187	159	99
Total Income	1019	1076	1372	1400	1295	1626
Total Expenditure	1027	1071	1215	1387	1282	1420
Operating Profit	-8	5	157	13	13	206
Interest	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0
Profit Before Tax	-8	5	157	13	13	206
Provision for Tax	0	0	0	0	0	0
Profit After Tax	-8	5	157	13	13	206
Adjustments	0	0	0	0	0	0
Profit After Adjustments	-8	5	157	13	13	206
Adjusted Earnings Per Share	-0	0	0.9	0.1	0.1	1.1

Niva Bupa Health Ins Profit & Loss

#(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	5094
Other Income	18	25	34	30	170	188	233	359	499	383	430	599
Total Income	333	419	578	606	830	1030	1384	2112	3161	4194	5324	5693
Total Expenditure	438	500	493	496	744	912	1259	2066	2810	4006	5144	5304
Operating Profit	-105	-81	85	110	86	117	125	45	351	188	180	389
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	389
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	389
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	389
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	2.2

Growth Rates

#	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	NA%	NA%	NA%	NA%
ROE Average	8%	5%	-6%	-14%
ROCE Average	8%	5%	-5%	-14%

Niva Bupa Health Ins Balance Sheet

#(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

Niva Bupa Health Ins Cash Flow

#(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

Niva Bupa Health Ins Ratios

#	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	-5.12	-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	0.41	2.87
EV/Core EBITDA(x)	-7.41	-10.86	10.68	8.15	11.1	9.45	10.56	29.94	4.01	8.28	77.94
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	552.68	160.86
PAT Growth(%)	29.77	26.59	94.63	721.22	-311.85	-27.21	19.19	-295.11	106.38	552.68	160.86
EPS Growth(%)	40.57	35.38	94.79	721.22	-299.98	-10.83	32.59	-278.6	105.95	480.15	142.66
Debt/Equity(x)	0	0	0	0	0	0	0	0	0	0	0
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

Niva Bupa Health Ins Shareholding Pattern

#	Dec 2024	Mar 2025
Promoter	55.98	55.98
FII	8.85	8.9
DII	9.79	9.67
Public	25.39	25.46
Others	0	0
Total	100	100

#	Dec 2024	Mar 2025
Promoter	102.27	102.27
FII	16.17	16.26
DII	17.88	17.66
Public	46.39	46.51
Others	0	0
Total	182.7	182.7

Pros

Company is almost debt free.

Cons

Company has a low return on equity of 5% over the last 3 years.
Stock is trading at 5.3 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.