Niva Bupa Health Insurance Company Limited (IN:NIVABUPA)
:NIVABUPA
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Niva Bupa Health Insurance Company Limited
(NIVABUPA)
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Rating:62Neutral
Price Target:
₹86.00
▲(13.22% Upside)
Action:N/A
Date:05/21/26
The score is driven mainly by stable financial footing (low leverage and positive cash flow) but tempered by significant profitability and cash flow deterioration in FY2026. Technicals are supportive with price above key moving averages, while valuation is a notable drag due to the negative P/E and lack of dividend yield data.
Positive Factors
Strong revenue expansion
A ~237% top-line jump in FY2026 with improved gross margin indicates meaningful premium growth and stronger underwriting scale. This enlarges the premium base, supports fixed-cost absorption and creates durable runway for improving operating leverage and distribution reach over several quarters.
Negative Factors
Material margin compression
A sharp decline in operating and net margins indicates rising claims, higher operating costs or weaker pricing power. If these pressures persist, they materially erode the insurer's ability to build capital, reduce underwriting profitability and constrain sustainable return generation over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue expansion
A ~237% top-line jump in FY2026 with improved gross margin indicates meaningful premium growth and stronger underwriting scale. This enlarges the premium base, supports fixed-cost absorption and creates durable runway for improving operating leverage and distribution reach over several quarters.
Read all positive factors
Niva Bupa Health Insurance Company Limited (NIVABUPA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹158.81B
Dividend YieldN/A
Average Volume (3M)100.36K
Price to Earnings (P/E)―
Beta (1Y)0.89
Revenue Growth14.36%
EPS Growth-39.80%
CountryIN
Employees9,344
SectorHealthcare
Sector Strength45
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.00
Shares Outstanding1,847,456,800
10 Day Avg. Volume100,838
30 Day Avg. Volume100,362
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹95.00Price Target Upside25.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.61
Revenue Forecast (FY)₹93.56B
Niva Bupa Health Insurance Company Limited Business Overview & Revenue Model
Company Description
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; travel insurance, including internati...
How the Company Makes Money
Niva Bupa primarily makes money by underwriting health insurance policies and earning income on the funds it holds. Key revenue streams include: (1) Net premium income: The core revenue comes from premiums collected from policyholders (individual/...
Niva Bupa Health Insurance Company Limited Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
63
Positive
| Breakdown | Mar 2025 | Mar 2025 |
|---|---|---|
Income Statement | ||
| Total Revenue | 66.95B | 56.91B |
| Gross Profit | 54.68B | 41.22B |
| EBITDA | 1.27B | 3.02B |
| Net Income | 1.31B | 2.14B |
Balance Sheet | ||
| Total Assets | 112.76B | 97.60B |
| Cash, Cash Equivalents and Short-Term Investments | 1.59B | 13.08B |
| Total Debt | 2.50B | 2.50B |
| Total Liabilities | 80.77B | 58.34B |
| Stockholders Equity | 31.99B | 44.94B |
Cash Flow | ||
| Free Cash Flow | 8.56B | 15.86B |
| Operating Cash Flow | 9.05B | 16.27B |
| Investing Cash Flow | -9.61B | -23.48B |
| Financing Cash Flow | -52.10M | 7.98B |
Niva Bupa Health Insurance Company Limited Peers Comparison
UnderperformOutperform
Sector (51)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹307.79B | 48.31 | ― | ― | 18.38% | -14.07% | |
66 Neutral | ₹1.88T | 55.40 | ― | 0.13% | -3.31% | 2.28% | |
62 Neutral | ₹158.81B | ― | ― | ― | 14.36% | -39.80% | |
61 Neutral | ₹1.33T | 63.92 | ― | 0.28% | 3.27% | 5.50% | |
54 Neutral | ₹579.72B | 608.45 | ― | ― | 2.57% | -70.56% | |
53 Neutral | ₹754.39B | 29.58 | ― | 0.13% | -8.37% | 35.33% | |
51 Neutral | $7.86B | -0.30 | -43.30% | 2.27% | 22.53% | -2.21% |
* Healthcare Sector Average
IN:NIVABUPA
Niva Bupa Health Insurance Company Limited
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Niva Bupa Health Insurance Company Limited Corporate Events
Niva Bupa Sets May 8 Earnings Call to Discuss FY26 Results
May 1, 2026
Niva Bupa Health Insurance Company Limited has scheduled an earnings conference call with analysts and investors on May 8, 2026 at 18:30 IST to discuss its financial performance for the quarter and full year ended March 31, 2026. The call, featuri...
Niva Bupa Faces ₹28.37 Crore Tax Demand on Disallowed Expenses and Provisions
Mar 15, 2026
Niva Bupa Health Insurance has disclosed that it received an income tax order and demand from the Assistant Commissioner of Income Tax, Central Circle 5(3), Mumbai, for assessment year 2023-24, seeking ₹28.37 crore including interest. The de...
Niva Bupa Seeks Shareholder Nod on Board Appointment and CEO Pay via E-Vote
Feb 23, 2026
Niva Bupa Health Insurance has initiated a postal ballot process to seek shareholders’ approval via remote e-voting on key corporate matters, including the appointment of Roger William John Davis as a non-executive director. The ballot will ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.