Niva Bupa Health Insurance Company Ltd
Incorporated in 2008, Niva Bupa Health Insurance Ltd is a Tech driven leading health insurer in India.[1]
- Market Cap ₹ 14,265 Cr.
- Current Price ₹ 78.1
- High / Low ₹ 109 / 69.2
- Stock P/E 174
- Book Value ₹ 11.3
- Dividend Yield 0.00 %
- ROCE 4.85 %
- ROE 5.69 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 6.92 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Tax rate seems low
- Company has a low return on equity of -3.86% over last 3 years.
- Earnings include an other income of Rs.329 Cr.
* 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.
Peer comparison
Sector: Insurance Industry: Finance & Investments
Part of BSE Allcap Nifty 500 BSE IPO Nifty Total Market Nifty MidSmallcap 400
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| 1,057 | 1,413 | 2,114 | 3,165 | 4,196 | |
| 1,094 | 1,435 | 2,374 | 3,534 | 4,413 | |
| Operating Profit | -37 | -22 | -260 | -369 | -217 |
| OPM % | -3% | -2% | -12% | -12% | -5% |
| 0 | 0 | 90 | 413 | 329 | |
| Interest | 4 | 6 | 0 | 0 | 0 |
| Depreciation | 21 | 22 | 27 | 32 | 29 |
| Profit before tax | -62 | -50 | -197 | 13 | 82 |
| Tax % | 0% | 0% | 0% | 0% | 0% |
| -62 | -50 | -197 | 13 | 82 | |
| EPS in Rs | |||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 44% |
| TTM: | 33% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 54% |
| TTM: | 553% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | -4% |
| Last Year: | 6% |
Balance Sheet
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|
| Equity Capital | 1,126 | 1,350 | 1,409 | 1,511 | 1,700 | 1,718 |
| Reserves | -780 | -773 | -903 | -683 | 351 | 344 |
| 0 | 0 | 250 | 250 | 250 | 250 | |
| 891 | 1,322 | 1,983 | 2,799 | 3,891 | 4,840 | |
| Total Liabilities | 1,237 | 1,899 | 2,738 | 3,877 | 6,192 | 7,151 |
| 39 | 46 | 49 | 52 | 58 | 0 | |
| CWIP | 2 | 2 | 1 | 4 | 1 | 0 |
| Investments | 1,067 | 1,622 | 2,401 | 3,366 | 5,458 | 5,965 |
| 129 | 230 | 287 | 455 | 675 | 1,186 | |
| Total Assets | 1,237 | 1,899 | 2,738 | 3,877 | 6,192 | 7,151 |
Cash Flows
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| 257 | 338 | 593 | 813 | ||
| -374 | -723 | -829 | -1,882 | ||
| 280 | 374 | 280 | 1,110 | ||
| Net Cash Flow | 164 | -12 | 43 | 41 |
Ratios
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -270 | -290 | -303 | -282 | -292 |
| ROCE % | -10% | -30% | 1% | 5% |
Documents
Announcements
-
Closure of Trading Window
17h - Closure of trading window until financial results are announced.
- Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot 17h
- Shareholder Meeting / Postal Ballot-Scrutinizer"s Report 17h
-
Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015
2 Mar - Company received tax demand orders and penalties.
-
Announcement under Regulation 30 (LODR)-Acquisition
28 Feb - Niva Bupa invests INR 5 crores in Bima Sugam.
Concalls
-
Feb 2025Transcript PPT REC
-
Nov 2024Transcript PPT
Leading Insurance Company[1] Niva Bupa is the 3rd largest and the 2nd fastest growing standalone health insurer (SAHI) in India based on overall health gross direct premium income (GDPI) of Rs 5,494.43 crore in FY24 with an overall market share of 5.1%.