The New India Assurance Company Limited
NIACL · Insurance · NSE
₹160
Current Market Price
Fair Value (P/B + Residual Income)
₹232
Discount to FV
+44.4%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
80%
ROE
4.1%
Debt/Equity
0.00
Cost of Equity
13.4%
Market Cap
₹26,442 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
5.4%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹160.45
Bear case
Margin of Safety +1.1%
Implied upside +1.1%
Base case
Margin of Safety +23.5%
Implied upside +30.8%
Bull case
Margin of Safety +31.9%
Implied upside +46.7%
Ratio Trends
NIACL · last 5 annual periods
ROE
4.1%
ROCE
3.9%
Operating Margin
—
Debt / Equity
—
PE
15.3×
EV / EBITDA
—
Historical Financials
NIACL · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹36.5K Cr | ₹41.8K Cr | ₹44.3K Cr | ₹43.5K Cr | ₹48.9K Cr | +7.6% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹212 Cr | ₹1294 Cr | ₹1472 Cr | ₹1123 Cr | — | +51.7% |
| PAT | ₹195 Cr | ₹1048 Cr | ₹1116 Cr | ₹1037 Cr | ₹1412 Cr | +64.1% |
| EPS (diluted) | ₹1.18 | ₹6.36 | ₹6.77 | ₹6.29 | — | +51.9% |
| CFO | — | — | — | — | — | — |
| CapEx | ₹-117 Cr | ₹-97.8 Cr | ₹-69.6 Cr | ₹-116 Cr | ₹-80.0 Cr | — |
| FCF | — | — | — | — | — | — |
| Total Assets | ₹96.5K Cr | ₹98.2K Cr | ₹107.4K Cr | ₹109.8K Cr | ₹110.4K Cr | +3.4% |
| Total Debt | — | — | — | — | — | — |
| Shareholders' Equity | ₹25.8K Cr | ₹25.9K Cr | ₹28.3K Cr | ₹29.0K Cr | ₹34.6K Cr | +7.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
NIACL vs 1 closest peer by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 ICICIGI ICICIGI | — | — | Pending | 16.7% | 30.8× |
Click a ticker to view its fair-value analysis.
Dividend History
6 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹6.09/sh
Last payout
2025-09-04
₹1.80
Peak payout
₹5.00
Trailing yield
1.12%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. The New India Assurance Company Limited (NIACL.NS) trades at 160.45 vs a model fair value of 231.73, a gap of 44.4%. Piotroski F-score: 7...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of NIACL →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for NIACL →
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Head-to-head with peers
Compare NIACL side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse NIACLNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.