Niva Bupa Health Insurance Company Limited
NIVABUPA · Insurance · NSE
₹84
Current Market Price
Fair Value (P/B + Residual Income)
₹73
Discount to FV
-12.9%
Updated just now
YieldIQ Score
25/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
80%
ROE
4.1%
Debt/Equity
0.08
Cost of Equity
12.8%
Market Cap
₹15,514 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
12.0%
3-year revenue growth
Revenue CAGR (5Y)
27.6%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹83.96
Bear case
Margin of Safety -177.2%
Implied upside -63.9%
Base case
Margin of Safety -17.3%
Implied upside -14.7%
Bull case
Margin of Safety +10.5%
Implied upside +11.7%
Ratio Trends
NIVABUPA · last 5 annual periods
ROE
4.1%
ROCE
5.8%
Operating Margin
—
Debt / Equity
0.08×
PE
—
EV / EBITDA
—
Historical Financials
NIVABUPA · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1841 Cr | ₹2799 Cr | ₹4427 Cr | ₹5374 Cr | ₹6695 Cr | +38.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹-180 Cr | ₹57.7 Cr | ₹135 Cr | ₹277 Cr | — | — |
| PAT | ₹-197 Cr | ₹12.5 Cr | ₹81.8 Cr | ₹214 Cr | ₹131 Cr | — |
| EPS (diluted) | ₹-1.08 | ₹0.07 | ₹0.45 | ₹1.20 | — | — |
| CFO | — | — | — | — | — | — |
| CapEx | ₹-28.8 Cr | ₹-37.8 Cr | ₹-33.0 Cr | ₹-41.4 Cr | ₹-48.6 Cr | — |
| FCF | — | — | — | — | — | — |
| Total Assets | ₹2719 Cr | ₹3877 Cr | ₹6192 Cr | ₹9760 Cr | ₹11.3K Cr | +42.7% |
| Total Debt | ₹250 Cr | ₹250 Cr | ₹250 Cr | ₹250 Cr | ₹250 Cr | +0.0% |
| Shareholders' Equity | ₹2558 Cr | ₹2855 Cr | ₹3915 Cr | ₹4494 Cr | ₹3199 Cr | +5.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
NIVABUPA vs 2 closest peers by market-cap band
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for NIVABUPA in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Niva Bupa Health Insurance Company Limited (NIVABUPA.NS) trades at 83.96 vs a model fair value of 73.17, a gap of -12.9%. Piotroski F-sco...
Read full AI analysis →Risk Analysis
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Risk profile of NIVABUPA →
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Why ROE is what it is →
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RSI, MACD, MAs
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Analyse NIVABUPANow →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.