Niva Bupa Health Insurance Company Ltd Stock Price Today (NSE: NIVABUPA)
Fundamental Score
Niva Bupa Health Insurance Company Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Niva Bupa Health Insurance Company Ltd share price today is ₹70.21, down 2.05% on NSE/BSE as of 30 March 2026. Niva Bupa Health Insurance Company Ltd (NIVABUPA) is a Mid-cap company in the General Insurance sector with a market capitalisation of ₹13.66K (Cr). The 52-week high for NIVABUPA share price is ₹95.21 and the 52-week low is ₹67.50. At a P/E ratio of 147.45x, NIVABUPA is currently trading above its industry average P/E of 44.24x. The company has a Return on Equity (ROE) of 8.18% and a debt-to-equity ratio of 0.07.
Niva Bupa Health Insurance Company Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Niva Bupa Health Insurance Company Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Niva Bupa Health Insurance Company Share Price: A Financial Analysis
The general insurance sector is currently experiencing a period of dynamic growth, driven by increasing health awareness and penetration, yet profitability remains a key challenge for many players. This analysis examines the financial stability of Niva Bupa Health Insurance Company, focusing on key metrics influencing its market position. The current Niva Bupa Health Insurance Company share price stands at ₹77.68000030517578, with a Price-to-Earnings (PE) ratio of 147.45 and a Return on Capital Employed (ROCE) of 7.45%. These figures, observed as of today, offer a snapshot of the company's valuation and profitability.
The PE ratio of 147.45 suggests that the market has high expectations for future earnings growth. However, this needs to be considered alongside the company's ROCE of 7.45%. ROCE indicates how efficiently a company is using its capital to generate profits. A lower ROCE compared to peers in the sector might indicate challenges in capital utilization or lower profitability per unit of capital employed. This has a potential impact on the company's moat – its competitive advantage. A higher ROCE generally signals a stronger ability to generate value and maintain a competitive edge.
Comparing Niva Bupa Health Insurance Company Ltd. with sector peers is crucial for a comprehensive assessment. For instance, while
General Insurance Corporation of India operates in a broader general insurance segment, assessing management quality relative to Niva Bupa is critical. This includes examining claims settlement ratios, expense ratios, and underwriting profitability. Differing management strategies can significantly impact a company's financial health and long-term sustainability. Analyzing these operational efficiencies provides insight beyond just the stock price.The 7.45% ROCE impacts the company's moat by potentially limiting its capacity to reinvest in growth initiatives, innovate new products, or compete aggressively on pricing. A stronger ROCE would provide more financial flexibility and contribute to a more sustainable competitive position. Ultimately, while the current Niva Bupa Health Insurance Company share price reflects market sentiment, a deeper understanding of its financial metrics, particularly ROCE and operational efficiencies compared to competitors like Go Digit General Insurance Ltd and Star Health and Allied Insurance Company Limited, is essential for evaluating its long-term financial stability.
This financial analysis is part of an 80-parameter fundamental audit verified by Sweta Mishra. It is based on observational data and does not constitute financial advice. No buy or sell recommendations are implied.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Niva Bupa Health Insurance Company Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of NIVABUPA across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Revenue Growth (19.13%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (38.42% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (40.07% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Conservative Debt Levels (D/E: 0.07)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Cash Generation (₹3485.58 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (55.41%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 26.03%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (8.18%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.45%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (-5.36%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Premium Valuation Risk (P/E: 147.45x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Profit Decline Concern (-370.89%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Niva Bupa Health Insurance Company Ltd Financial Statements
Comprehensive financial data for Niva Bupa Health Insurance Company Ltd including income statement, balance sheet and cash flow
About NIVABUPA (Niva Bupa Health Insurance Company Ltd)
Niva Bupa Health Insurance Company Ltd is a prominent health insurance provider in India, focused on delivering comprehensive and innovative healthcare solutions to a diverse range... of customers. With a commitment to customer-centricity, Niva Bupa offers a wide array of health insurance plans meticulously designed to cater to the unique healthcare needs of individuals, families, and organizations. Their dedication extends beyond merely offering policies; they strive to be partners in their customers' healthcare journeys, ensuring access to quality medical care and peace of mind. Niva Bupa constantly seeks to redefine the health insurance landscape through technological advancements and personalized service. The company's robust portfolio encompasses plans tailored for various demographics, including individual and family health insurance options, specialized plans for Non-Resident Indians (NRIs) and senior citizens, and policies designed to cover personal accidents and critical illnesses. Recognizing the increasing need for global coverage, Niva Bupa also offers comprehensive travel insurance solutions, including options specifically designed for international travel and students studying abroad. These plans provide coverage for medical emergencies, trip cancellations, and other unforeseen circumstances, ensuring travelers can explore the world with confidence. Beyond individual and family needs, Niva Bupa provides tailored corporate insurance solutions, including group health insurance, group personal accident coverage, and Outpatient Department (OPD) coverage. They understand the unique needs of businesses, offering customized plans for start-ups and larger organizations. Niva Bupa aims to simplify the claims process, ensuring efficient and hassle-free experiences for its corporate clients. This commitment to seamless service delivery makes Niva Bupa a trusted partner for organizations seeking to protect the health and well-being of their employees.
Company Details
Key Leadership
Latest News
NIVABUPA Share Price: Frequently Asked Questions
What is the current share price of Niva Bupa Health Insurance Company Ltd (NIVABUPA)?
As of 30 Mar 2026, 12:06 pm IST, Niva Bupa Health Insurance Company Ltd share price is ₹70.21. The NIVABUPA stock has a market capitalisation of ₹13.66K (Cr) on NSE/BSE.
Is NIVABUPA share price Overvalued or Undervalued?
NIVABUPA share price is currently trading at a P/E ratio of 147.45x, compared to the industry average of 44.24x. Based on this relative valuation, the Niva Bupa Health Insurance Company Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of NIVABUPA share price?
The 52-week high of NIVABUPA share price is ₹95.21 and the 52-week low is ₹67.50. These values are updated daily from NSE/BSE price data.
What factors affect the Niva Bupa Health Insurance Company Ltd share price?
Key factors influencing NIVABUPA share price include quarterly earnings growth (Sales Growth: 19.13%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Niva Bupa Health Insurance Company Ltd a good stock for long-term investment?
Niva Bupa Health Insurance Company Ltd shows a 5-year Profit Growth of 40.07% and an ROE of 8.18%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.07 before investing in NIVABUPA shares.
How does Niva Bupa Health Insurance Company Ltd compare with its industry peers?
Niva Bupa Health Insurance Company Ltd competes with major peers in the General Insurance. Investors should compare NIVABUPA share price P/E of 147.45x and ROE of 8.18% against the industry averages to determine competitive standing.
What is the P/E ratio of NIVABUPA and what does it mean?
NIVABUPA share price has a P/E ratio of 147.45x compared to the industry average of 44.24x. Investors pay ₹147 for every ₹1 of annual earnings.
How is NIVABUPA performing according to Bull Run's analysis?
NIVABUPA has a Bull Run fundamental score of 48.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does NIVABUPA belong to?
NIVABUPA operates in the General Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting Niva Bupa Health Insurance Company Ltd share price.
What is Return on Equity (ROE) and why is it important for NIVABUPA?
NIVABUPA has an ROE of 8.18%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Niva Bupa Health Insurance Company Ltd generates profits from shareholders capital.
How is NIVABUPA debt-to-equity ratio and what does it indicate?
NIVABUPA has a debt-to-equity ratio of 0.07, which indicates conservative financing with low financial risk.
What is NIVABUPA dividend yield and is it a good dividend stock?
NIVABUPA offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Niva Bupa Health Insurance Company Ltd shares.
How has NIVABUPA share price grown over the past 5 years?
NIVABUPA has achieved 5-year growth rates of: Sales Growth 38.42%, Profit Growth 40.07%, and EPS Growth N/A%.
What is the promoter holding in NIVABUPA and why does it matter?
Promoters hold 55.41% of NIVABUPA shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Niva Bupa Health Insurance Company Ltd.
What is NIVABUPA market capitalisation category?
NIVABUPA has a market capitalisation of ₹13656 crores, placing it in the Mid-cap category.
How volatile is NIVABUPA stock?
NIVABUPA has a beta of N/A. A beta > 1 suggests the Niva Bupa Health Insurance Company Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is NIVABUPA operating profit margin trend?
NIVABUPA has a 5-year average Operating Profit Margin (OPM) of -5.36%, indicating the company's operational efficiency.
How is NIVABUPA quarterly performance?
Recent quarterly performance shows Niva Bupa Health Insurance Company Ltd YoY Sales Growth of 19.13% and YoY Profit Growth of -370.89%.
What is the institutional holding pattern in NIVABUPA?
NIVABUPA has FII holding of 10.72% and DII holding of 15.31%. Significant institutional holding often suggests professional confidence in the Niva Bupa Health Insurance Company Ltd stock.