NIVABUPA
Niva Bupa Health Insurance Company Limited (NIVABUPA) Stock Analysis
Niva Bupa Health Insurance Company Limited is a private health insurer in India offering retail and group medical policies with hospital cashless networks. It underwrites health risks and invests float for returns. Growth is driven by rising health insurance penetration in India. It is listed on Indian stock exchanges.
Financial Services › Insurance - Life
₹76.00
-2.18% 1W | +0.10% 52W
Market Cap
14.0k CR
P/E Ratio
39
52W High
₹91.4
52W Low
₹67.5
Div. Yield
0%
Beta
–
50 DMA
₹80.1
200 DMA
₹79.7
Profit Margin
4.8%
Inst. Own.
15.9%
🔥 APPROACHING RESISTANCE
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 969 | 1,026 | 1,316 | 1,124 | 1,321 | 1,258 | 1,671 | 1,932 | 1,574 | 1,611 | 2,251 | 2,471 |
| Expenses | 1,027 | 1,071 | 1,215 | 1,228 | 1,387 | 1,282 | 1,420 | 1,834 | 1,627 | 1,705 | 2,069 | 2,287 |
| Operating Profit | -58 | -46 | 100 | -103 | -66 | -24 | 251 | 98 | -53 | -94 | 182 | 184 |
| OPM % | -6% | -4.4% | 8% | -9% | -5.0% | -1.9% | 15% | 5% | -3.4% | -6% | 8% | 7% |
| Other Income | 50 | 50 | 57 | 84 | 79 | 37 | -45 | -0 | 18 | 7 | -1 | -0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -8 | 5 | 157 | -19 | 13 | 13 | 206 | 98 | -35 | -88 | 181 | 184 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 27% | 0% | 0% | 12% | 25% |
| Net Profit | -8 | 5 | 157 | -19 | 13 | 13 | 206 | 71 | -35 | -88 | 159 | 138 |
| EPS in Rs | 0.07 | 1.13 | 0.39 | -0.19 | -0.47 | 0.86 | 0.75 |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 851 | 1,057 | 1,413 | 1,877 | 2,853 | 4,115 | 5,374 | 6,695 | 7,907 |
| Expenses | 880 | 1,094 | 1,435 | 2,328 | 3,183 | 4,228 | 5,292 | 6,534 | 7,689 |
| Operating Profit | -29 | -37 | -22 | -451 | -330 | -113 | 83 | 160 | 218 |
| OPM % | -3.4% | -3.5% | -1.5% | -24% | -12% | -2.7% | 1.5% | 2.4% | 2.8% |
| Other Income | 0 | 0 | 0 | 281 | 374 | 224 | 155 | 2 | 23 |
| Interest | 3 | 4 | 6 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 16 | 21 | 22 | 27 | 32 | 29 | 25 | 36 | 0 |
| Profit before tax | -48 | -62 | -50 | -197 | 13 | 82 | 214 | 127 | 242 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | -3% | |
| Net Profit | -48 | -62 | -50 | -197 | 13 | 82 | 214 | 131 | 174 |
| EPS in Rs | 1.17 | 0.71 | 0.95 | ||||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 33.0% | 36.0% | – |
| Profit CAGR | 127.0% | 36.0% | – |
Shareholding Pattern
Promoters55.43%
FIIs10.76%
DIIs15.06%
Public18.74%
Promoters55.41%
FIIs10.72%
DIIs15.31%
Public18.57%
Promoters55.36%
FIIs10.31%
DIIs16.04%
Public18.27%
Promoters55.36%
FIIs10.60%
DIIs16.49%
Public17.56%
Promoters55.30%
FIIs12.09%
DIIs16.17%
Public16.44%
Promoters55.98%
FIIs8.90%
DIIs9.71%
Public25.42%
Promoters55.36%
FIIs10.60%
DIIs16.49%
Public17.56%
Promoters55.30%
FIIs12.09%
DIIs16.17%
Public16.44%
NIVABUPA
Holdings Analysis
Key strengths & risk signals
69
Overall
79
Fundamental
60
Technical
Risks (4)
LOW MARGIN! 4.8% profit margin - thin profits.
WEAK POSITION! Current price (76.0) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.2% (1 week), 4.5% (1 month), 11.7% (3 months).
POSITIVE YEAR! Stock gained 0.1% in the last year.
Strengths (4)
UNDERVALUED! PEG of 0.33 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (80.1) is above 200-day average (79.7) - positive signal.
BULLISH SENTIMENT! In last 30 days: 14 up days, 15 down days. Avg volume on up days: 1,972,470 vs down days: 1,460,272. Ratio: 1.35x
NEUTRAL! RSI at 42.9 - balanced momentum.
Fundamental & Technical Analysis
69Overall
79Fundamental
60Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 36.4% (EXCELLENT, 15/15). Profit CAGR: 118.5% (EXCELLENT, 15/15).
Profit Margin
2/10
LOW MARGIN! 4.8% profit margin - thin profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.33 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.08 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 25.36% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (80.1) is above 200-day average (79.7) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (76.0) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
4/10
POSITIVE YEAR! Stock gained 0.1% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 15 down days. Avg volume on up days: 1,972,470 vs down days: 1,460,272. Ratio: 1.35x
RSI
3/5
NEUTRAL! RSI at 42.9 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 35.6% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.2% (1 week), 4.5% (1 month), 11.7% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
NIVABUPA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-03 | Concall PDF | |
| Q4FY262026-05-13 | Concall PDF | |
| Q3FY262026-02-03 | Concall PDF | |
| Q2FY262025-11-06 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
| RELIGARE | ₹220.50 | 150 | 0.6% | 31.4% | -0.4% | -14.0% | 51 | BREAKDOWN | -356.9% | -131.9% | +23.8% | -6.9% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
Data from TradeAlone · Updated daily
