Niva Bupa Health Insurance Company Intrinsic Value

NIVABUPA · NSE

— · —

Current market price

₹72.98

Closing price — 1 Oct 2026

Market cap ₹13,273 Cr · EPS

Valuation

Blended fair value using DCF and peer comparison methods.

Insufficient data to compute intrinsic value for NIVABUPA.

DCF is not applicable for this company. Intrinsic value based on peer comparison only.

Niva Bupa Health Insurance Company Intrinsic Value Analysis

The latest available EOD closing price for Niva Bupa Health Insurance Company (NIVABUPA) is ₹73 per share. Stored data does not currently provide a positive intrinsic-value estimate for this page.

The stored classification marks DCF as not applicable, and current peer data is insufficient to provide a peer fair value.

How Understock Calculates Intrinsic Value

Understock follows the company's stored valuation classification. Where DCF applies, the model discounts projected or normalized cash flows and terminal value using stored assumptions. Peer valuation compares available company multiples with medians from matched industry or sector companies, with a curated peer-group fallback where database matches are unavailable; the contributing multiples and their weights depend on sector rules and available data. When neither method has a usable value, the page reports that an estimate is unavailable. DCF and peer estimates can differ because they use different assumptions, financial metrics, and market reference points.

See Niva Bupa Health Insurance Company peer valuation · What intrinsic value means

DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Niva Bupa Health Insurance Company Peer Comparison

How this company stacks up against sector peers on valuation and quality metrics.

Financial Services · 8 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
Niva Bupa Health Insurance Company NIVABUPA · you	₹13,273 Cr	—	—	—	3.5%	—	27.0%
Sector median	—	27.5×	3.1×	19.7×	15.4%	21.5%	21.8%
Multi Commodity Exchange of India MCX	₹74,521 Cr	56.9×	17.9×	43.7×	31.6%	57.8%	61.8%
Housing & Urban Development Corporation HUDCO	₹70,258 Cr	27.5×	3.1×	53.0×	11.4%	23.0%	25.3%
Bajaj Housing Finance BAJAJHFL	₹70,258 Cr	27.5×	3.1×	53.0×	11.4%	23.0%	25.3%
General Insurance Corporation of India GICRE	₹61,983 Cr	6.3×	1.0×	—	16.3%	20.0%	7.4%
Motilal Oswal Financial Services MOTILALOFS	₹61,499 Cr	29.4×	4.2×	19.7×	14.5%	19.9%	30.9%
SBI Cards and Payment Services SBICARD	₹60,365 Cr	28.1×	3.9×	18.8×	13.8%	10.9%	13.3%
HDB Financial Services HDBFS	₹57,044 Cr	20.6×	—	14.5×	1983.5%	—	14.1%
M&M Financial Services M&MFIN	₹54,188 Cr	17.2×	3.0×	3.0×	17.2%	—	18.3%

Peer comparison verdict

Niva is fairly valued relative to sector peers — trading near the sector median on key multiples (P/E ~27.5×, EV/EBITDA ~19.7×). Focus on execution quality and earnings trajectory from here.

Business quality

Valuation

P/E ratio

—

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

3.5%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

27.0%

EPS CAGR (3yr)

118.5%

Efficiency

Asset turnover

—

FCF yield

6.4%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

0.07×

Debt / EBITDA

—

Interest coverage

—

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Is the business financially healthy?

Two structured frameworks that go beyond a single number to assess financial strength.

Altman Z-Score will appear after
financial data loads

Piotroski F-Score

6 / 9 — Moderate

Nine binary checks across profitability, leverage/liquidity, and operating efficiency. 7+ = financially strong; 4–6 = average; 0–3 = weak signals.

Profitability (1–4)

Leverage (5–7)

Efficiency (8–9)

Positive net income

Positive operating cash flow

Improving return on assets

Cash flow exceeds net income

Debt ratio reduced

Improving current ratio

No equity dilution

Improving gross margin

Improving asset turnover

Calculated from annual report data sourced via BSE/NSE filings. For precise figures refer to BSE/NSE filings.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Revenue

Net profit

Operating margin

Net margin

Revenue

₹6,472 Cr

Net profit

₹131 Cr

Operating margin

—

Net margin

2.0%

Revenue and net profit in ₹ Crores (left axis). Margins % on right axis.

Cash flow

Where cash comes from and where it goes.

Operating CFInvesting CFFinancing CFFree cash flow

Operating CF — Cash earned from running the business. The core engine of financial health.

Investing CF — Cash spent on assets and equipment. Negative is normal — it means the company is investing in growth.

Financing CF — Cash from borrowing or repaying loans and dividends. Negative means debt is being repaid.

Free cash flow — Operating CF minus capex. Cash left after keeping the business running. Positive and growing is ideal.

Operating CF

₹904.86 Cr

Investing CF

₹0 Cr

Financing CF

₹0 Cr

Free cash flow

₹856.23 Cr

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

How the company is funded — equity is owners' money, debt is long-term borrowing, current liabilities are short-term obligations.

Equity

Debt

Current liabilities

Total assets

—

Total debt

₹250 Cr

Equity

₹3,790 Cr

Debt / Equity

0.07×

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.

What shareholding tells you: When promoters (founders/controlling shareholders) increase their stake, it usually signals confidence in the business. Rising FII (foreign funds) interest means international money is moving in. High promoter pledge is a risk — pledged shares can be force-sold if the stock price falls sharply.

Latest quarter

Promoter

55.3%

-0.1 pp QoQ

FII

12.1%

+1.5 pp QoQ

DII

16.2%

-0.3 pp QoQ

Retail

16.4%

Trend over time (%)

Quarterly data

Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Change (YoY)
Promoter	56.0%	56.0%	55.4%	55.4%	55.4%	55.4%	55.3%	-0.1 ppYoY
FII (Foreign)	8.8%	8.9%	10.8%	10.7%	10.3%	10.6%	12.1%	+1.3 ppYoY
DII (Domestic)	9.8%	9.7%	15.1%	15.3%	16.0%	16.5%	16.2%	+1.1 ppYoY
Retail	25.4%	25.4%	18.7%	18.6%	18.3%	17.6%	16.4%	-2.3 ppYoY

Signals from the trend

📉

PromoterDown 0.7pp — worth monitoring for further declines

📈

FIINet buyers (+3.2pp) — foreign institutional interest is growing

📈

DIINet buyers (+6.4pp) — domestic funds are accumulating

Mixed signals — FII buying and DII buying on the positive side, but promoter selling adds uncertainty.

pp = percentage points. FII = Foreign Institutional Investors. DII = Domestic Institutional Investors (MFs, insurance). Data sourced from NSE/BSE filings. Verify on BSE/NSE before any investment decision.