NSE NIVABUPA · BSE 544286 · Insurance (Accident & Health) · NIFTY 500
Niva Bupa Health Insurance Company Share Price
₹76.14
▼ −₹3.83 · 4.79%
NSE · as of 24 Sep 2026, 9:37 AM · BSE ₹76.33
Today's range
₹76.01Low₹79.95High
52-week range
₹67.50Low · 24 Mar 2026₹91.20High · 31 Jul 2026
Niva Bupa Health Insurance Company Overview
Where the price stands, how it has moved and how it sits against its averages.
Niva Bupa Health Insurance Company shares last traded at ₹76.14 on the NSE, down 4.79% on the day. That is 16.5% below the 52-week high of ₹91.20 and 12.8% above the 52-week low of ₹67.50. The stock trades at 42.74× earnings, above the sector average of 11.64. Its market value is ₹14,139 Cr.
Price returns
1 Day▼ −4.79%
5 Days▲ +0.85%
This month▼ −1.27%
3 Months▼ −7.13%
6 Months▲ +12.38%
This year▲ +6.41%
1 Year▼ −1.84%
Against the market: 1 Month ▲ +1.09% · 3 Months ▼ −4.45% · 6 Months ▲ +13.05% · This year ▲ +21.18% · 1 Year ▲ +7.71%
Shading grows with the size of the move. Prices refresh every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next update from Mon 28 Sep, 9:15 AM.
Moving averages — price is above 0 of 6
- 100-day average₹83.63 ▼ price 9.0% below
- 50-day average₹83.60 ▼ price 8.9% below
- 20-day average₹80.83 ▼ price 5.8% below
- 10-day average₹80.10 ▼ price 4.9% below
- 5-day average₹80.01 ▼ price 4.8% below
- 300-day average₹79.50 ▼ price 4.2% below
- Today's price₹76.14
Averages above today's price sit higher on the ladder. Price above most of its averages is usually read as an upward trend.
Niva Bupa Health Insurance Company Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
6,472
−197
214
131
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹6,472 Cr | ▲ +24.9% | ₹131 Cr | 2.0% | ₹0.71 | — |
| FY 2025 | ₹5,182 Cr | ▲ +23.5% | ₹214 Cr | 4.1% | ₹1.22 | — |
| FY 2024 | ₹4,194 Cr | ▲ +32.7% | ₹82 Cr | 2.0% | ₹0.45 | — |
| FY 2023 | ₹3,161 Cr | ▲ +49.7% | ₹13 Cr | 0.4% | ₹0.07 | — |
| FY 2022 | ₹2,112 Cr | ▲ +52.6% | −₹197 Cr | −9.3% | −₹1.08 | — |
| FY 2021 | ₹1,384 Cr | ▲ +34.4% | −₹50 Cr | −3.6% | −₹0.27 | — |
| FY 2020 | ₹1,030 Cr | — | −₹62 Cr | −6.0% | −₹0.34 | — |
2,426
−88
345
138
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹2,426 Cr | ▲ +15.4% | ₹138 Cr | 5.7% | ₹0.74 |
| Q4 FY26 | ₹2,102 Cr | ▲ +36.3% | ₹345 Cr | 16.4% | ₹1.89 |
| Q3 FY26 | ₹1,543 Cr | ▲ +1.5% | −₹88 Cr | −5.7% | −₹0.47 |
| Q2 FY26 | ₹1,520 Cr | ▼ −20.5% | −₹35 Cr | −2.3% | −₹0.19 |
| Q1 FY26 | ₹1,913 Cr | ▲ +18.0% | ₹71 Cr | 3.7% | ₹0.39 |
| Q4 FY25 | ₹1,621 Cr | ▲ +34.7% | ₹206 Cr | 12.7% | ₹1.35 |
| Q3 FY25 | ₹1,204 Cr | ▼ −6.1% | ₹13 Cr | 1.1% | ₹0.07 |
| Q2 FY25 | ₹1,281 Cr | — | ₹13 Cr | 1.0% | ₹0.07 |
Balance sheet — FY26
Owes (liabilities)Shareholders' equity
68%
32%
- Total assets₹11,864 Cr
- Total liabilities₹8,074 Cr
- Shareholders' equity₹3,790 Cr
- Total debt₹250 Cr
- Revenue growth, 5 yr36.15% a year
- Operating margin (TTM)3.62%
- Net margin (TTM)4.74%
Cash flow — FY26
Operating activities
▲ ₹905 Cr
Investing activities
▼ −₹961 Cr
Financing activities
▼ −₹5 Cr
Free cash flow
▲ ₹856 Cr
Net change in cash
▼ −₹62 Cr
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 1,029.56 | 1,383.54 | 2,111.52 | 3,161.27 | 4,194.38 | 5,181.81 | 6,472.33 |
| Cost of revenue | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — |
| Operating expenses | 1,119.20 | 1,462.82 | 2,352.78 | 3,210.86 | 4,253.23 | 5,002.40 | 6,537.11 |
| Operating income | −89.64 | −79.28 | −241.26 | −49.58 | −58.85 | 179.41 | −64.78 |
| Depreciation | 20.67 | 22.05 | 26.76 | 31.99 | 29.39 | 24.61 | 35.67 |
| Profit before tax | −61.55 | −49.74 | −196.53 | 12.54 | 81.85 | 213.52 | 126.81 |
| Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −3.97 |
| Net profit | −61.55 | −49.74 | −196.53 | 12.54 | 81.85 | 213.52 | 130.78 |
| EPS (₹) | −0.34 | −0.27 | −1.08 | 0.07 | 0.45 | 1.22 | 0.71 |
| Dividend per share (₹) | — | — | — | — | — | — | — |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 2,017.41 | 2,728.88 | 3,764.79 | 4,890.38 | 7,123.83 | 10,478.61 | 11,863.53 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | — | — | — | — | — | — | — |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 15.06 | 19.46 | 24.54 | 28.80 | 24.47 | 75.25 | 87.99 |
| Total liabilities | 891.39 | 1,322.23 | 2,232.78 | 3,048.49 | 4,141.21 | 6,702.39 | 8,073.94 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 0.00 | 0.00 | 250.00 | 250.00 | 250.00 | 250.00 | 250.00 |
| Total equity | 1,126.02 | 1,406.65 | 1,532.01 | 1,841.89 | 2,982.62 | 3,776.22 | 3,789.59 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | 106.94 | 257.10 | 337.81 | 592.51 | 812.52 | 1,654.38 | 904.86 |
| From investing | −302.54 | −373.98 | −760.82 | −829.39 | −1,881.59 | −2,347.60 | −961.34 |
| From financing | 145.00 | 280.48 | 373.76 | 279.93 | 1,110.02 | 770.75 | −5.21 |
| Capital expenditure | −29.74 | −28.39 | −28.79 | −37.79 | −32.95 | −41.42 | −48.63 |
| Dividends paid | — | — | — | — | — | — | — |
| Net change in cash | −50.60 | 163.60 | −49.25 | 43.05 | 40.96 | 77.53 | −61.69 |
What Analysts Say
9 analysts
Recommendations from 9 analysts who cover Niva Bupa Health Insurance Company.
Buy
average rating 1.89 on a 1–5 scale
Strong buyBuyHoldSellStrong sell
▲ 7 bullish (77.8%) · 2 hold (22.2%) · ▼ 0 bearish (0.0%)
Votes
Strong Buy
3 (33%)
Buy
4 (44%)
Hold
2 (22%)
Sell
0 (0%)
Strong Sell
0 (0%)
How the votes changed
| Rating | 3M ago | 2M ago | 1M ago | 1W ago | Now | 3-month change |
|---|---|---|---|---|---|---|
| Strong Buy | 3 | 3 | 3 | 3 | 3 | — |
| Buy | 2 | 3 | 4 | 4 | 4 | ▲ +2 |
| Hold | 1 | 1 | 2 | 2 | 2 | ▲ +1 |
| Sell | 0 | 0 | 0 | 0 | 0 | — |
| Strong Sell | 0 | 0 | 0 | 0 | 0 | — |
Analyst ratings are opinions, not a guarantee of returns.
Niva Bupa Health Insurance Company vs Peers
Side by side with other insurance (accident & health) companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield | Rating |
|---|---|---|---|---|---|---|---|---|---|
| Niva Bupa Health Insurance Company | ₹76.14 | ▼ −4.79% | ₹14,139 Cr | 42.74 | 3.91 | 1.90% | 4.74% | 0.00% | This stock |
| Max Financial Services | ₹1,408.75 | ▼ −9.44% | ₹48,618 Cr | 658.48 | 10.00 | 6.63% | 0.22% | — | Bearish |
| Max India | ₹150.15 | ▲ +0.33% | ₹843 Cr | — | 2.11 | −13.45% | −63.94% | — | Neutral |
Rating = the data provider's overall technical view of each peer. Company names link to their own pages.
Niva Bupa Health Insurance Company Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
Niva Bupa Health Insurance CompanyBenchmarkComfortable → stretched
Valuation Is the price reasonable?
P/E (TTM)Price ÷ yearly earnings per share
42.74
▲ 267% above the sector average of 11.64
P/BPrice ÷ book value per share
3.91
P/SPrice ÷ sales per share
1.95
PEGP/E ÷ earnings growth (≈1 is fair)
0.35
Profitability Of every ₹100 of sales, how much is kept?
Operating marginKept after running costs
3.62%
▲ above its 5-yr average of −1.11%
Pre-tax marginKept before tax
5.30%
▲ above its 5-yr average of 1.13%
Net marginKept as profit
4.74%
▲ above its 5-yr average of 1.15%
Returns & efficiency How well does it use its money?
Return on equityProfit on shareholders' money
3.46%
▲ above its 5-yr average of 1.90%
Return on assetsProfit on everything it owns
1.17%
▲ above its 5-yr average of 0.72%
Growth Is the business getting bigger?
Revenue — last 12 months
+26.1%
▲ growing (off the scale)
Revenue — 3 yr, a year
+27.0%
▲ growing (off the scale)
Revenue — 5 yr, a year
+36.2%
▲ growing (off the scale)
EPS — last 12 months
+4.7%
▲ growing
EPS — 3 yr, a year
+117.9%
▲ growing (off the scale)
Book value — 5 yr, a year
+21.7%
▲ growing
Financial strength Can it pay its bills and debts?
Debt to equityBorrowings for every ₹1 of shareholders' money
0.07×
Payout ratioShare of profit paid as dividend
0.00%
Per share What each share stands for
EPS (TTM)
₹1.97
Book value
₹20.51
Cash flow
₹0.90
Dividend
₹0.00
Revenue
₹40.97
The share price is 3.71× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 92 metrics from the data provider
Valuation
P/E excluding extraordinary items, most recent fiscal year113.04
Current Dividend Yield - Common Stock Primary Issue, LTM0.00
Price to Book - most recent fiscal year3.91
P/E Basic excluding extraordinary items - TTM42.74
P/E including extraordinary items - TTM40.75
Price to Tangible Book - most fiscal year3.92
Price to sales - most recent fiscal year2.29
Net Debt, LFI0.00
Price to Tangible Book - most recent quarter3.87
Price to Book - most recent quarter3.86
Peg Ratio0.35
Price to Free Cash Flow per Share - most recent fiscal year17.33
P/E Normalized, most recent fiscal year113.04
P/E excluding extraordinary items, most recent fiscal year quarter40.75
Price to sales - trailing 12 month1.95
Net Debt, LFY913.40
Per share
Cash Flow per share - most recent fiscal year0.90
Book value (tangible) per share - most recent quarter20.76
EPS including extraordinary items - trailing 12 month1.97
EPS including extraordinary items - most recent fiscal year0.71
EBITD per share - trailing 12 month1.48
Revenue/share - trailing 12 month40.97
EPS excluding extraordinary items - trailing 12 month1.97
EPS Basic excluding extraordinary items - most recent fiscal year0.71
EPS Basic excluding extraordinary items - trailing 12 month1.98
Book value per share - most recent fiscal year20.51
Book value per share - most recent quarter20.76
Revenue/share - most recent fiscal year35.12
EPS Normalized - most recent fiscal year0.71
Book value (tangible) per share - most recent fiscal year20.51
Dividends per share - trailing 12 month0.00
EPS excluding extraordinary items - most recent fiscal year0.71
Cash per share - most recent fiscal year0.86
Margins
Operating margin - trailing 12 month3.62
Operating margin - 1st historical fiscal year−1.00
Operating Margin - 5 year average−1.11
Net Profit Margin % - 1st historical fiscal year2.02
Net Profit Margin % - trailing 12 month4.74
Net Profit Margin - 5 year average1.15
Pretax Margin - 5 year average1.13
Pretax margin - 1st historical fiscal year1.96
Pretax margin - trailing 12 month5.30
Free Operating Cash Flow/Revenue, 5 Year Average19.47
Growth
EPS Change %, TTM over TTM4.71
Revenue growth rate, 5 year36.15
Revenue Change % - most recent quarter 1 year ago26.81
Growth rate% - EPS, 3 year117.86
Revenue/share (5 yr growth)35.92
Free Operating Cash Flow, 5 Year CAGR30.21
Tangible Book Value, Total Equity, 5 Year CAGR22.41
Capital Spending growth rate, 5 year11.37
Revenue Change %, TTM over TTM26.12
Growth rate% - Revenue, 3 year26.98
Book value per share growth rate, 5 year21.65
EPS Change % - most recent quarter 1 year ago89.74
Financial strength
Total debt/total equity - most recent quarter0.00
Free Cash Flow - most recent fiscal year8,562.30
LT debt/equity - most recent fiscal year0.07
Payout ratio - trailing 12 month0.00
LT debt/equity - most recent quarter0.00
Total debt/total equity - most recent fiscal year0.07
Payout ratio - most recent fiscal year0.00
Returns & efficiency
Return on average equity - 5 year average1.90
Net Income/employee - trailing 12 month3,53,272.50
Revenue/employee - most recent fiscal year67,67,742.00
Return on average assets - most recent fiscal year1.17
Revenue/employee - trailing 12 month74,48,730.00
Return on average assets - 5 year average0.72
Net Income/employee - most recent fiscal year1,36,749.10
Asset turnover - most recent fiscal year0.58
Return on average equity - most recent fiscal year3.46
Price & volume
Market Cap14,398.75
52 week Low Date24 Mar 2026
Price - 1 Day % Change−0.74
Relative (S&P500) price percent change - 13 week−4.45
Avg trading volume last 10 days0.77
Price - 13 week price percent change−7.13
Price - 52 week price percent change−1.84
Avg Trading Volume Last 3 months27.28
Price - 5 Day % Change0.85
Price % Change Month To Date−1.27
Relative (S&P500) price percent change - 04 week1.09
52 week High Date31 Jul 2026
Price - 26 week price percent change12.38
PDATE23 Sep 2026
Price - YTD price percent change6.41
Relative (S&P500) price percent change - 52 week7.71
NPRICE80.23
Relative (S&P500) price percent change - 26 week13.05
52 week Low67.50
52 week High91.40
Relative (S&P500) price percent change - Year to Date21.18
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
- Dividend yield0.00%
- Payout ratio0.00%
No dividends on record.
Corporate calendar
- MeetingAnnual General Meeting
- BoardQuarterly Results & Others
- BoardAudited Results
- MeetingPostal Ballot
- BoardQuarterly Results
- MeetingPostal Ballot
- BoardQuarterly Results
- MeetingAnnual General Meeting
Show 6 older events
- BoardQuarterly Results
- MeetingPostal Ballot
- BoardAudited Results
- MeetingPostal Ballot
- BoardQuarterly Results
- BoardQuarterly Results
About Niva Bupa Health Insurance Company
Insurance (Accident & Health)
Niva Bupa Health Insurance Company Limited is an India-based standalone health insurer (SAHI), focused on the retail health market. The Company's products are categorized into retail products, which are intended for individuals and families, and group products, which are intended for employers and employees, as well as third parties such as customers of banks and other corporate agents. Its businesses include health insurance, personal accident and travel insurance. Its health insurance business includes both indemnity-based and benefit-based health insurance products which are offered to retail and group customers. Its personal accident business includes primarily benefit-based products offered to retail and group customers. Its travel insurance business includes a combination of indemnity-based and benefit-based products, along with travel inconvenience benefits. Its travel insurance products are offered to retail and group customers, including domestic and international travelers.
Key people
- Krishnan RamachandranChief Executive Officer, Managing Director, Executive Director
- Ankur KharbandaDeputy Chief Executive Officer, Executive Director
- Vishwanath MahendraChief Financial Officer, Executive Director
- Aparna SharmaCompliance Officer, Company Secretary
Company facts
- NSE symbolNIVABUPA
- BSE code544286
- ISININE995S01015
- IndustryInsurance (Accident & Health)
- IndexNIFTY 500
- Market cap₹14,139 Cr
- Revenue (FY26)₹6,472 Cr
- Net profit (FY26)₹131 Cr
Stock data comes from the exchange feed via our data provider and may be delayed. It is for information only and is not a recommendation to buy or sell. See all stocks →
Frequently Asked Questions
Niva Bupa Health Insurance Company (NSE: NIVABUPA) last traded at ₹76.14 on the NSE, down 4.79% (₹3.83) on the day, as of 24 Sep 2026, 9:37 AM. On the BSE it was ₹76.33. The day's range was ₹76.01 – ₹79.95.
Niva Bupa Health Insurance Company's 52-week high is ₹91.20 (31 Jul 2026) and its 52-week low is ₹67.50 (24 Mar 2026). At ₹76.14 the share is 16.5% below its high and 12.8% above its low.
Niva Bupa Health Insurance Company's market capitalisation is ₹14,139 Cr (₹14,139 Cr). It is part of the NIFTY 500 index.
Niva Bupa Health Insurance Company's P/E ratio (trailing 12 months) is 42.74. The sector average is 11.64, so investors pay 267% more for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹1.97.
Niva Bupa Health Insurance Company shares are down 1.84% over the last year, up 6.41% so far this year, up 12.38% over 6 months, down 7.13% over 3 months. Over the last year the stock did 7.71% better than the market.
In FY26 (year to Mar 2026), Niva Bupa Health Insurance Company reported revenue of ₹6,472 Cr (up 24.90% on the year before) and a net profit of ₹131 Cr. Earnings per share were ₹0.71.
There is no dividend on record for Niva Bupa Health Insurance Company in the data shown on this page.
Of 9 analysts covering Niva Bupa Health Insurance Company, 7 are bullish (3 strong buy, 4 buy), 2 say hold and 0 are bearish. The consensus is Buy (average rating 1.89 on a scale where 1 is Strong Buy and 5 is Strong Sell). Analyst views are opinions, not a guarantee.
As of Jun 2026: Promoter 55.30%, FII 12.09%, MF 9.35%, Other 23.26%. Promoter holding fell by 0.06 percentage points from Mar 2026.
Niva Bupa Health Insurance Company's listed peers in Insurance (Accident & Health) include Max Financial Services, Max India. By market capitalisation it ranks #2 of 3 in this group.