New India Assurance Company Ltd

NIACL
Insurance
โ‚น 189.62
Price
โ‚น 31,269
Market Cap
Large Cap
26.11
P/E Ratio

๐Ÿ“Š Score Snapshot

6.33 / 25
Performance
25 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
38.33 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 1,017 211.00 -390.00 272.00 2,164 1,755 -242.00 499.00
Adj Cash EBITDA Margin 2.33 0.48 -0.95 0.76 6.54 6.19 -0.87 2.52
Adj Cash EBITDA To EBITDA 0.99 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash EPS 6.25 12.84 15.13 1.13 9.94 8.74 9.18 24.57
Adj Cash PAT 1,032 2,120 2,495 190.21 1,643 1,445 1,518 4,049
Adj Cash PAT To PAT 0.99 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash PE 25.26 29.79 13.33 97.84 15.65 12.24 52.49 25.53
Adj EPS 6.29 12.84 15.13 1.13 9.94 8.74 9.18 24.57
Adj EV To Cash EBITDA - - 181.52 - - - 160.23 -
Adj EV To EBITDA - - 181.52 - - - 160.23 -
Adj Number Of Shares 164.86 164.84 164.78 165.25 164.82 164.80 164.85 164.79
Adj PE 25.12 29.79 13.33 97.84 15.65 12.24 52.49 25.53
Adj Peg - - 0.01 - 1.14 - - -
Bvps 176.16 171.96 157.31 156.50 155.35 130.95 146.57 149.69
Cash ROCE 3.23 0.47 -1.49 0.76 7.20 6.46 -1.27 0.88
Cash Roic -1.20 -1.87 -1.68 -0.16 -3.47 2.22 0.80 10.04
Cash Revenue 43,571 43,676 41,007 35,821 33,066 28,343 27,660 19,798
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Dividend Yield 1.31 0.79 0.33 0.26 - - 0.81 1.29
EV -72,653 -57,018 -70,794 -65,099 -53,206 -45,681 -38,776 -9,313
EV To EBITDA - 54.30 33.41 - - - 31.02 5.14
EV To Fcff - - - - - 46.55 111.11 2.30
Fcfe 926.00 2,127 2,504 181.21 1,697 1,472 1,505 3,907
Fcfe Margin 2.13 4.87 6.11 0.51 5.13 5.19 5.44 19.73
Fcfe To Adj PAT 0.89 1.00 1.00 0.95 1.03 1.02 0.99 0.96
Fcff 832.60 1,121 1,010 91.12 1,677 -981.26 -348.97 -4,057
Fcff Margin 1.91 2.57 2.46 0.25 5.07 -3.46 -1.26 -20.49
Fcff To NOPAT 0.88 1.01 1.01 0.91 1.03 0.97 1.04 1.04
Market Cap 26,046 39,421 16,033 18,905 25,654 17,650 30,769 55,921
PB 0.90 1.39 0.62 0.73 1.00 0.82 1.27 2.27
PE 25.12 35.32 15.30 96.95 15.64 12.24 50.86 25.53
Peg - 5.48 0.03 - 1.14 0.09 - -
PS 0.60 0.90 0.39 0.53 0.78 0.62 1.11 2.82
ROCE 3.62 0.44 -1.52 0.80 6.98 6.34 -1.23 1.51
ROE 3.62 7.81 9.64 0.74 6.96 6.32 6.22 17.84
Roic -1.37 -1.86 -1.67 -0.18 -3.36 2.28 0.78 9.69
Share Price 157.99 239.15 97.30 114.40 155.65 107.10 186.65 339.35

๐Ÿ“Š Quarterly Results

Metric Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
Sales 13,450 11,719 11,664 10,703 10,786 10,418 11,686 11,366 10,567 9,900 10,182 10,558 11,590 8,595
Expenses - 13,319 11,530 11,239 10,605 10,646 10,148 11,252 10,500 10,813 9,557 10,073 9,668 11,556 8,436
Other Income - -108.00 - 77.00 9.00 1.00 2.00 36.00 - 4.00 -25.00 41.00 17.00 4.00 3.00
Profit Before Tax 23.00 391.00 502.00 107.00 141.00 272.00 470.00 866.00 -242.00 318.00 150.00 908.00 38.00 161.00
Tax % -139.13 -2.81 29.08 -226.17 35.46 10.66 33.40 16.63 27.69 17.92 17.33 18.94 -39.47 14.91
Net Profit - 55.00 402.00 356.00 349.00 91.00 243.00 313.00 722.00 -175.00 261.00 124.00 736.00 53.00 137.00
Profit From Associates 35.00 - 35.00 4.00 17.00 10.00 5.00 9.00 20.00 -4.00 -20.00 -9.00 12.00 7.00
Minority Share -1.00 - 2.00 1.00 -1.00 -4.00 -2.00 - -1.00 -1.00 2.00 1.00 -2.00 -3.00
Profit Excl Exceptional 55.00 402.00 356.00 349.00 91.00 243.00 313.00 722.00 -175.00 261.00 124.00 736.00 53.00 137.00
Profit For PE 54.00 - 356.00 349.00 90.00 239.00 311.00 722.00 -175.00 260.00 124.00 736.00 51.00 134.00
Profit For EPS 54.00 - 359.00 349.00 90.00 239.00 311.00 722.00 -176.00 260.00 126.00 737.00 51.00 134.00
EPS In Rs 0.33 2.43 2.18 2.12 0.54 1.45 1.89 4.38 -1.07 1.58 0.77 4.47 0.31 0.81
PAT Margin % 0.41 3.43 3.05 3.26 0.84 2.33 2.68 6.35 -1.66 2.64 1.22 6.97 0.46 1.59
PBT Margin 0.17 3.34 4.30 1.00 1.31 2.61 4.02 7.62 -2.29 3.21 1.47 8.60 0.33 1.87
Tax -32.00 -11.00 146.00 -242.00 50.00 29.00 157.00 144.00 -67.00 57.00 26.00 172.00 -15.00 24.00
Yoy Profit Growth % -40.00 67.00 15.00 -52.00 151.00 -8.00 151.00 -2.00 -442.00 94.00 122.00 46.00 -65.00 36.00
Adj Ebit 23.00 189.00 502.00 107.00 141.00 272.00 470.00 866.00 -242.00 318.00 150.00 907.00 38.00 162.00
Adj EBITDA 23.00 189.00 502.00 107.00 141.00 272.00 470.00 866.00 -242.00 318.00 150.00 907.00 38.00 162.00
Adj EBITDA Margin 0.17 1.61 4.30 1.00 1.31 2.61 4.02 7.62 -2.29 3.21 1.47 8.59 0.33 1.88
Adj Ebit Margin 0.17 1.61 4.30 1.00 1.31 2.61 4.02 7.62 -2.29 3.21 1.47 8.59 0.33 1.88
Adj PAT 55.00 402.00 356.00 349.00 91.00 243.00 313.00 722.00 -175.00 261.00 124.00 736.00 53.00 137.00
Adj PAT Margin 0.41 3.43 3.05 3.26 0.84 2.33 2.68 6.35 -1.66 2.64 1.22 6.97 0.46 1.59
Ebit 23.00 189.00 502.00 107.00 141.00 272.00 470.00 866.00 -242.00 318.00 150.00 907.00 38.00 162.00
EBITDA 23.00 189.00 502.00 107.00 141.00 272.00 470.00 866.00 -242.00 318.00 150.00 907.00 38.00 162.00
EBITDA Margin 0.17 1.61 4.30 1.00 1.31 2.61 4.02 7.62 -2.29 3.21 1.47 8.59 0.33 1.88
Ebit Margin 0.17 1.61 4.30 1.00 1.31 2.61 4.02 7.62 -2.29 3.21 1.47 8.59 0.33 1.88
NOPAT 313.26 194.31 301.41 319.65 90.36 241.22 289.04 721.98 -177.88 281.53 90.11 721.43 47.42 135.29
NOPAT Margin 2.33 1.66 2.58 2.99 0.84 2.32 2.47 6.35 -1.68 2.84 0.88 6.83 0.41 1.57
Operating Profit 131.00 189.00 425.00 98.00 140.00 270.00 434.00 866.00 -246.00 343.00 109.00 890.00 34.00 159.00
Operating Profit Margin 0.97 1.61 3.64 0.92 1.30 2.59 3.71 7.62 -2.33 3.46 1.07 8.43 0.29 1.85

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014
Sales 43,571 43,676 41,007 35,821 33,066 28,343 27,660 19,798 20,234 15,215 13,354 10,994
Interest - - - - - - - 12.00 6.00 4.00 3.00 2.00
Expenses - 42,641 42,213 39,728 35,644 30,931 29,406 27,944 24,590 20,692 18,195 17,107 14,403
Other Income - 93.00 -1,252 -1,669 95.00 29.00 2,818 42.00 5,291 1,065 2,637 4,020 3,262
Exceptional Items - 1,261 1,729 -7.00 -3.00 -2.00 1,008 2,310 639.00 1,426 1,467 1,130
Depreciation - 59.00 82.00 87.00 103.00 93.00 90.00 74.00 47.00 34.00 28.00 38.00
Profit Before Tax 1,022 1,412 1,256 178.00 2,060 1,659 677.00 2,722 1,194 1,045 1,703 943.00
Tax % -1.57 20.68 16.40 -11.24 20.15 12.78 9.90 19.54 12.06 8.23 17.09 11.98
Net Profit - 1,038 1,120 1,050 198.00 1,645 1,447 610.00 2,190 1,050 959.00 1,412 830.00
Profit From Associates 66.00 29.00 -11.00 21.00 17.00 11.00 5.00 1.00 22.00 29.00 35.00 25.00
Minority Share -2.00 -4.00 -2.00 -4.00 -5.00 -4.00 -5.00 -1.00 -4.00 2.00 4.00 -
Exceptional Items At - 796.00 1,293 -7.00 -2.00 -2.00 934.00 1,858 547.00 1,260 1,182 968.00
Profit Excl Exceptional 1,038 324.00 -243.00 205.00 1,647 1,449 -324.00 333.00 503.00 -300.00 230.00 -137.00
Profit For PE 1,037 323.00 -243.00 201.00 1,642 1,444 -322.00 332.00 501.00 -300.00 230.00 -137.00
Profit For EPS 1,037 1,116 1,048 195.00 1,640 1,442 605.00 2,190 1,046 961.00 1,416 830.00
EPS In Rs 6.29 6.77 6.36 1.18 9.95 8.75 3.67 13.29 - - - -
Dividend Payout % 33.00 28.00 5.00 25.00 - - 41.00 33.00 30.00 26.00 21.00 27.00
PAT Margin % 2.38 2.56 2.56 0.55 4.97 5.11 2.21 11.06 5.19 6.30 10.57 7.55
PBT Margin 2.35 3.23 3.06 0.50 6.23 5.85 2.45 13.75 5.90 6.87 12.75 8.58
Tax -16.00 292.00 206.00 -20.00 415.00 212.00 67.00 532.00 144.00 86.00 291.00 113.00
Adj Ebit 1,023 152.00 -472.00 185.00 2,061 1,662 -332.00 425.00 560.00 -377.00 239.00 -185.00
Adj EBITDA 1,023 211.00 -390.00 272.00 2,164 1,755 -242.00 499.00 607.00 -343.00 267.00 -147.00
Adj EBITDA Margin 2.35 0.48 -0.95 0.76 6.54 6.19 -0.87 2.52 3.00 -2.25 2.00 -1.34
Adj Ebit Margin 2.35 0.35 -1.15 0.52 6.23 5.86 -1.20 2.15 2.77 -2.48 1.79 -1.68
Adj PAT 1,038 2,120 2,495 190.21 1,643 1,445 1,518 4,049 1,612 2,268 2,628 1,825
Adj PAT Margin 2.38 4.85 6.09 0.53 4.97 5.10 5.49 20.45 7.97 14.90 19.68 16.60
Ebit 1,023 -1,109 -2,201 192.00 2,064 1,664 -1,340 -1,885 -79.00 -1,803 -1,228 -1,315
EBITDA 1,023 -1,050 -2,119 279.00 2,167 1,757 -1,250 -1,811 -32.00 -1,769 -1,200 -1,277
EBITDA Margin 2.35 -2.40 -5.17 0.78 6.55 6.20 -4.52 -9.15 -0.16 -11.63 -8.99 -11.62
Ebit Margin 2.35 -2.54 -5.37 0.54 6.24 5.87 -4.84 -9.52 -0.39 -11.85 -9.20 -11.96
NOPAT 944.60 1,114 1,001 100.12 1,623 -1,008 -336.97 -3,915 -444.10 -2,766 -3,135 -3,034
NOPAT Margin 2.17 2.55 2.44 0.28 4.91 -3.56 -1.22 -19.78 -2.19 -18.18 -23.47 -27.60
Operating Profit 930.00 1,404 1,197 90.00 2,032 -1,156 -374.00 -4,866 -505.00 -3,014 -3,781 -3,447
Operating Profit Margin 2.13 3.21 2.92 0.25 6.15 -4.08 -1.35 -24.58 -2.50 -19.81 -28.31 -31.35

๐Ÿฆ Balance Sheet

Metric Sep 2025 Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019
Accumulated Depreciation - - - 982.10 - 975.13 923.22 876.29 820.43 763.39
Average Capital Employed 29,704 28,694 28,888 27,134 - 25,890 25,732 23,592 22,871 24,414
Average Invested Capital -80,550 -69,126 -71,622 -59,930 - -60,089 -56,338 -48,266 -44,254 -43,404
Average Total Assets 111,035 108,948 106,776 103,174 - 97,360 94,483 84,861 78,902 78,144
Average Total Equity 29,703 28,694 28,888 27,134 - 25,891 25,732 23,592 22,871 24,415
Cwip - - - 20.00 - 14.00 18.00 16.00 25.00 45.00
Capital Employed 28,861 29,043 30,546 28,346 27,231 25,921 25,860 25,604 21,581 24,161
Cash Equivalents 15,449 17,710 12,654 14,320 11,344 12,410 12,629 11,787 11,267 9,709
Fixed Assets 522.00 538.00 486.00 471.00 553.00 564.00 563.00 547.00 558.00 561.00
Gross Block - - - 1,453 - 1,539 1,486 1,423 1,378 1,324
Invested Capital -81,053 -79,919 -80,047 -58,334 -63,198 -61,526 -58,652 -54,023 -42,508 -46,001
Investments 83,651 80,942 88,185 82,069 79,085 74,360 71,319 67,025 52,029 59,801
Loans N Advances 10,814 10,308 9,754 860.00 - 677.00 564.00 816.00 793.00 653.00
Net Debt -99,100 -98,652 -100,839 -96,389 -90,429 -86,770 -83,948 -78,812 -63,296 -69,510
Net Working Capital -81,575 -80,457 -80,533 -58,825 -63,751 -62,104 -59,233 -54,586 -43,091 -46,607
Non Controlling Interest 48.00 47.00 52.00 50.00 50.00 57.00 56.00 48.00 35.00 35.00
Other Asset Items 270.00 271.00 285.00 10,385 654.00 10,198 11,403 12,280 12,580 9,785
Other Liability Items 81,845 80,728 80,818 78,068 74,956 70,278 68,438 63,760 52,456 54,823
Reserves 27,989 28,171 29,669 27,472 26,356 25,040 24,981 24,732 20,721 23,303
Share Capital 824.00 824.00 824.00 824.00 824.00 824.00 824.00 824.00 824.00 824.00
Short Term Loans And Advances - - - 10,569 10,551 - - - - -
Total Assets 110,706 109,771 111,364 108,125 102,187 98,223 96,496 92,470 77,252 80,553
Total Equity 28,861 29,042 30,545 28,346 27,230 25,921 25,861 25,604 21,580 24,162
Total Equity And Liabilities 110,706 109,771 111,364 108,125 102,187 98,223 96,496 92,470 77,252 80,553
Total Liabilities 81,845 80,729 80,819 79,779 74,957 72,302 70,635 66,866 55,672 56,391
Trade Payables - - - 1,711 - 2,024 2,198 3,106 3,215 1,569

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -343.00 -326.00 -65.00 -6.00 77.00 -300.00 -476.00 1,125
Cash From Investing Activity 4,691 6,908 5,701 4,900 -334.00 2,825 2,337 -494.00
Cash From Operating Activity -3,390 -4,672 -5,855 -4,052 777.00 -967.00 -1,334 425.00
Cash Paid For Purchase Of Fixed Assets -116.00 -70.00 -98.00 -117.00 -99.00 -100.00 -122.00 -257.00
Cash Paid For Purchase Of Investments -27,434 -26,737 -14,250 -10,485 -12,505 -7,797 -5,118 -8,772
Cash Paid For Repayment Of Borrowings - - - - - - -1.00 -
Cash Receipts From Deposits - -274.00 - - - - - -
Cash Received From Issue Of Shares - - - - 67.00 - - 1,873
Cash Received From Sale Of Fixed Assets 10.00 18.00 25.00 21.00 50.00 34.00 20.00 41.00
Cash Received From Sale Of Investments 27,044 28,700 15,392 10,225 8,217 7,069 4,405 5,362
Change In Other Working Capital Items - - - - - - - -
Change In Payables - - - - - - - -
Change In Receivables - - - - - - - -
Change In Working Capital -6.00 - - - - - - -
Direct Taxes Paid -280.00 -348.00 -358.00 157.00 -431.00 -266.00 -456.00 -
Dividends Paid - - - -6.00 - -300.00 -497.00 -745.00
Dividends Received - - - - - - - 2,786
Interest Paid -343.00 -326.00 -65.00 - - - - -
Interest Received 5,188 - - - - - - -
Net Cash Flow 958.00 1,910 -219.00 842.00 520.00 1,558 527.00 1,056
Operating Deposits -6.00 - - - - - - -
Other Cash Financing Items Paid - - - - 10.00 - 22.00 -3.00
Other Cash Investing Items Paid - 4,996 4,631 5,256 4,003 3,619 3,152 347.00
Other Cash Operating Items Paid -3,103 -4,323 -5,498 -4,209 1,208 -701.00 -878.00 -
Profit From Operations - - - - - - - 425.00

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Niacl 2025-09-30 - 1.01 11.18 2.37 0.00
Niacl 2025-06-30 - 1.01 11.18 2.37 0.00
Niacl 2025-03-31 - 0.91 11.20 2.45 0.00
Niacl 2024-12-31 - 0.84 11.18 2.55 0.00
๐Ÿ’ฌ
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