Niva Bupa Health Insurance Company Ltd
NIVABUPA
Insurance
₹ 74.86
Price
₹ 13,815
Market Cap
Mid Cap
98.05
P/E Ratio
📊 Score Snapshot
-19.72 / 25
Performance
18.08 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
5.36 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
| Adj Cash EBITDA | 199.00 | 112.00 | 44.00 | -170.00 | -22.00 | - |
| Adj Cash EBITDA Margin | 3.70 | 2.67 | 1.39 | -8.04 | -1.56 | - |
| Adj Cash EBITDA To EBITDA | 0.93 | 1.00 | 1.00 | 1.00 | 1.00 | - |
| Adj Cash EPS | 1.09 | - | - | - | - | - |
| Adj Cash PAT | 200.00 | 82.00 | 13.00 | -197.00 | -50.00 | - |
| Adj Cash PAT To PAT | 0.93 | 1.00 | 1.00 | 1.00 | 1.00 | - |
| Adj Cash PE | 69.43 | - | - | - | - | - |
| Adj EPS | 1.17 | - | - | - | - | - |
| Adj EV To Cash EBITDA | 28.85 | - | - | - | - | - |
| Adj EV To EBITDA | 26.96 | - | - | - | - | - |
| Adj Number Of Shares | 182.91 | - | - | - | - | - |
| Adj PE | 64.89 | - | - | - | - | - |
| Bvps | 20.64 | - | - | - | - | - |
| Cash ROCE | 5.03 | 4.68 | 0.65 | -29.88 | -10.83 | - |
| Cash Roic | -0.10 | 8.90 | 20.33 | 21.06 | 5.44 | - |
| Cash Revenue | 5,374 | 4,196 | 3,165 | 2,114 | 1,413 | - |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | - |
| EV | 5,742 | - | - | - | - | - |
| EV To EBITDA | 26.96 | - | - | - | - | - |
| EV To Fcff | 1,435 | - | - | - | - | - |
| Fcfe | 160.00 | 78.00 | 7.00 | 51.00 | -56.00 | - |
| Fcfe Margin | 2.98 | 1.86 | 0.22 | 2.41 | -3.96 | - |
| Fcfe To Adj PAT | 0.75 | 0.95 | 0.54 | -0.26 | 1.12 | - |
| Fcff | 4.00 | -250.00 | -407.00 | -289.00 | -50.00 | - |
| Fcff Margin | 0.07 | -5.96 | -12.86 | -13.67 | -3.54 | - |
| Fcff To NOPAT | 0.07 | 1.02 | 1.01 | 1.01 | 1.14 | - |
| Market Cap | 13,887 | - | - | - | - | - |
| PB | 3.68 | - | - | - | - | - |
| PE | 64.89 | - | - | - | - | - |
| PS | 2.58 | - | - | - | - | - |
| ROCE | 6.73 | 4.91 | 1.31 | -29.58 | -9.53 | -19.05 |
| ROE | 7.35 | 5.70 | 1.95 | -36.38 | -10.83 | -20.39 |
| Roic | -1.39 | 8.76 | 20.03 | 20.91 | 4.79 | 8.65 |
| Share Price | 75.92 | - | - | - | - | - |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,574 | 1,371 | 1,671 | 1,258 | 1,321 | 1,124 | 1,316 | 1,026 | 969.00 |
| Expenses - | 1,627 | 1,464 | 1,420 | 1,282 | 1,387 | 1,228 | 1,215 | 1,071 | 1,027 |
| Other Income - | 17.94 | 1.57 | -44.58 | 36.90 | 78.59 | 84.50 | 56.61 | 50.17 | 49.96 |
| Profit Before Tax | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| Net Profit - | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| Profit Excl Exceptional | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| Profit For PE | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| Profit For EPS | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| EPS In Rs | -0.19 | -0.50 | 1.13 | 0.07 | - | - | - | - | - |
| PAT Margin % | -2.22 | -6.64 | 12.33 | 1.03 | 0.98 | -1.69 | 11.93 | 0.49 | -0.83 |
| PBT Margin | -2.22 | -6.64 | 12.33 | 1.03 | 0.98 | -1.69 | 11.93 | 0.49 | -0.83 |
| Yoy Profit Growth % | -371.00 | -386.00 | 31.00 | 189.00 | 272.00 | - | - | - | - |
| Adj Ebit | -35.06 | -91.43 | 206.42 | 12.90 | 12.59 | -19.50 | 157.61 | 5.17 | -8.04 |
| Adj EBITDA | -35.06 | -91.43 | 206.42 | 12.90 | 12.59 | -19.50 | 157.61 | 5.17 | -8.04 |
| Adj EBITDA Margin | -2.23 | -6.67 | 12.35 | 1.03 | 0.95 | -1.73 | 11.98 | 0.50 | -0.83 |
| Adj Ebit Margin | -2.23 | -6.67 | 12.35 | 1.03 | 0.95 | -1.73 | 11.98 | 0.50 | -0.83 |
| Adj PAT | -35.00 | -91.00 | 206.00 | 13.00 | 13.00 | -19.00 | 157.00 | 5.00 | -8.00 |
| Adj PAT Margin | -2.22 | -6.64 | 12.33 | 1.03 | 0.98 | -1.69 | 11.93 | 0.49 | -0.83 |
| Ebit | -35.06 | -91.43 | 206.42 | 12.90 | 12.59 | -19.50 | 157.61 | 5.17 | -8.04 |
| EBITDA | -35.06 | -91.43 | 206.42 | 12.90 | 12.59 | -19.50 | 157.61 | 5.17 | -8.04 |
| EBITDA Margin | -2.23 | -6.67 | 12.35 | 1.03 | 0.95 | -1.73 | 11.98 | 0.50 | -0.83 |
| Ebit Margin | -2.23 | -6.67 | 12.35 | 1.03 | 0.95 | -1.73 | 11.98 | 0.50 | -0.83 |
| NOPAT | -53.00 | -93.00 | 251.00 | -24.00 | -66.00 | -104.00 | 101.00 | -45.00 | -58.00 |
| NOPAT Margin | -3.37 | -6.78 | 15.02 | -1.91 | -5.00 | -9.25 | 7.67 | -4.39 | -5.99 |
| Operating Profit | -53.00 | -93.00 | 251.00 | -24.00 | -66.00 | -104.00 | 101.00 | -45.00 | -58.00 |
| Operating Profit Margin | -3.37 | -6.78 | 15.02 | -1.91 | -5.00 | -9.25 | 7.67 | -4.39 | -5.99 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Sales | 5,374 | 4,196 | 3,165 | 2,114 | 1,413 | 1,057 | 851.00 |
| Interest | - | - | - | - | 6.00 | 4.00 | 3.00 |
| Expenses - | 5,316 | 4,413 | 3,534 | 2,374 | 1,435 | 1,094 | 880.00 |
| Other Income - | 155.00 | 329.00 | 413.00 | 90.00 | - | - | - |
| Depreciation | - | 29.00 | 32.00 | 27.00 | 22.00 | 21.00 | 16.00 |
| Profit Before Tax | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| Net Profit - | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| Profit Excl Exceptional | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| Profit For PE | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| Profit For EPS | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| EPS In Rs | 1.17 | - | - | - | - | - | - |
| PAT Margin % | 3.98 | 1.95 | 0.41 | -9.32 | -3.54 | -5.87 | -5.64 |
| PBT Margin | 3.98 | 1.95 | 0.41 | -9.32 | -3.54 | -5.87 | -5.64 |
| Adj Ebit | 213.00 | 83.00 | 12.00 | -197.00 | -44.00 | -58.00 | -45.00 |
| Adj EBITDA | 213.00 | 112.00 | 44.00 | -170.00 | -22.00 | -37.00 | -29.00 |
| Adj EBITDA Margin | 3.96 | 2.67 | 1.39 | -8.04 | -1.56 | -3.50 | -3.41 |
| Adj Ebit Margin | 3.96 | 1.98 | 0.38 | -9.32 | -3.11 | -5.49 | -5.29 |
| Adj PAT | 214.00 | 82.00 | 13.00 | -197.00 | -50.00 | -62.00 | -48.00 |
| Adj PAT Margin | 3.98 | 1.95 | 0.41 | -9.32 | -3.54 | -5.87 | -5.64 |
| Ebit | 213.00 | 83.00 | 12.00 | -197.00 | -44.00 | -58.00 | -45.00 |
| EBITDA | 213.00 | 112.00 | 44.00 | -170.00 | -22.00 | -37.00 | -29.00 |
| EBITDA Margin | 3.96 | 2.67 | 1.39 | -8.04 | -1.56 | -3.50 | -3.41 |
| Ebit Margin | 3.96 | 1.98 | 0.38 | -9.32 | -3.11 | -5.49 | -5.29 |
| NOPAT | 58.00 | -246.00 | -401.00 | -287.00 | -44.00 | -58.00 | -45.00 |
| NOPAT Margin | 1.08 | -5.86 | -12.67 | -13.58 | -3.11 | -5.49 | -5.29 |
| Operating Profit | 58.00 | -246.00 | -401.00 | -287.00 | -44.00 | -58.00 | -45.00 |
| Operating Profit Margin | 1.08 | -5.86 | -12.67 | -13.58 | -3.11 | -5.49 | -5.29 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | - | 199.51 | 172.46 | 142.16 | 117.12 | 108.59 | 90.69 |
| Average Capital Employed | 3,183 | 3,163 | - | 1,689 | 916.50 | 666.00 | 461.50 | 304.50 | - |
| Average Invested Capital | -4,564 | -4,179 | - | -2,808 | -2,002 | -1,372 | -919.50 | -670.50 | - |
| Average Total Assets | 8,900 | 8,336 | - | 5,034 | 3,308 | 2,318 | 1,568 | 1,118 | - |
| Average Total Equity | 2,934 | 2,914 | - | 1,440 | 667.00 | 541.50 | 461.50 | 304.00 | - |
| Cwip | - | - | - | 1.00 | 4.00 | 1.00 | 2.00 | 2.00 | 2.00 |
| Capital Employed | 4,055 | 4,026 | 2,311 | 2,300 | 1,078 | 755.00 | 577.00 | 346.00 | 263.00 |
| Cash Equivalents | 88.00 | 220.00 | 113.00 | 143.00 | 102.00 | 59.00 | 30.00 | 19.00 | 30.00 |
| Fixed Assets | 81.00 | 75.00 | - | 58.00 | 52.00 | 49.00 | 46.00 | 39.00 | 30.00 |
| Gross Block | - | - | - | 257.82 | 224.32 | 191.32 | 163.01 | 147.30 | 120.85 |
| Invested Capital | -5,360 | -5,089 | -3,767 | -3,269 | -2,347 | -1,657 | -1,088 | -751.00 | -590.00 |
| Investments | 8,482 | 8,175 | 5,965 | 5,458 | 3,366 | 2,401 | 1,622 | 1,067 | 816.00 |
| Loans N Advances | 845.00 | 718.00 | - | -32.00 | -43.00 | -48.00 | 13.00 | 11.00 | 7.00 |
| Long Term Borrowings | 250.00 | 250.00 | 250.00 | - | - | - | - | - | - |
| Net Debt | -8,320 | -8,145 | -5,828 | -5,351 | -3,218 | -2,210 | -1,652 | -1,086 | -846.00 |
| Net Working Capital | -5,441 | -5,164 | -3,767 | -3,328 | -2,403 | -1,707 | -1,136 | -792.00 | -622.00 |
| Other Asset Items | 1,154 | 1,289 | 1,073 | 564.00 | 396.00 | 276.00 | 186.00 | 99.00 | 115.00 |
| Other Borrowings | - | - | - | 250.00 | 250.00 | 250.00 | - | - | - |
| Other Liability Items | 6,595 | 6,453 | 4,840 | 3,372 | 2,470 | 1,740 | 1,155 | 769.00 | 609.00 |
| Reserves | 1,959 | 1,949 | 344.00 | 351.00 | -683.00 | -903.00 | -773.00 | -780.00 | -719.00 |
| Share Capital | 1,846 | 1,827 | 1,718 | 1,700 | 1,511 | 1,409 | 1,350 | 1,126 | 981.00 |
| Total Assets | 10,650 | 10,479 | 7,151 | 6,192 | 3,877 | 2,738 | 1,899 | 1,237 | 1,000 |
| Total Borrowings | 250.00 | 250.00 | 250.00 | 250.00 | 250.00 | 250.00 | - | - | - |
| Total Equity | 3,805 | 3,776 | 2,062 | 2,051 | 828.00 | 506.00 | 577.00 | 346.00 | 262.00 |
| Total Equity And Liabilities | 10,650 | 10,479 | 7,151 | 6,192 | 3,877 | 2,738 | 1,899 | 1,237 | 1,000 |
| Total Liabilities | 6,845 | 6,703 | 5,089 | 4,141 | 3,049 | 2,232 | 1,322 | 891.00 | 738.00 |
| Trade Payables | - | - | - | 520.00 | 329.00 | 243.00 | 167.00 | 122.00 | 128.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
| Cash From Financing Activity | 771.00 | 1,110 | 280.00 | 374.00 | 280.00 |
| Cash From Investing Activity | -2,348 | -1,882 | -829.00 | -723.00 | -374.00 |
| Cash From Operating Activity | 1,654 | 813.00 | 593.00 | 338.00 | 257.00 |
| Cash Paid For Purchase Of Fixed Assets | -41.00 | -33.00 | -38.00 | -29.00 | -28.00 |
| Cash Paid For Purchase Of Investments | -5,993 | -4,770 | -2,768 | -2,522 | -1,906 |
| Cash Received From Borrowings | - | - | - | 250.00 | - |
| Cash Received From Issue Of Shares | 798.00 | 1,137 | 311.00 | 127.00 | 280.00 |
| Cash Received From Sale Of Fixed Assets | 1.00 | - | - | - | - |
| Cash Received From Sale Of Investments | 3,309 | 2,697 | 1,813 | 1,727 | 1,486 |
| Change In Working Capital | -14.00 | - | - | - | - |
| Interest Paid | -27.00 | -27.00 | -27.00 | - | - |
| Interest Received | 377.00 | 224.00 | 164.00 | 101.00 | - |
| Net Cash Flow | 78.00 | 41.00 | 43.00 | -12.00 | 164.00 |
| Operating Deposits | -14.00 | - | - | - | - |
| Other Cash Financing Items Paid | - | - | -4.00 | -3.00 | - |
| Other Cash Investing Items Paid | - | - | - | - | 74.00 |
| Other Cash Operating Items Paid | 1,668 | 813.00 | 593.00 | 338.00 | - |
| Profit From Operations | - | - | - | - | 257.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Nivabupa | 2025-09-30 | - | 10.72 | 15.31 | 18.57 | 0.00 |
| Nivabupa | 2025-06-30 | - | 10.76 | 15.06 | 18.74 | 0.00 |
| Nivabupa | 2025-03-31 | - | 8.90 | 9.71 | 25.42 | 0.00 |
| Nivabupa | 2024-12-31 | - | 8.85 | 9.82 | 25.36 | 0.00 |
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