Niva Bupa Health Insurance Company Ltd.

NSE: NIVABUPA

BSE: 544286

Sector: Financial Services

Industry Group: Insurance

Industry: General Insurance

86.62+0.3 (+0.39%)

3 Jul, 3:30 PM

Income Statement

Abridged

Understanding Income Statement

Niva Bupa Health Insurance Company Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Premiums Earned	841	1,151	1,753	2,663	3,811	4,894	6,068
Net Investment Income	212	260	391	550	514	463	405
Total Revenue	1,058	1,415	2,150	3,218	4,332	5,371	6,695
Insurance Claims/Reserves - Total	450	646	1,089	1,439	2,250	2,997	4,133
Underwriting Expenses	43	63	120	191	748	1,065	1,227
Total Operating Expenses	1,115	1,457	2,336	3,187	4,224	4,953	6,537
Operating Profit	-57	-42	-186	30	108	418	158
Operating Margin	-5.4	-3.0	-8.6	0.9	2.5	7.8	2.4
Profit before Taxes	-62	-50	-197	13	82	214	127
Income Taxes	-	-	-	-	-	-	-4
Profit after Tax	-62	-50	-197	13	82	214	131
PAT Margin	-5.8	-3.5	-9.1	0.4	1.9	4.0	2.0
EPS - Basic - ex Extraordinary Items	-0.34	-0.27	-1.08	0.07	0.45	1.22	0.71
EPS - Diluted - ex Extraordinary Items	-0.34	-0.27	-1.08	0.07	0.45	1.22	0.71
EBIT	-57	-42	-186	30	108	418	158
EBITDA	-36	-20	-159	62	137	443	158
EBITDA Margin	-3.4	-1.4	-7.4	1.9	3.2	8.2	2.4

Balance Sheet

Abridged

Understanding Balance Sheet

Niva Bupa Health Insurance Company Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	PRESS
Total Receivables	12	25	31	50	41	4	-
Property Plant & Equipment - Net	15	19	25	29	24	75	88
Total Assets	2,017	2,729	3,765	4,890	7,124	10,479	11,864
Insurance Reserves - Total	204	381	498	665	868	2,567	-
Long Term Debt	31	92	339	338	340	359	250
Total Liabilities	891	1,322	2,233	3,048	4,141	6,702	8,074
Total Shareholders' Equity	1,126	1,407	1,532	1,842	2,983	3,776	3,790
Total Equity	1,126	1,407	1,532	1,842	2,983	3,776	3,790
Total Liabilities & Equity	2,017	2,729	3,765	4,890	7,124	10,479	11,864

Cash Flow

Abridged

Understanding Cash Flow Statement

Niva Bupa Health Insurance Company Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Cash Receipts - Business Activities	1,497	2,120	3,406	4,980	6,756	9,071	10,634
Cash Payments - Business Activities	1,282	1,671	2,800	3,839	5,452	6,731	8,834
Net CF from Operating Activities	159	331	439	729	1,010	2,005	1,435
Capital Expenditures - Net	30	28	29	38	33	41	48
Net CF from Investing Activities	-354	-448	-862	-993	-2,106	-2,725	-1,518
Stock - Issuance/(Retirement) - Net	145	280	127	311	1,137	798	22
Debt - LT & ST - Issuance/(Retirement) - Total	-	-	250	-	-	-	-
Net Cash Flow from Financing Activities	145	280	374	307	1,137	798	22
Free Cash Flow to Equity	129	303	660	691	977	1,964	1,387
Free Operating CF net dividend	129	303	410	691	977	1,963	1,387
Free Operating CF	129	303	410	691	977	1,963	1,387

Business Segment Analysis

FY End:

Mar 25

Niva Bupa Health Insurance Company Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Net premium earned

Health (98.0%)₹ 4,795.42 CrPersonal Accident (1.8%)₹ 90.01 CrTravel (0.2%)₹ 9.03 Cr

Regional Segment Analysis

Niva Bupa Health Insurance Company Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Niva Bupa Health Insurance Company Ltd.

Historical Segment Analysis

Track how Niva Bupa Health Insurance Company Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Assets

Net premium earned

Business

Regional

Business

We don't have enough data to show the Capex for Niva Bupa Health Insurance Company Ltd..

Frequently Asked Questions

What is the revenue of Niva Bupa Health Insurance Company Ltd.?

The latest trailing twelve month revenue of Niva Bupa Health Insurance Company Ltd. is ₹ 6,694.69 Cr, reflecting a 1-year growth of 24.64% and a 3-year CAGR of 27.66%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Niva Bupa Health Insurance Company Ltd.?

The latest trailing twelve month net profit (PAT) of Niva Bupa Health Insurance Company Ltd. is ₹ 130.78 Cr, with a 3-year earnings CAGR of 117.93%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Niva Bupa Health Insurance Company Ltd.?

The trailing twelve month EBITDA of Niva Bupa Health Insurance Company Ltd. is approximately ₹ 157.58 Cr (based on an operating margin of 2.35%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Niva Bupa Health Insurance Company Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Niva Bupa Health Insurance Company Ltd. is 0.71. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Niva Bupa Health Insurance Company Ltd.?

The debt-to-equity ratio of Niva Bupa Health Insurance Company Ltd. stands at 0.07. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Niva Bupa Health Insurance Company Ltd.?

The estimated book value per share of Niva Bupa Health Insurance Company Ltd. is 20.57 (derived from a P/B ratio of 4.21 and market price of ₹ 86.62), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Niva Bupa Health Insurance Company Ltd.?

The trailing twelve month operating cash flow of Niva Bupa Health Insurance Company Ltd. is ₹ 1,435.19 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Niva Bupa Health Insurance Company Ltd. report consolidated or standalone financials?

Niva Bupa Health Insurance Company Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.