ALFA Finder| Revenue growth | 31.7% YoY GWP growth |
|---|---|
| Margins | CISR improved 296 bps YoY to 100.2%. |
| Demand visibility | Strong, driven by 22.4% health segment industry growth. |
| Management confidence | High, citing strong profitability expansion and market share gains. |
Growth
GWP (with 1/n) rose 31.7% YoY to ₹2,150 Cr. PAT surged 92.9% YoY to ₹137.8 Cr.
Outlook
Focus on AI-driven underwriting, expanding preferred hospital networks, and scaling digital distribution to improve CISR.
Risks
Medical cost inflation and changing disease mix impacting the Retail Health Claims Cost Index (7.5% CAGR).
Last quarter's promises, checked
Delivered
- Retail health growth target > industry → delivered 47.1% vs 22.4% industry (= BEAT)
- Implement Ind AS reporting for transparency → delivered Q1'FY27 Ind AS transition (= BEAT)
- Expand distribution network → added 13k agents in Q1'FY27 (= BEAT)
Partly delivered
- Guided CISR toward 99% by FY29 → delivered 100.2% in Q1'FY27 (= PARTIAL)
Investor Presentation filed with NSE, NSE: NIVABUPA. Summary written with AI assistance from the document.
Niva Bupa Health Insurance Company Ltd: key numbers
- Share price
- ₹78.55
- Market cap
- ₹14,537 Cr
- Revenue (annual)
- ₹6,695 Cr
- Net profit (annual)
- ₹130.8 Cr
- P/E (TTM)
- 27.4×Sector 20.8×
- Promoter holding
- 55.29%-0.01% QoQ
- FII holding
- 12.95%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Niva Bupa Health Insurance Company Ltd
All →Niva Bupa Health Insurance Company Earnings Call Transcript: Key Takeaways
H1 FY27 PAT doubled to ₹273 Cr; GWP up 26% ex-1/n. Loss ratio gains credited to mix; management declined to quantify drivers. Solvency drifting down to 2.03x is the watch item.
Niva Bupa Health Insurance Company Results Update
Niva Bupa reported Q2 FY27 PAT of ₹136 crore, up 124%, and GWP of ₹2,484 crore, up 35%. The release highlights strong Retail Health growth and an improved solvency ratio.
Niva Bupa Health Insurance Company Board Meeting Outcome
Niva Bupa Health Insurance Company's Board approved amendments and the consolidation of its PIT policies. The updated policy integrates UPSI fair disclosure and leak inquiry procedures into a single framework.
Niva Bupa Health Insurance Company Investor Presentation: Key Takeaways
H1 FY27 GWP ₹4,634 Cr (+33.4% y-o-y, 1/n basis); PAT ₹273.4 Cr, more than doubled; CISR improved to 99.5% from 103.1%; retail health share 11.0%.
Niva Bupa Health Insurance Company Other Announcement
Niva Bupa Health Insurance's Board approved the amendment and consolidation of its UPSI Fair Disclosure and Leak Inquiry policies. The integrated policy streamlines operational compliance under SEBI PIT Regulations.
Niva Bupa Health Insurance Company Q2 FY27 Results: Net Profit ₹135.6 Cr, Up 124.1% YoY
Niva Bupa Health Insurance Company Ltd reported revenue from operations of ₹2,572 Cr (+25.5% YoY) and net profit of ₹135.6 Cr (+124.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹135.6 Cr · +124.1% YoY