| 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
- ₹77.19
- Market cap
- ₹14,277 Cr
- Revenue (annual)
- ₹6,695 Cr
- Net profit (annual)
- ₹130.8 Cr
- P/E (TTM)
- 39.7×Sector 22.0×
- Promoter holding
- 55.30%-0.06% QoQ
- FII holding
- 12.09%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
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Niva Bupa Health Insurance Company Other Announcement
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Niva Bupa Health Insurance Company Earnings Call Transcript: Key Takeaways
Niva Bupa reported strong Q1 FY27 results with 31.7% reported growth and PAT improving to INR 137.8 crores. Management focused on retail health expansion and transition to Ind AS accounting.
Niva Bupa Health Insurance Company Q1 FY27 Results: Net Profit ₹137.8 Cr, Up 93.0% YoY
Niva Bupa Health Insurance Company Ltd reported revenue from operations of ₹2,274 Cr (+28.6% YoY) and net profit of ₹137.8 Cr (+93.0% YoY) for Q1 FY27.
- Key figure
- Net profit ₹137.8 Cr · +93.0% YoY
Niva Bupa Health Insurance Company Earnings Call: Key Takeaways
Niva Bupa reported strong Q4 FY26 results with PAT growing 90% YoY to ₹366cr for the full year. Strategy focuses on multichannel distribution and digital growth.