| Management target | Revenue FY29 |
|---|
| Revenue growth | 31.7% reported overall; 47.1% reported retail growth. |
|---|---|
| Margins | CISR improved by 300 bps to 100.2%. |
| Demand visibility | Strong, specifically in Tier 2/3 towns and retail segments. |
| Management confidence | High; outpacing market growth in retail health. |
Growth
Overall growth at 31.7% (reported); retail health grew 47.1% (reported). Combined Insurance Service Ratio improved to 100.2%.
Outlook
Targeting 8-10% growth above industry average; ROE guidance of mid-to-high teens by FY29; board approved INR 500cr debt raise.
Risks
Challenging pricing environment in the group (B2B) segment resulting in flat growth; potential seasonal impact of infections.
Last quarter's promises, checked
Delivered
- Targeting 25% growth → delivered 31.7% (BEAT)
- ROE double-digit target → delivered 10.7% (BEAT)
- EOM ratio <36% → delivered 35.2% (BEAT)
Partly delivered
- Targeting CISR 99% by FY29 → delivered 100.2% (PARTIAL)
Earnings Call Transcript 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.
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- Key figure
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