ALFA Finder| 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
- ₹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