Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:32 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
New India Assurance Company Ltd (NIACL) operates in the non-life insurance sector, with a recent share price of ₹157 and a market capitalization of ₹25,829 Cr. The company reported sales of ₹41,007 Cr for the fiscal year ending March 2023, showing a significant increase from ₹35,821 Cr in the previous year. Sales continued to grow, reaching ₹43,285 Cr for FY 2024, with a trailing twelve-month (TTM) revenue of ₹47,536 Cr. Quarterly sales figures indicate a somewhat volatile pattern, with the highest sales of ₹11,686 Cr recorded in March 2024, while June 2023 saw a dip to ₹9,900 Cr. Such fluctuations reflect the dynamic nature of the insurance market, influenced by seasonal factors and claims experience. The company’s operational efficiency, indicated by its operating profit margin (OPM), remained low at 2% for FY 2025, showcasing the competitive pressures within the industry.
Profitability and Efficiency Metrics
NIACL’s profitability metrics indicate a company grappling with margin pressures. The net profit for FY 2023 stood at ₹1,050 Cr, a modest increase from ₹198 Cr in FY 2022. The net profit margin for FY 2025 was reported at 2.23%, which aligns with industry averages but highlights the need for improved operational efficiency. The return on equity (ROE) was recorded at 3.64%, while return on capital employed (ROCE) stood at 3.59%, both of which are lower compared to typical sector benchmarks. The interest coverage ratio (ICR) of 20.65x suggests that the company comfortably meets its interest obligations, reflecting strong financial health in terms of debt management. However, the overall low profitability ratios indicate that NIACL must enhance its operational efficiencies and pricing strategies to improve margins in a competitive landscape.
Balance Sheet Strength and Financial Ratios
NIACL maintains a robust balance sheet with total assets of ₹109,771 Cr as of March 2025, and importantly, it reported no borrowings, indicating a debt-free status that is a strong positive for financial stability. The company’s reserves reached ₹27,989 Cr, providing a cushion for underwriting risks and future growth initiatives. The price-to-book value (P/BV) ratio stood at 0.87x, suggesting that the market values the company below its book value, which could indicate an undervaluation in the context of its asset base. Financial ratios such as the current ratio of 0.42x and quick ratio of 0.42x suggest liquidity concerns, as these ratios fall below the typical benchmark of 1.0x. This aspect may raise flags for investors regarding short-term financial health, necessitating closer scrutiny of cash flow management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of NIACL reflects strong promoter confidence, with promoters holding 85.44% of the total shares, ensuring a stable governance structure. Foreign institutional investors (FIIs) have gradually increased their stake from 0.62% in December 2022 to 1.01% by March 2025, indicating a growing interest from global investors. Domestic institutional investors (DIIs) maintained a consistent stake around 11%, while public shareholding remained low at 2.37%. The number of shareholders increased to 161,809 as of September 2025, suggesting a growing retail investor base. This stable ownership structure, coupled with increasing institutional interest, could bolster investor confidence, although the low public participation might limit liquidity in the market.
Outlook, Risks, and Final Insight
Looking ahead, NIACL’s growth prospects are contingent on its ability to navigate competitive pressures while enhancing profitability. The insurance sector in India is poised for growth, driven by increasing awareness and demand for non-life insurance products. However, risks such as regulatory changes, claim ratios, and market competition could pose challenges. The company’s low operating margins and liquidity ratios highlight the necessity for strategic initiatives to improve operational efficiency and risk management. Should NIACL successfully implement measures to enhance its underwriting profitability and manage expenses, it could capitalize on the growing market. Conversely, failure to adapt to market dynamics may hinder its financial performance and investor sentiment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| New India Assurance Company Ltd (NIACL) | 25,478 Cr. | 155 | 215/135 | 21.4 | 0.00 | 1.16 % | 3.59 % | 3.64 % | 5.00 |
| ICICI Lombard General Insurance Company Ltd | 95,631 Cr. | 1,920 | 2,075/1,613 | 35.0 | 331 | 0.65 % | 24.9 % | 18.8 % | 10.0 |
| Industry Average | 60,554.50 Cr | 1,037.50 | 28.20 | 165.50 | 0.91% | 14.25% | 11.22% | 7.50 |
All Competitor Stocks of New India Assurance Company Ltd (NIACL)
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10,558 | 10,182 | 9,900 | 10,567 | 11,366 | 11,686 | 10,418 | 10,786 | 10,703 | 11,664 | 11,719 | 13,450 | 12,069 |
| Expenses | 9,668 | 10,073 | 9,557 | 10,813 | 10,500 | 11,252 | 10,148 | 10,646 | 10,605 | 11,239 | 11,530 | 13,524 | 11,863 |
| Operating Profit | 891 | 109 | 343 | -246 | 866 | 434 | 270 | 140 | 98 | 426 | 189 | -74 | 206 |
| OPM % | 8% | 1% | 3% | -2% | 8% | 4% | 3% | 1% | 1% | 4% | 2% | -1% | 2% |
| Other Income | 17 | 41 | -25 | 4 | 0 | 36 | 2 | 1 | 9 | 77 | 202 | 98 | 166 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 908 | 150 | 318 | -242 | 866 | 470 | 272 | 141 | 107 | 502 | 391 | 23 | 372 |
| Tax % | 18% | 4% | 16% | -19% | 18% | 34% | 14% | 48% | -221% | 36% | -0% | 14% | -1% |
| Net Profit | 736 | 124 | 261 | -175 | 722 | 313 | 243 | 91 | 349 | 356 | 402 | 55 | 380 |
| EPS in Rs | 4.47 | 0.77 | 1.58 | -1.07 | 4.38 | 1.89 | 1.45 | 0.54 | 2.12 | 2.18 | 2.43 | 0.33 | 2.31 |
Last Updated: February 3, 2026, 9:46 pm
Below is a detailed analysis of the quarterly data for New India Assurance Company Ltd (NIACL) based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Sales, as of Dec 2025, the value is 12,069.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13,450.00 Cr. (Sep 2025) to 12,069.00 Cr., marking a decrease of 1,381.00 Cr..
- For Expenses, as of Dec 2025, the value is 11,863.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 13,524.00 Cr. (Sep 2025) to 11,863.00 Cr., marking a decrease of 1,661.00 Cr..
- For Operating Profit, as of Dec 2025, the value is 206.00 Cr.. The value appears strong and on an upward trend. It has increased from -74.00 Cr. (Sep 2025) to 206.00 Cr., marking an increase of 280.00 Cr..
- For OPM %, as of Dec 2025, the value is 2.00%. The value appears strong and on an upward trend. It has increased from -1.00% (Sep 2025) to 2.00%, marking an increase of 3.00%.
- For Other Income, as of Dec 2025, the value is 166.00 Cr.. The value appears strong and on an upward trend. It has increased from 98.00 Cr. (Sep 2025) to 166.00 Cr., marking an increase of 68.00 Cr..
- For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 372.00 Cr.. The value appears strong and on an upward trend. It has increased from 23.00 Cr. (Sep 2025) to 372.00 Cr., marking an increase of 349.00 Cr..
- For Tax %, as of Dec 2025, the value is -1.00%. The value appears to be improving (decreasing) as expected. It has decreased from 14.00% (Sep 2025) to -1.00%, marking a decrease of 15.00%.
- For Net Profit, as of Dec 2025, the value is 380.00 Cr.. The value appears strong and on an upward trend. It has increased from 55.00 Cr. (Sep 2025) to 380.00 Cr., marking an increase of 325.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 2.31. The value appears strong and on an upward trend. It has increased from 0.33 (Sep 2025) to 2.31, marking an increase of 1.98.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:31 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10,994 | 13,354 | 15,215 | 20,234 | 19,798 | 27,660 | 28,343 | 33,066 | 35,821 | 41,007 | 43,285 | 43,354 | 47,536 |
| Expenses | 14,403 | 17,107 | 18,195 | 20,692 | 24,590 | 27,944 | 29,406 | 30,931 | 35,644 | 39,728 | 42,017 | 42,552 | 46,691 |
| Operating Profit | -3,409 | -3,753 | -2,980 | -458 | -4,793 | -284 | -1,063 | 2,136 | 177 | 1,279 | 1,268 | 802 | 844 |
| OPM % | -31% | -28% | -20% | -2% | -24% | -1% | -4% | 6% | 0% | 3% | 3% | 2% | 2% |
| Other Income | 4,392 | 5,487 | 4,063 | 1,704 | 7,601 | 1,050 | 2,816 | 27 | 87 | 60 | 203 | 272 | 180 |
| Interest | 2 | 3 | 4 | 6 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 38 | 28 | 34 | 47 | 74 | 90 | 93 | 103 | 87 | 82 | 59 | 51 | 0 |
| Profit before tax | 943 | 1,703 | 1,045 | 1,194 | 2,722 | 677 | 1,659 | 2,060 | 178 | 1,256 | 1,412 | 1,022 | 1,024 |
| Tax % | 15% | 19% | 11% | 14% | 20% | 11% | 13% | 21% | -0% | 16% | 23% | 5% | |
| Net Profit | 830 | 1,412 | 959 | 1,050 | 2,190 | 610 | 1,447 | 1,645 | 198 | 1,050 | 1,120 | 1,038 | 1,162 |
| EPS in Rs | 20.75 | 35.40 | 24.03 | 26.15 | 13.29 | 3.67 | 8.75 | 9.95 | 1.18 | 6.36 | 6.77 | 6.29 | 7.06 |
| Dividend Payout % | 27% | 21% | 26% | 30% | 33% | 41% | 0% | 0% | 25% | 5% | 30% | 29% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 70.12% | -32.08% | 9.49% | 108.57% | -72.15% | 137.21% | 13.68% | -87.96% | 430.30% | 6.67% | -7.32% |
| Change in YoY Net Profit Growth (%) | 0.00% | -102.20% | 41.57% | 99.08% | -180.72% | 209.36% | -123.53% | -101.65% | 518.27% | -423.64% | -13.99% |
New India Assurance Company Ltd (NIACL) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 9% |
| 3 Years: | 7% |
| TTM: | 2% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | -6% |
| 3 Years: | 73% |
| TTM: | 9% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 12% |
| 3 Years: | 28% |
| 1 Year: | -24% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 2% |
| 3 Years: | 1% |
| Last Year: | 4% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: December 4, 2025, 2:06 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 200 | 200 | 200 | 200 | 412 | 824 | 824 | 824 | 824 | 824 | 824 | 824 | 824 |
| Reserves | 17,387 | 20,035 | 19,426 | 20,484 | 24,228 | 23,303 | 20,721 | 24,732 | 24,981 | 25,040 | 27,472 | 28,171 | 27,989 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 36,791 | 42,726 | 44,780 | 49,473 | 51,094 | 56,426 | 55,707 | 66,914 | 70,691 | 72,359 | 79,150 | 80,776 | 81,893 |
| Total Liabilities | 54,379 | 62,961 | 64,407 | 70,157 | 75,734 | 80,553 | 77,252 | 92,470 | 96,496 | 98,223 | 107,446 | 109,771 | 110,706 |
| Fixed Assets | 223 | 302 | 350 | 399 | 560 | 561 | 558 | 547 | 563 | 564 | 471 | 533 | 522 |
| CWIP | 20 | 0 | 15 | 57 | 33 | 45 | 25 | 16 | 18 | 14 | 20 | 6 | 0 |
| Investments | 35,711 | 45,365 | 44,972 | 51,907 | 56,024 | 59,801 | 52,029 | 67,025 | 71,319 | 74,360 | 82,069 | 80,942 | 83,651 |
| Other Assets | 18,424 | 17,293 | 19,069 | 17,795 | 19,117 | 20,147 | 24,640 | 24,883 | 24,597 | 23,285 | 24,886 | 28,290 | 26,533 |
| Total Assets | 54,379 | 62,961 | 64,407 | 70,157 | 75,734 | 80,553 | 77,252 | 92,470 | 96,496 | 98,223 | 107,446 | 109,771 | 110,706 |
Below is a detailed analysis of the balance sheet data for New India Assurance Company Ltd (NIACL) based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 824.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 824.00 Cr..
- For Reserves, as of Sep 2025, the value is 27,989.00 Cr.. The value appears to be declining and may need further review. It has decreased from 28,171.00 Cr. (Mar 2025) to 27,989.00 Cr., marking a decrease of 182.00 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 81,893.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 80,776.00 Cr. (Mar 2025) to 81,893.00 Cr., marking an increase of 1,117.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 110,706.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 109,771.00 Cr. (Mar 2025) to 110,706.00 Cr., marking an increase of 935.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 522.00 Cr.. The value appears to be declining and may need further review. It has decreased from 533.00 Cr. (Mar 2025) to 522.00 Cr., marking a decrease of 11.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 6.00 Cr..
- For Investments, as of Sep 2025, the value is 83,651.00 Cr.. The value appears strong and on an upward trend. It has increased from 80,942.00 Cr. (Mar 2025) to 83,651.00 Cr., marking an increase of 2,709.00 Cr..
- For Other Assets, as of Sep 2025, the value is 26,533.00 Cr.. The value appears to be declining and may need further review. It has decreased from 28,290.00 Cr. (Mar 2025) to 26,533.00 Cr., marking a decrease of 1,757.00 Cr..
- For Total Assets, as of Sep 2025, the value is 110,706.00 Cr.. The value appears strong and on an upward trend. It has increased from 109,771.00 Cr. (Mar 2025) to 110,706.00 Cr., marking an increase of 935.00 Cr..
Notably, the Reserves (27,989.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -3.00 | -3.00 | -2.00 | -458.00 | -4.00 | -284.00 | -1.00 | 2.00 | 177.00 | 1.00 | 1.00 | 802.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -568 | -549 | -533 | -447 | -506 | -421 | -486 | -471 | -469 | -436 | -439 | -468 |
| ROCE % | -1% | 1% | -2% | 3% | 2% | -1% | 7% | 9% | 1% | -2% | 5% | 4% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund | 7,903 | 0.05 | 0.12 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Basic EPS (Rs.) | 6.29 | 6.77 | 6.36 | 1.18 | 9.95 |
| Diluted EPS (Rs.) | 6.29 | 6.77 | 6.36 | 1.18 | 9.95 |
| Cash EPS (Rs.) | 6.21 | 6.98 | 6.94 | 1.61 | 10.50 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 175.94 | 172.00 | 157.29 | 156.92 | 155.37 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 175.94 | 172.00 | 157.29 | 156.92 | 155.37 |
| Revenue From Operations / Share (Rs.) | 264.21 | 265.02 | 248.83 | 217.36 | 200.64 |
| PBDIT / Share (Rs.) | 6.84 | 9.25 | 8.34 | 1.79 | 13.24 |
| PBIT / Share (Rs.) | 6.54 | 8.89 | 7.84 | 1.26 | 12.61 |
| PBT / Share (Rs.) | 6.20 | 8.57 | 7.62 | 1.08 | 12.50 |
| Net Profit / Share (Rs.) | 5.90 | 6.62 | 6.44 | 1.08 | 9.88 |
| NP After MI And SOA / Share (Rs.) | 6.29 | 6.77 | 6.36 | 1.18 | 9.95 |
| PBDIT Margin (%) | 2.59 | 3.49 | 3.35 | 0.82 | 6.59 |
| PBIT Margin (%) | 2.47 | 3.35 | 3.15 | 0.57 | 6.28 |
| PBT Margin (%) | 2.34 | 3.23 | 3.06 | 0.49 | 6.22 |
| Net Profit Margin (%) | 2.23 | 2.49 | 2.58 | 0.49 | 4.92 |
| NP After MI And SOA Margin (%) | 2.38 | 2.55 | 2.55 | 0.54 | 4.96 |
| Return on Networth / Equity (%) | 3.57 | 3.94 | 4.05 | 0.75 | 6.41 |
| Return on Capital Employeed (%) | 2.43 | 3.22 | 3.28 | 0.52 | 5.39 |
| Return On Assets (%) | 0.94 | 1.03 | 1.06 | 0.20 | 1.77 |
| Asset Turnover Ratio (%) | 0.39 | 0.42 | 0.42 | 0.37 | 0.39 |
| Current Ratio (X) | 0.42 | 0.39 | 0.37 | 0.40 | 0.42 |
| Quick Ratio (X) | 0.42 | 0.39 | 0.37 | 0.40 | 0.42 |
| Dividend Payout Ratio (NP) (%) | 32.74 | 28.48 | 4.71 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 31.21 | 27.05 | 4.37 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 67.26 | 71.52 | 95.29 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 68.79 | 72.95 | 95.63 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 20.65 | 28.53 | 38.13 | 9.80 | 113.99 |
| Interest Coverage Ratio (Post Tax) (X) | 18.80 | 21.42 | 30.43 | 6.93 | 86.05 |
| Enterprise Value (Cr.) | 7806.57 | 23229.83 | 3633.13 | 5818.08 | 13698.02 |
| EV / Net Operating Revenue (X) | 0.17 | 0.53 | 0.08 | 0.16 | 0.41 |
| EV / EBITDA (X) | 6.92 | 15.24 | 2.64 | 19.77 | 6.28 |
| MarketCap / Net Operating Revenue (X) | 0.58 | 0.85 | 0.38 | 0.51 | 0.76 |
| Retention Ratios (%) | 67.25 | 71.51 | 95.28 | 0.00 | 0.00 |
| Price / BV (X) | 0.87 | 1.33 | 0.61 | 0.71 | 0.99 |
| Price / Net Operating Revenue (X) | 0.58 | 0.85 | 0.38 | 0.51 | 0.76 |
| EarningsYield | 0.04 | 0.02 | 0.06 | 0.01 | 0.06 |
After reviewing the key financial ratios for New India Assurance Company Ltd (NIACL), here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 6.29. This value is within the healthy range. It has decreased from 6.77 (Mar 24) to 6.29, marking a decrease of 0.48.
- For Diluted EPS (Rs.), as of Mar 25, the value is 6.29. This value is within the healthy range. It has decreased from 6.77 (Mar 24) to 6.29, marking a decrease of 0.48.
- For Cash EPS (Rs.), as of Mar 25, the value is 6.21. This value is within the healthy range. It has decreased from 6.98 (Mar 24) to 6.21, marking a decrease of 0.77.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 175.94. It has increased from 172.00 (Mar 24) to 175.94, marking an increase of 3.94.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 175.94. It has increased from 172.00 (Mar 24) to 175.94, marking an increase of 3.94.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 264.21. It has decreased from 265.02 (Mar 24) to 264.21, marking a decrease of 0.81.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 6.84. This value is within the healthy range. It has decreased from 9.25 (Mar 24) to 6.84, marking a decrease of 2.41.
- For PBIT / Share (Rs.), as of Mar 25, the value is 6.54. This value is within the healthy range. It has decreased from 8.89 (Mar 24) to 6.54, marking a decrease of 2.35.
- For PBT / Share (Rs.), as of Mar 25, the value is 6.20. This value is within the healthy range. It has decreased from 8.57 (Mar 24) to 6.20, marking a decrease of 2.37.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 5.90. This value is within the healthy range. It has decreased from 6.62 (Mar 24) to 5.90, marking a decrease of 0.72.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 6.29. This value is within the healthy range. It has decreased from 6.77 (Mar 24) to 6.29, marking a decrease of 0.48.
- For PBDIT Margin (%), as of Mar 25, the value is 2.59. This value is below the healthy minimum of 10. It has decreased from 3.49 (Mar 24) to 2.59, marking a decrease of 0.90.
- For PBIT Margin (%), as of Mar 25, the value is 2.47. This value is below the healthy minimum of 10. It has decreased from 3.35 (Mar 24) to 2.47, marking a decrease of 0.88.
- For PBT Margin (%), as of Mar 25, the value is 2.34. This value is below the healthy minimum of 10. It has decreased from 3.23 (Mar 24) to 2.34, marking a decrease of 0.89.
- For Net Profit Margin (%), as of Mar 25, the value is 2.23. This value is below the healthy minimum of 5. It has decreased from 2.49 (Mar 24) to 2.23, marking a decrease of 0.26.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 2.38. This value is below the healthy minimum of 8. It has decreased from 2.55 (Mar 24) to 2.38, marking a decrease of 0.17.
- For Return on Networth / Equity (%), as of Mar 25, the value is 3.57. This value is below the healthy minimum of 15. It has decreased from 3.94 (Mar 24) to 3.57, marking a decrease of 0.37.
- For Return on Capital Employeed (%), as of Mar 25, the value is 2.43. This value is below the healthy minimum of 10. It has decreased from 3.22 (Mar 24) to 2.43, marking a decrease of 0.79.
- For Return On Assets (%), as of Mar 25, the value is 0.94. This value is below the healthy minimum of 5. It has decreased from 1.03 (Mar 24) to 0.94, marking a decrease of 0.09.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.39. It has decreased from 0.42 (Mar 24) to 0.39, marking a decrease of 0.03.
- For Current Ratio (X), as of Mar 25, the value is 0.42. This value is below the healthy minimum of 1.5. It has increased from 0.39 (Mar 24) to 0.42, marking an increase of 0.03.
- For Quick Ratio (X), as of Mar 25, the value is 0.42. This value is below the healthy minimum of 1. It has increased from 0.39 (Mar 24) to 0.42, marking an increase of 0.03.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 32.74. This value is within the healthy range. It has increased from 28.48 (Mar 24) to 32.74, marking an increase of 4.26.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 31.21. This value is within the healthy range. It has increased from 27.05 (Mar 24) to 31.21, marking an increase of 4.16.
- For Earning Retention Ratio (%), as of Mar 25, the value is 67.26. This value is within the healthy range. It has decreased from 71.52 (Mar 24) to 67.26, marking a decrease of 4.26.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 68.79. This value is within the healthy range. It has decreased from 72.95 (Mar 24) to 68.79, marking a decrease of 4.16.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 20.65. This value is within the healthy range. It has decreased from 28.53 (Mar 24) to 20.65, marking a decrease of 7.88.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 18.80. This value is within the healthy range. It has decreased from 21.42 (Mar 24) to 18.80, marking a decrease of 2.62.
- For Enterprise Value (Cr.), as of Mar 25, the value is 7,806.57. It has decreased from 23,229.83 (Mar 24) to 7,806.57, marking a decrease of 15,423.26.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 0.17. This value is below the healthy minimum of 1. It has decreased from 0.53 (Mar 24) to 0.17, marking a decrease of 0.36.
- For EV / EBITDA (X), as of Mar 25, the value is 6.92. This value is within the healthy range. It has decreased from 15.24 (Mar 24) to 6.92, marking a decrease of 8.32.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.58. This value is below the healthy minimum of 1. It has decreased from 0.85 (Mar 24) to 0.58, marking a decrease of 0.27.
- For Retention Ratios (%), as of Mar 25, the value is 67.25. This value is within the healthy range. It has decreased from 71.51 (Mar 24) to 67.25, marking a decrease of 4.26.
- For Price / BV (X), as of Mar 25, the value is 0.87. This value is below the healthy minimum of 1. It has decreased from 1.33 (Mar 24) to 0.87, marking a decrease of 0.46.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.58. This value is below the healthy minimum of 1. It has decreased from 0.85 (Mar 24) to 0.58, marking a decrease of 0.27.
- For EarningsYield, as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has increased from 0.02 (Mar 24) to 0.04, marking an increase of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in New India Assurance Company Ltd (NIACL):
- Net Profit Margin: 2.23%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 2.43% (Industry Average ROCE: 14.25%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 3.57% (Industry Average ROE: 11.22%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 18.8
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0.42
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 21.4 (Industry average Stock P/E: 28.2)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 2.23%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Non Life Insurance | New India Assurance Building, 87, M G Road, Fort, Mumbai Maharashtra 400001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Ms. Girija Subramanian | Chairman & Managing Director |
| Ms. Smita Srivastava | Executive Director |
| Ms. Kasturi Sengupta | Executive Director |
| Ms. Akani Devi | Non Executive Director |
| Mr. Nidhu Saxena | Non Executive Director |
| Dr. Parshant Kumar Goyal | Government Nominee Director |
| Ms. B Shwetha Rao | Government Nominee Director |
FAQ
What is the intrinsic value of New India Assurance Company Ltd (NIACL)?
New India Assurance Company Ltd (NIACL)'s intrinsic value (as of 12 February 2026) is ₹153.44 which is 1.01% lower the current market price of ₹155.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹25,478 Cr. market cap, FY2025-2026 high/low of ₹215/135, reserves of ₹27,989 Cr, and liabilities of ₹110,706 Cr.
What is the Market Cap of New India Assurance Company Ltd (NIACL)?
The Market Cap of New India Assurance Company Ltd (NIACL) is 25,478 Cr..
What is the current Stock Price of New India Assurance Company Ltd (NIACL) as on 12 February 2026?
The current stock price of New India Assurance Company Ltd (NIACL) as on 12 February 2026 is ₹155.
What is the High / Low of New India Assurance Company Ltd (NIACL) stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of New India Assurance Company Ltd (NIACL) stocks is ₹215/135.
What is the Stock P/E of New India Assurance Company Ltd (NIACL)?
The Stock P/E of New India Assurance Company Ltd (NIACL) is 21.4.
What is the Book Value of New India Assurance Company Ltd (NIACL)?
The Book Value of New India Assurance Company Ltd (NIACL) is 0.00.
What is the Dividend Yield of New India Assurance Company Ltd (NIACL)?
The Dividend Yield of New India Assurance Company Ltd (NIACL) is 1.16 %.
What is the ROCE of New India Assurance Company Ltd (NIACL)?
The ROCE of New India Assurance Company Ltd (NIACL) is 3.59 %.
What is the ROE of New India Assurance Company Ltd (NIACL)?
The ROE of New India Assurance Company Ltd (NIACL) is 3.64 %.
What is the Face Value of New India Assurance Company Ltd (NIACL)?
The Face Value of New India Assurance Company Ltd (NIACL) is 5.00.