New India Assurance Company Ltd (NIACL): Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 8, 2025, 6:04 pm

Quick Insight

New India Assurance Company Ltd (NIACL) currently trades at ₹188 with a market cap of ₹30,932 Cr., sporting a P/E of 25.9, ROE of 3.62%, and ROCE of 3.56%. With an OPM of 2% and a Net Profit of ₹1,038 Cr., the company's financial health appears lackluster. The high promoter holding of 85.44% signifies confidence from insiders, while low FII and DII holdings may raise concerns about external investor interest. NIACL's low P/BV ratio of 0.87x and an ICR of 0.00x suggest undervaluation and potential liquidity issues. This data indicates a mixed outlook for NIACL, requiring a closer look at its operational efficiency and growth strategies for sustainable returns in the non-life insurance sector.

Competitors of New India Assurance Company Ltd (NIACL)

All Competitor Stocks of New India Assurance Company Ltd (NIACL)

Quarterly Result

Last Updated: August 1, 2025, 10:25 am

Below is a detailed analysis of the quarterly data for New India Assurance Company Ltd (NIACL) based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Sales, as of Jun 2025, the value is 11,719.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,664.00 Cr. (Mar 2025) to 11,719.00 Cr., marking an increase of 55.00 Cr..
• For Expenses, as of Jun 2025, the value is 11,530.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,239.00 Cr. (Mar 2025) to 11,530.00 Cr., marking an increase of 291.00 Cr..
• For Operating Profit, as of Jun 2025, the value is 189.00 Cr.. The value appears to be declining and may need further review. It has decreased from 426.00 Cr. (Mar 2025) to 189.00 Cr., marking a decrease of 237.00 Cr..
• For OPM %, as of Jun 2025, the value is 2.00%. The value appears to be declining and may need further review. It has decreased from 4.00% (Mar 2025) to 2.00%, marking a decrease of 2.00%.
• For Other Income, as of Jun 2025, the value is 202.00 Cr.. The value appears strong and on an upward trend. It has increased from 77.00 Cr. (Mar 2025) to 202.00 Cr., marking an increase of 125.00 Cr..
• For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
• For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
• For Profit before tax, as of Jun 2025, the value is 391.00 Cr.. The value appears to be declining and may need further review. It has decreased from 502.00 Cr. (Mar 2025) to 391.00 Cr., marking a decrease of 111.00 Cr..
• For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be improving (decreasing) as expected. It has decreased from 36.00% (Mar 2025) to 0.00%, marking a decrease of 36.00%.
• For Net Profit, as of Jun 2025, the value is 402.00 Cr.. The value appears strong and on an upward trend. It has increased from 356.00 Cr. (Mar 2025) to 402.00 Cr., marking an increase of 46.00 Cr..
• For EPS in Rs, as of Jun 2025, the value is 2.43. The value appears strong and on an upward trend. It has increased from 2.18 (Mar 2025) to 2.43, marking an increase of 0.25.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 3:45 pm

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: June 16, 2025, 11:13 am

Below is a detailed analysis of the balance sheet data for New India Assurance Company Ltd (NIACL) based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 824.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 824.00 Cr..
• For Reserves, as of Mar 2025, the value is 28,171.00 Cr.. The value appears strong and on an upward trend. It has increased from 27,472.00 Cr. (Mar 2024) to 28,171.00 Cr., marking an increase of 699.00 Cr..
• For Borrowings, as of Mar 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 2024) which recorded 0.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 80,776.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 79,829.00 Cr. (Mar 2024) to 80,776.00 Cr., marking an increase of 947.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 109,771.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 108,125.00 Cr. (Mar 2024) to 109,771.00 Cr., marking an increase of 1,646.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 538.00 Cr.. The value appears strong and on an upward trend. It has increased from 471.00 Cr. (Mar 2024) to 538.00 Cr., marking an increase of 67.00 Cr..
• For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20.00 Cr. (Mar 2024) to 0.00 Cr., marking a decrease of 20.00 Cr..
• For Investments, as of Mar 2025, the value is 80,942.00 Cr.. The value appears to be declining and may need further review. It has decreased from 82,069.00 Cr. (Mar 2024) to 80,942.00 Cr., marking a decrease of 1,127.00 Cr..
• For Other Assets, as of Mar 2025, the value is 28,290.00 Cr.. The value appears strong and on an upward trend. It has increased from 25,565.00 Cr. (Mar 2024) to 28,290.00 Cr., marking an increase of 2,725.00 Cr..
• For Total Assets, as of Mar 2025, the value is 109,771.00 Cr.. The value appears strong and on an upward trend. It has increased from 108,125.00 Cr. (Mar 2024) to 109,771.00 Cr., marking an increase of 1,646.00 Cr..

Notably, the Reserves (28,171.00 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

Free Cash Flow

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

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 5.90. This value is within the healthy range. It has decreased from 6.98 (Mar 24) to 5.90, marking a decrease of 1.08.
• 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 250.23. It has decreased from 265.02 (Mar 24) to 250.23, marking a decrease of 14.79.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 6.20. This value is within the healthy range. It has decreased from 9.25 (Mar 24) to 6.20, marking a decrease of 3.05.
• For PBIT / Share (Rs.), as of Mar 25, the value is 6.20. This value is within the healthy range. It has decreased from 8.89 (Mar 24) to 6.20, marking a decrease of 2.69.
• 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 2.47. This value is below the healthy minimum of 10. It has decreased from 3.49 (Mar 24) to 2.47, marking a decrease of 1.02.
• 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 2.47. This value is below the healthy minimum of 10. It has decreased from 3.23 (Mar 24) to 2.47, marking a decrease of 0.76.
• For Net Profit Margin (%), as of Mar 25, the value is 2.35. This value is below the healthy minimum of 5. It has decreased from 2.49 (Mar 24) to 2.35, marking a decrease of 0.14.
• For NP After MI And SOA Margin (%), as of Mar 25, the value is 2.51. This value is below the healthy minimum of 8. It has decreased from 2.55 (Mar 24) to 2.51, marking a decrease of 0.04.
• 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 2.31. This value is below the healthy minimum of 10. It has decreased from 3.22 (Mar 24) to 2.31, marking a decrease of 0.91.
• 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 0.37. It has decreased from 0.42 (Mar 24) to 0.37, marking a decrease of 0.05.
• 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 0.00. This value is below the healthy minimum of 20. It has decreased from 28.48 (Mar 24) to 0.00, marking a decrease of 28.48.
• For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 27.05 (Mar 24) to 0.00, marking a decrease of 27.05.
• For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 71.52 (Mar 24) to 0.00, marking a decrease of 71.52.
• For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 72.95 (Mar 24) to 0.00, marking a decrease of 72.95.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 28.53 (Mar 24) to 0.00, marking a decrease of 28.53.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 21.42 (Mar 24) to 0.00, marking a decrease of 21.42.
• 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 0.18. This value is below the healthy minimum of 1. It has decreased from 0.53 (Mar 24) to 0.18, marking a decrease of 0.35.
• For EV / EBITDA (X), as of Mar 25, the value is 7.63. This value is within the healthy range. It has decreased from 15.24 (Mar 24) to 7.63, marking a decrease of 7.61.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.61. This value is below the healthy minimum of 1. It has decreased from 0.85 (Mar 24) to 0.61, marking a decrease of 0.24.
• For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 71.51 (Mar 24) to 0.00, marking a decrease of 71.51.
• 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 0.61. This value is below the healthy minimum of 1. It has decreased from 0.85 (Mar 24) to 0.61, marking a decrease of 0.24.
• 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