Share Price and Basic Stock Data
Last Updated: December 29, 2025, 11:59 am
| PEG Ratio | 0.50 |
|---|
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 and reported a market capitalization of ₹25,350 Cr. The company’s share price stood at ₹154, with a price-to-earnings (P/E) ratio of 21.8. Over the past fiscal years, NIACL’s revenue has shown a positive trajectory, with total sales increasing from ₹35,821 Cr in FY 2022 to ₹41,007 Cr in FY 2023, and further to ₹43,285 Cr in FY 2024. The trailing twelve months (TTM) revenue reached ₹47,536 Cr, indicating a robust growth trend. Quarterly sales figures also reflect this upward momentum, with sales of ₹11,590 Cr reported in September 2022, peaking at ₹11,686 Cr in March 2024. However, the company faced fluctuations in quarterly sales, with a dip to ₹9,900 Cr in June 2023. Overall, these figures suggest that while NIACL has demonstrated growth, it needs to sustain its momentum to remain competitive in the evolving insurance landscape.
Profitability and Efficiency Metrics
NIACL’s profitability metrics reveal a mixed performance. The operating profit margin (OPM) stood at a modest 2% for the current period, with fluctuations observed in quarterly results. For instance, the OPM reached a high of 8% in December 2022 but fell to -2% in September 2023, reflecting significant volatility. Net profit for FY 2023 was recorded at ₹1,050 Cr, with a subsequent increase to ₹1,120 Cr in FY 2024. The company’s return on equity (ROE) is relatively low at 3.64%, and return on capital employed (ROCE) is slightly lower at 3.59%. The interest coverage ratio (ICR) is strong at 20.65x, indicating that NIACL has ample earnings to cover its interest obligations. However, the overall profitability indicators suggest a need for strategic improvements to enhance operational efficiency and stabilize profit margins.
Balance Sheet Strength and Financial Ratios
NIACL’s balance sheet reflects a strong capital structure, with total reserves amounting to ₹27,989 Cr and no reported borrowings, which underscores its financial stability. The company has maintained a consistent book value of ₹175.94 per share as of March 2025. The price-to-book value (P/BV) ratio stands at 0.87x, indicating that the stock is trading below its book value, which could suggest an undervaluation. The current ratio is at 0.42, indicating potential liquidity concerns, while the quick ratio also mirrors this at 0.42. The net profit margin for FY 2025 was recorded at 2.23%, which is indicative of tight margins compared to industry averages. Overall, while NIACL’s balance sheet shows solid reserves and low leverage, the liquidity ratios suggest areas that require attention to ensure short-term financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of NIACL demonstrates significant promoter confidence, with promoters holding 85.44% of the total shares. Foreign institutional investors (FIIs) have gradually increased their stake from 0.62% in December 2022 to 1.01% by June 2025, indicating a growing interest from outside investors. Domestic institutional investors (DIIs) hold 11.18%, reflecting solid institutional backing. The number of shareholders has also shown an upward trend, increasing from 1,32,799 in December 2022 to 1,61,809 by September 2025. This suggests an expanding retail investor base, which could enhance liquidity and stabilize the stock price. However, the relatively low public shareholding at 2.37% raises questions about market accessibility and could limit broader investor participation in the company.
Outlook, Risks, and Final Insight
Looking ahead, NIACL faces both opportunities and risks. The company’s growth in revenue and stable reserves position it favorably within the non-life insurance sector. However, profitability remains a concern, with low margins and fluctuating operating profits posing risks to sustained performance. The company also faces challenges from increasing competition and regulatory changes in the insurance industry, which could impact future growth trajectories. To enhance profitability, NIACL could focus on improving operational efficiencies and diversifying its product offerings. Additionally, maintaining a robust capital base while addressing liquidity ratios will be crucial in navigating potential market fluctuations. Overall, while the company has demonstrated resilience, strategic initiatives will be vital for long-term success in a competitive landscape.
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) | 25,247 Cr. | 153 | 215/135 | 21.7 | 175 | 1.17 % | 3.59 % | 3.64 % | 5.00 |
| ICICI Lombard General Insurance Company Ltd | 96,817 Cr. | 1,944 | 2,075/1,613 | 34.5 | 322 | 0.64 % | 24.9 % | 18.8 % | 10.0 |
| Industry Average | 61,032.00 Cr | 1,048.50 | 28.10 | 248.50 | 0.91% | 14.25% | 11.22% | 7.50 |
All Competitor Stocks of New India Assurance Company Ltd (NIACL)
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11,590 | 10,558 | 10,182 | 9,900 | 10,567 | 11,366 | 11,686 | 10,418 | 10,786 | 10,703 | 11,664 | 11,719 | 13,450 |
| Expenses | 11,556 | 9,668 | 10,073 | 9,557 | 10,813 | 10,500 | 11,252 | 10,148 | 10,646 | 10,605 | 11,239 | 11,530 | 13,319 |
| Operating Profit | 33 | 891 | 109 | 343 | -246 | 866 | 434 | 270 | 140 | 98 | 426 | 189 | 131 |
| OPM % | 0% | 8% | 1% | 3% | -2% | 8% | 4% | 3% | 1% | 1% | 4% | 2% | 1% |
| Other Income | 4 | 17 | 41 | -25 | 4 | 0 | 36 | 2 | 1 | 9 | 77 | 202 | -108 |
| 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 | 38 | 908 | 150 | 318 | -242 | 866 | 470 | 272 | 141 | 107 | 502 | 391 | 23 |
| Tax % | -12% | 18% | 4% | 16% | -19% | 18% | 34% | 14% | 48% | -221% | 36% | -0% | 14% |
| Net Profit | 53 | 736 | 124 | 261 | -175 | 722 | 313 | 243 | 91 | 349 | 356 | 402 | 55 |
| EPS in Rs | 0.31 | 4.47 | 0.77 | 1.58 | -1.07 | 4.38 | 1.89 | 1.45 | 0.54 | 2.12 | 2.18 | 2.43 | 0.33 |
Last Updated: December 28, 2025, 8:39 pm
Below is a detailed analysis of the quarterly 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 Sales, as of Sep 2025, the value is 13,450.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,719.00 Cr. (Jun 2025) to 13,450.00 Cr., marking an increase of 1,731.00 Cr..
- For Expenses, as of Sep 2025, the value is 13,319.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,530.00 Cr. (Jun 2025) to 13,319.00 Cr., marking an increase of 1,789.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 131.00 Cr.. The value appears to be declining and may need further review. It has decreased from 189.00 Cr. (Jun 2025) to 131.00 Cr., marking a decrease of 58.00 Cr..
- For OPM %, as of Sep 2025, the value is 1.00%. The value appears to be declining and may need further review. It has decreased from 2.00% (Jun 2025) to 1.00%, marking a decrease of 1.00%.
- For Other Income, as of Sep 2025, the value is -108.00 Cr.. The value appears to be declining and may need further review. It has decreased from 202.00 Cr. (Jun 2025) to -108.00 Cr., marking a decrease of 310.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 23.00 Cr.. The value appears to be declining and may need further review. It has decreased from 391.00 Cr. (Jun 2025) to 23.00 Cr., marking a decrease of 368.00 Cr..
- For Tax %, as of Sep 2025, the value is 14.00%. The value appears to be increasing, which may not be favorable. It has increased from 0.00% (Jun 2025) to 14.00%, marking an increase of 14.00%.
- For Net Profit, as of Sep 2025, the value is 55.00 Cr.. The value appears to be declining and may need further review. It has decreased from 402.00 Cr. (Jun 2025) to 55.00 Cr., marking a decrease of 347.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.33. The value appears to be declining and may need further review. It has decreased from 2.43 (Jun 2025) to 0.33, marking a decrease of 2.10.
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 |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Midcap 150 Index Fund | 118,772 | 0.2 | 2.5 | 118,772 | 2025-04-22 15:56:52 | 0% |
| Nippon India ETF Nifty Midcap 150 | 104,102 | 0.2 | 2.19 | 104,102 | 2025-04-22 15:56:52 | 0% |
| Nippon India Nifty Midcap 150 Index Fund | 99,353 | 0.2 | 2.09 | 99,353 | 2025-04-22 15:56:52 | 0% |
| Tata Nifty Midcap 150 Momentum 50 Index Fund | 71,003 | 0.71 | 1.49 | 71,003 | 2025-04-22 15:56:52 | 0% |
| Mirae Asset Nifty Midcap 150 ETF | 56,630 | 0.2 | 1.19 | 56,630 | 2025-04-22 15:56:52 | 0% |
| Edelweiss Nifty Midcap150 Momentum 50 Index Fund | 43,565 | 0.71 | 0.92 | 43,565 | 2025-04-22 17:06:01 | 0% |
| Motilal Oswal S&P BSE Enhanced Value Index Fund | 31,202 | 0.37 | 0.66 | 31,202 | 2025-04-22 17:06:01 | 0% |
| ICICI Prudential Nifty Midcap 150 Index Fund | 27,758 | 0.2 | 0.58 | 27,758 | 2025-04-22 17:06:01 | 0% |
| SBI Nifty Midcap 150 Index Fund | 25,356 | 0.2 | 0.53 | 25,356 | 2025-04-22 15:56:52 | 0% |
| ICICI Prudential Nifty Midcap 150 ETF | 24,747 | 0.2 | 0.52 | 24,747 | 2025-04-22 15:56:52 | 0% |
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: 21.7 (Industry average Stock P/E: 28.1)
- 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 29 December 2025) is 111.88 which is 26.88% lower the current market price of 153.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 25,247 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 25,247 Cr..
What is the current Stock Price of New India Assurance Company Ltd (NIACL) as on 29 December 2025?
The current stock price of New India Assurance Company Ltd (NIACL) as on 29 December 2025 is 153.
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 21.7.
What is the Book Value of New India Assurance Company Ltd (NIACL)?
The Book Value of New India Assurance Company Ltd (NIACL) is 175.
What is the Dividend Yield of New India Assurance Company Ltd (NIACL)?
The Dividend Yield of New India Assurance Company Ltd (NIACL) is 1.17 %.
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.