Niva Bupa Health Insurance Company Limited
Financial trend (97/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveOvervaluedStocksWizard rates Niva Bupa Health Insurance Company Limited a Hold, scoring 45/100 on our blended model. At ₹79.93 it trades above our blended DCF and relative-multiples fair value of ₹39.97, about 50% downside to that estimate — we read it as overvalued by 50%. On 122.0x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 10% below its 52-week high of ₹88.36 and 17% above the low of ₹68.4. Financial health scores 51/100, with a Piotroski F-score of 5/9. The average analyst target of ₹93.82 implies about 17% upside across 11 analysts. It clears 5 of 12 investability checks, with durability 57, valuation 0 and momentum 48 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹31.97.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-9.54% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 10.7%
- Pass: Low debt (D/E < 0.5): 0.10x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 27%
- Pass: Earnings growing: 90%
- Fail: Net margin ≥ 10%: 4.3%
- Pass: Current ratio > 1.5: 2.51
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter76.8%
- Institutions15.7%
- Public & other7.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Earnings growing (90% YoY).
- Revenue growing (27% YoY).
Bear case
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About Niva Bupa Health Insurance Company Limited
Niva Bupa Health Insurance Company Limited offers health insurance products in India, including individual, family, and senior citizen plans; critical illness and personal accident coverage; travel insurance for international and study abroad purposes; and corporate group policies with health, personal accident, and OPD benefits.
Niva Bupa Health Insurance Company Limited — frequently asked questions
Is Niva Bupa Health Insurance Company Limited a buy, hold or sell?
StocksWizard currently rates Niva Bupa Health Insurance Company Limited (NIVABUPA) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Niva Bupa Health Insurance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates Niva Bupa Health Insurance Company Limited's fair value at about ₹39.97, versus a current price of ₹79.93 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Niva Bupa Health Insurance Company Limited financially healthy?
Niva Bupa Health Insurance Company Limited scores 51/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has Niva Bupa Health Insurance Company Limited's share price performed?
Niva Bupa Health Insurance Company Limited is down 5% over three months, and last traded at ₹79.93. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.