Niva Bupa Health Insurance Company Intrinsic Value
NIVABUPA Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹22.90 | ₹18.32 - ₹27.48 | -70.0% | EPS: ₹0.50, Sector P/E: 12x |
| Book Value Method | asset | ₹20.67 | ₹18.60 - ₹22.74 | -72.9% | Book Value/Share: ₹20.67, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹25.77 | ₹23.19 - ₹28.35 | -66.2% | Revenue/Share: ₹32.22, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹30.54 | ₹27.49 - ₹33.59 | -60.0% | EBITDA: ₹93.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹122.97 | ₹98.38 - ₹147.56 | +61.1% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹22.90 | ₹20.61 - ₹25.19 | -70.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹22.90 | ₹20.61 - ₹25.19 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹22.90 | ₹20.61 - ₹25.19 | -70.0% | EPS: ₹0.50, BVPS: ₹20.67 |
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Valuation Comparison Chart
NIVABUPA Intrinsic Value Analysis
What is the intrinsic value of NIVABUPA?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Niva Bupa Health Insurance Company (NIVABUPA) is ₹22.90 (median value). With the current market price of ₹76.34, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹20.67 to ₹122.97, indicating ₹20.67 - ₹122.97.
Is NIVABUPA undervalued or overvalued?
Based on our multi-method analysis, Niva Bupa Health Insurance Company (NIVABUPA) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | -3.22 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 0.88 | Industry Standard: <0.5 | Below 1.0 | Indicates financial leverage level |
| Return on Equity | 2.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -10.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.78x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
Related Pages for Niva Bupa Health Insurance Company
Additional stock information and data for NIVABUPA
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,654 Cr | ₹480 Cr | Positive Free Cash Flow | 7/10 |
| March 2024 | ₹813 Cr | ₹-128 Cr | Positive Operating Cash Flow | 6/10 |
| March 2023 | ₹593 Cr | ₹179 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹338 Cr | ₹-24 Cr | Positive Operating Cash Flow | 6/10 |
| March 2021 | ₹257 Cr | ₹70 Cr | Positive Free Cash Flow | 7/10 |