Niva Bupa Health Insurance Company Intrinsic Value
Niva Bupa Health Insurance Company (NIVABUPA) median intrinsic value is ₹24.79 from 8 valuation models (range ₹20–₹67), vs current price ₹82.62 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Read NIVABUPA dividend payout details for the complete payout history and dividend yield track record.
NIVABUPA Valuation Methods Summary — DCF, Graham Number & P/E
Niva Bupa Health Insurance Company intrinsic value across 8 models vs current price ₹82.62 — upside/downside and value range per method. Compare with Niva Bupa Health Insurance Com valuation methods to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹24.79 | ₹19.83 - ₹29.75 | -70.0% | EPS: ₹0.90, Sector P/E: 12x |
| Book Value Method | asset | ₹20.49 | ₹18.44 - ₹22.54 | -75.2% | Book Value/Share: ₹20.49, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹34.33 | ₹30.90 - ₹37.76 | -58.4% | Revenue/Share: ₹42.92, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹33.05 | ₹29.74 - ₹36.35 | -60.0% | EBITDA: ₹242.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹66.52 | ₹53.22 - ₹79.82 | -19.5% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹24.79 | ₹22.31 - ₹27.27 | -70.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹24.79 | ₹22.31 - ₹27.27 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹24.79 | ₹22.31 - ₹27.27 | -70.0% | EPS: ₹0.90, BVPS: ₹20.49 |
NIVABUPA Intrinsic Value vs Market Price — All Valuation Models
Niva Bupa Health Insurance Company fair value range ₹20–₹67 vs current market price ₹82.62 across 8 valuation models. For current market price and key ratios, visit Niva Bupa Health Insurance Com screener.
NIVABUPA Intrinsic Value Analysis — Undervalued or Overvalued?
Niva Bupa Health Insurance Company median intrinsic value ₹24.79, current price ₹82.62 — Trading Above Calculated Value by 70.0%, margin of safety -100.0%.
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 ₹24.79 (median value). With the current market price of ₹82.62, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹20.49 to ₹66.52, indicating ₹20.49 - ₹66.52.
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%.
NIVABUPA Financial Health — Key Ratios vs Industry Benchmarks
Niva Bupa Health Insurance Company financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | -4.44 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 4.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -8.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 2.30x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
NIVABUPA Cash Flow Quality — Operating & Free Cash Flow
Niva Bupa Health Insurance Company operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹905 Cr | ₹425 Cr | Positive Free Cash Flow | 7/10 |
| 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 |