The New India Assurance Company Intrinsic Value
NIACL • Insurance
Current Stock Price
₹124.26
Primary Intrinsic Value
₹37.28
Market Cap
₹102.4K Cr
-17.7%
Downside
Median Value
₹102.31
Value Range
₹37 - ₹311
Assessment
Trading Above Median Value
Safety Margin
-21.5%
NIACL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹37.28 | ₹29.82 - ₹44.74 | -70.0% | EPS: ₹1.32, Sector P/E: 12x |
| Book Value Method | asset | ₹310.65 | ₹279.58 - ₹341.71 | +150.0% | Book Value/Share: ₹352.45, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹248.52 | ₹223.67 - ₹273.37 | +100.0% | Revenue/Share: ₹463.74, P/S: 0.8x |
| PEG Ratio Method | growth | ₹37.28 | ₹33.55 - ₹41.01 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹37.28 | ₹33.55 - ₹41.01 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹102.31 | ₹92.08 - ₹112.54 | -17.7% | EPS: ₹1.32, BVPS: ₹352.45 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
NIACL Intrinsic Value Analysis
What is the intrinsic value of NIACL?
Based on our comprehensive analysis using 6 different valuation methods, the estimated intrinsic value of The New India Assurance Company (NIACL) is ₹102.31 (median value). With the current market price of ₹124.26, this represents a -17.7% variance from our estimated fair value.
The valuation range spans from ₹37.28 to ₹310.65, indicating ₹37.28 - ₹310.65.
Is NIACL undervalued or overvalued?
Based on our multi-method analysis, The New India Assurance Company (NIACL) appears to be trading above median value by approximately 17.7%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 1.82 | Industry Standard: 2.0+ | Above 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 0.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -43.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.86x | Industry Standard: 1.0x+ | Above 0.5x | Measures asset utilization efficiency |
Related Pages for The New India Assurance Company
Additional stock information and data for NIACL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-3,390 Cr | ₹-3,390 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-4,672 Cr | ₹-4,672 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-5,855 Cr | ₹-5,855 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-4,052 Cr | ₹-4,052 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹777 Cr | ₹610 Cr | Positive Free Cash Flow | 8/10 |