The New India Assurance Company Intrinsic Value
NIACL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹46.35 | ₹37.08 - ₹55.62 | -70.0% | EPS: ₹1.32, Sector P/E: 12x |
| Book Value Method | asset | ₹352.45 | ₹317.20 - ₹387.69 | +128.1% | Book Value/Share: ₹352.45, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹309.02 | ₹278.12 - ₹339.92 | +100.0% | Revenue/Share: ₹453.79, P/S: 0.8x |
| PEG Ratio Method | growth | ₹46.35 | ₹41.72 - ₹50.99 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹46.35 | ₹41.72 - ₹50.99 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹102.31 | ₹92.08 - ₹112.54 | -33.8% | EPS: ₹1.32, BVPS: ₹352.45 |
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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 ₹154.51, this represents a -33.8% variance from our estimated fair value.
The valuation range spans from ₹46.35 to ₹352.45, indicating ₹46.35 - ₹352.45.
Is NIACL undervalued or overvalued?
Based on our multi-method analysis, The New India Assurance Company (NIACL) appears to be trading above calculated value by approximately 33.8%.
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 |
| Debt to Equity Ratio | 1.52 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 0.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -41.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.85x | 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 |