The New India Assurance Company Intrinsic Value
The New India Assurance Company (NIACL) median intrinsic value is ₹281.55 from 7 valuation models (range ₹90–₹394), vs current price ₹157.42 — +78.9% upside (Trading Below Calculated Value), margin of safety 44.1%. Also explore NIACL stock price history to track price trends across different timeframes.
NIACL Valuation Methods Summary — DCF, Graham Number & P/E
The New India Assurance Company intrinsic value across 7 models vs current price ₹157.42 — upside/downside and value range per method. Browse NIACL cash flow statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹168.48 | ₹134.78 - ₹202.18 | +7.0% | EPS: ₹14.04, Sector P/E: 12x |
| Book Value Method | asset | ₹393.55 | ₹354.19 - ₹432.91 | +150.0% | Book Value/Share: ₹420.34, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹314.84 | ₹283.36 - ₹346.32 | +100.0% | Revenue/Share: ₹507.23, P/S: 0.8x |
| PEG Ratio Method | growth | ₹89.86 | ₹80.87 - ₹98.85 | -42.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹115.69 | ₹104.12 - ₹127.26 | -26.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹281.55 | ₹253.40 - ₹309.71 | +78.9% | ROE: 6.7%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹364.40 | ₹327.96 - ₹400.84 | +131.5% | EPS: ₹14.04, BVPS: ₹420.34 |
NIACL Intrinsic Value vs Market Price — All Valuation Models
The New India Assurance Company fair value range ₹90–₹394 vs current market price ₹157.42 across 7 valuation models. For current market price and key ratios, visit NIACL share price screener.
NIACL Intrinsic Value Analysis — Undervalued or Overvalued?
The New India Assurance Company median intrinsic value ₹281.55, current price ₹157.42 — Trading Below Calculated Value by 78.9%, margin of safety 44.1%.
What is the intrinsic value of NIACL?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of The New India Assurance Company (NIACL) is ₹281.55 (median value). With the current market price of ₹157.42, this represents a +78.9% variance from our estimated fair value.
The valuation range spans from ₹89.86 to ₹393.55, indicating ₹89.86 - ₹393.55.
Is NIACL undervalued or overvalued?
Based on our multi-method analysis, The New India Assurance Company (NIACL) appears to be trading below calculated value by approximately 78.9%.
NIACL Financial Health — Key Ratios vs Industry Benchmarks
The New India Assurance 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 | 7.93 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 6.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -25.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.38x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
NIACL Cash Flow Quality — Operating & Free Cash Flow
The New India Assurance 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 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 |