The New India Assurance Company Intrinsic Value
The New India Assurance Company intrinsic value. The New India Assurance Company (NIACL) median intrinsic value is ₹281.55 from 8 valuation models (range ₹48–₹347), vs current price ₹159.80 — +76.2% upside (Trading Below Calculated Value), margin of safety 43.2%. Compare with NIACL DCF valuation to assess whether the stock is under or overvalued.
NIACL Valuation Methods Summary — DCF, Graham Number & P/E
The New India Assurance Company intrinsic value across 8 models vs current price ₹159.80 — upside/downside and value range per method. Read The New India Assurance Compan dividend policy for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹168.48 | ₹134.78 - ₹202.18 | +5.4% | EPS: ₹14.04, Sector P/E: 12x |
| Book Value Method | asset | ₹346.88 | ₹312.19 - ₹381.57 | +117.1% | Book Value/Share: ₹346.88, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹319.60 | ₹287.64 - ₹351.56 | +100.0% | Revenue/Share: ₹507.23, P/S: 0.8x |
| PEG Ratio Method | growth | ₹89.86 | ₹80.87 - ₹98.85 | -43.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹115.69 | ₹104.12 - ₹127.26 | -27.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹281.55 | ₹253.40 - ₹309.71 | +76.2% | ROE: 8.1%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹331.03 | ₹297.93 - ₹364.13 | +107.2% | EPS: ₹14.04, BVPS: ₹346.88 |
| Dividend Yield Method | dividend | ₹47.94 | ₹43.15 - ₹52.73 | -70.0% | DPS: ₹1.50, Target Yield: 3.5% |
NIACL Intrinsic Value vs Market Price — All Valuation Models
The New India Assurance Company fair value range ₹48–₹347 vs current market price ₹159.80 across 8 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 ₹159.80 — Trading Below Calculated Value by 76.2%, margin of safety 43.2%.
What is the intrinsic value of NIACL?
Based on our comprehensive analysis using 8 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 ₹159.80, this represents a +76.2% variance from our estimated fair value.
The valuation range spans from ₹47.94 to ₹346.88, indicating ₹47.94 - ₹346.88.
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 76.2%.
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 |
|---|---|---|---|---|
| Return on Equity | 8.1% | 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 | 1.08x | Industry Standard: 1.0x+ | Above 1.0x | 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 2026 | ₹-4,532 Cr | ₹-4,532 Cr | Negative Cash Flow | 3/10 |
| 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 |