Niva Bupa Health Insurance Company Limited Fundamental Analysis (NSE: NIVABUPA.NS)
Niva Bupa Health Insurance Company Limited Fundamental Analysis (NSE: NIVABUPA.NS)
Niva Bupa Health Insurance Company Limited (NSE: NIVABUPA.NS) shows weak financial fundamentals with a PE ratio of 42.10, profit margin of 4.78%, and ROE of 9.39%. The company generates $75.4B in annual revenue with strong year-over-year growth of 17.64%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NIVABUPA.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakNIVABUPA.NS struggles to generate sufficient returns from assets.
Valuation Score
ModerateNIVABUPA.NS shows balanced valuation metrics.
Growth Score
ModerateNIVABUPA.NS shows steady but slowing expansion.
Financial Health Score
ModerateNIVABUPA.NS shows balanced financial health with some risks.
Profitability Score
WeakNIVABUPA.NS struggles to sustain strong margins.
Key Financial Metrics
Is NIVABUPA.NS Expensive or Cheap?
P/E Ratio
NIVABUPA.NS trades at 42.10 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, NIVABUPA.NS's PEG of -0.10 indicates potential undervaluation.
Price to Book
The market values Niva Bupa Health Insurance Company Limited at 4.77 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 36.88 times EBITDA. This signals the market has high growth expectations.
How Well Does NIVABUPA.NS Make Money?
Net Profit Margin
For every $100 in sales, Niva Bupa Health Insurance Company Limited keeps $4.78 as profit after all expenses.
Operating Margin
Core operations generate 5.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.39 in profit for every $100 of shareholder equity.
ROA
Niva Bupa Health Insurance Company Limited generates $3.19 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Niva Bupa Health Insurance Company Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Niva Bupa Health Insurance Company Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
NIVABUPA.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
42.10
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.10
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.77
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.03
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.08
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How NIVABUPA.NS Stacks Against Its Sector Peers
| Metric | NIVABUPA.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 42.10 | 21.07 | Worse (Expensive) |
| ROE | 9.39% | 647.00% | Weak |
| Net Margin | 4.78% | -1594.00% (disorted) | Weak |
| Debt/Equity | 0.08 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 912.43 | Weak Liquidity |
| ROA | 3.19% | -579.00% (disorted) | Weak |
NIVABUPA.NS outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Niva Bupa Health Insurance Company Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
11.73%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-41.83%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-47.19%
Industry Style: Value, Dividend, Cyclical
Declining