The New India Assurance Company (NIACL) Fair Value & Analysis
Financial Services · IN · Market cap ₹309B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +26.3% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹117.82 – ₹212.11 · fair‑value band ₹83.67 – ₹139.44 · the ₹185.82 price screens above the ₹111.56 fair value. As of Jul 3, 2026.
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The New India Assurance Company (NIACL) currently trades at ₹185.82, while our model-based Fair Value estimate is ₹111.56 — implying the stock looks roughly 40.0% overvalued today. We read business quality at 57/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, The New India Assurance Company generated revenue of ₹498B at a net margin of 2.8%. Revenue grew 13.7% year over year. It earns a return on equity of 3.4%. The balance sheet holds a net cash position of ₹193B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
The New India Assurance Company Limited, together with its subsidiaries, operates as a general insurance company in India and internationally. The company provides credit, engineering, aviation, property, personal accident, liability, marine cargo, marine hull, fire, travel, motor, health, employers liability, rural, product / public liability, other liability, social sector, and miscellaneous insurance products. It also offers crop, cattle, sheep, goat, poultry, horticulture/plantation, and micro insurance products, as well as insurance for agriculture solar pump sets. In addition, it offers bancassurance and reinsurance products, and government schemes. The New India Assurance Company Limited was incorporated in 1919 and is headquartered in Mumbai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
The New India Assurance Company reported revenue of ₹507B in FY2026 versus ₹365B in FY2022, a compound +8.5%/yr. Reported net income was ₹14.1B in FY2026, compounding +64.2%/yr from FY2022.
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Similar stocks
6 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRK | C$35.75 | C$32.35 | -10% |
| Allianz SE 1ALV | €420.00 | €397.72 | -5% |
| Zurich Insurance Group ZURVY | $36.15 | $29.58 | -18% |
| AXA SA 1CS | €44.03 | €67.43 | +53% |
| Assicurazioni Generali S.p.A ARZGY | $24.41 | $28.91 | +18% |
| Sun Life Financial Inc SLF | $77.55 | $118.90 | +53% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.