Niva Bupa Health Insurance Company (NIVABUPA) Fair Value & Analysis
Financial Services · IN · Market cap ₹160B
Fair value as of: Jul 3, 2026
From 20 valuation models · updated today
Share price +3.1% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹68.40 – ₹91.00 · fair‑value band ₹10.61 – ₹17.68 · the ₹86.62 price screens above the ₹14.14 fair value. As of Jul 3, 2026.
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Niva Bupa Health Insurance Company (NIVABUPA) currently trades at ₹86.62, while our model-based Fair Value estimate is ₹14.14 — implying the stock looks roughly 83.7% overvalued today. We read business quality at 59/100 (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: medium).
Over the trailing twelve months, Niva Bupa Health Insurance Company generated revenue of ₹84.4B at a net margin of 4.3%. Revenue grew 26.8% year over year. It earns a return on equity of 10.7%. Net debt stands at ₹913M. 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
Niva Bupa Health Insurance Company Limited provides health insurance products in India. It offers health insurance plans, such as individual, family, NRIs, senior citizens, personal accident, critical illness; travel insurance, including international and studying abroad insurance plans; and corporate insurance comprising group and start up health, group personal accident and OPD coverage, and group health insurance claim process. The company was formerly known as Max Bupa Health Insurance Company Limited and changed its name to Niva Bupa Health Insurance Company Limited in July 2021. The company was founded in 1947 and is based in Gurugram, India. Niva Bupa Health Insurance Company Limited is a subsidiary of Bupa Singapore Holdings Pte. Ltd.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Niva Bupa Health Insurance Company reported revenue of ₹66.9B in FY2026 versus ₹18.4B in FY2022, a compound +38.1%/yr. Reported net income was ₹1.3B in FY2026.
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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.