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NIVABUPA.NS$84.50-0.13%
Fair $84.50+0.0%

NIVABUPA.NS

Niva Bupa Health Insurance Company Limited

Financial Services / Insurance - LifeNSE

$84.50

-0.11 (-0.13%)

Fairly Valued+0.0%Fair Value $84.50Fund rank 38/100 · Data gapFallback financials|
SA 44/C
F-Score: 2/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 12.0/100

Data gap 38/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 80/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

44/100

C

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is 4.1%, below the 5% threshold
Thesis & Journal · NIVABUPA.NSLocal privado en este navegador · Niva Bupa Health Insurance Company Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$156.1B

P/E

119.0x

↑

EV/EBITDA

N/A

•

ROE

4.1%

↓

Gross Margin

N/A

•

Debt/Equity

0.08

↓
52-Week Range$85
$68$94

TradingView lightweight chart

NIVABUPA.NS price, volumen y niveles de valoración

Último $83.50Periodo +12.8%
Fair value: $84.50

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+33.7%

FCF CAGR

+15.6%

FCF margin

12.8%

FCF / Net income

6.55x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $66.95B · net income $1.31B · FCF $8.56B

2023-FY → 2026-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

2.0%+1.5% pts

FCF margin

12.8%-7.0% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$66.95B$66.95B$53.74B$44.27B$27.99B
Net Income$1.31B$1.31B$2.14B$818.5M$125.4M
EPS——1.200.450.07
Net Margin2.0%2.0%4.0%1.8%0.4%
Balance Sheet
Debt/Equity0.080.080.060.060.09
Current Ratio2.612.61———
Cash Flow
Free Cash Flow$8.56B$8.56B$16.13B$7.80B$5.55B
Returns
ROE4.1%4.1%4.8%2.1%0.4%
Valuation
P/E119.01119.0162.01——
P/B4.884.882.95——
Growth & Yield
Revenue Growth24.6%24.6%21.4%58.2%—
EPS Growth——167.9%552.7%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -8.5%

Total return

-8.5%

Start / end P/E

n/dx → n/dx

EPS bridge

1.20 → n/d

Residual

-8.5%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-8.5%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.