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Insurance | Small Cap
Health Score : 2.62New India Assurance Company Ltd, operating in the financial services sector, demonstrates a mixed financial performance. The company shows strengths in solvency, driven by minimal debt, and efficiency, particularly in managing receivables. Growth metrics are also strong, with significant increases in operating profit, assets, and net income. However, profitability metrics are generally weak, indicating challenges in converting revenue into profit. Liquidity is not measured due to lack of data. Financial metrics present a mixed picture, with strong book value per share offset by the absence of dividends and low cash earnings per share. Overall, while the company exhibits growth and stability through low debt, improvements in profitability are needed to enhance its financial health.
Health Score : 2.62New India Assurance Company Ltd, operating in the financial services sector, demonstrates a mixed financial performance. The company shows strengths in solvency, driven by minimal debt, and efficiency, particularly in managing receivables. Growth metrics are also strong, with significant increases in operating profit, assets, and net income. However, profitability metrics are generally weak, indicating challenges in converting revenue into profit. Liquidity is not measured due to lack of data. Financial metrics present a mixed picture, with strong book value per share offset by the absence of dividends and low cash earnings per share. Overall, while the company exhibits growth and stability through low debt, improvements in profitability are needed to enhance its financial health.
Overall Valuation Score
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P/E RATIO (TTM)
21.35
Industry Median
24.32
Small Cap Median
21.88
P/E RATIO
23.97
P/B RATIO
0.86
Industry Median
3.12
Small Cap Median
2.69
P/S RATIO
0.57
Industry Median
1.84
Small Cap Median
1.82
Others
PEG RATIO
-3.79
EV/EBITDA RATIO
8.78
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹150.75 as on Jun 15, 2026.
Growth Score : 4.00The company demonstrates strong growth in operating profit, assets, and net income, indicating positive business momentum. However, revenue growth is low, suggesting potential challenges in expanding sales. Additionally, negative EPS growth raises concerns about profitability at the per-share level. Balancing revenue expansion with profit optimization is crucial for sustainable growth.
Revenue Growth RatePoorOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 8.33 | 14.48 | 5.56 | 0.16 | 14.83 |
| Operating Profit Growth Rate | -91.71 | 622.6 | -0.86 | -36.75 | -57.48 |
| Earnings Per Share (EPS) Growth | -88.14 | 438.98 | 6.45 | -7.09 | 36.25 |
| Asset Growth Rate | 4.35 | 1.79 | 9.39 | 2.16 | 0.53 |
| Net Income Growth Rate | -87.96 | 430.3 | 6.67 | -7.32 | 36.51 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
No Peer Data Is Available at This Moment.
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤6th Feb 26
Q3 & 9M FY26 Earnings Concall
BULLISH SENTIMENT
No Stock News Available at This Moment.
New India Assurance Company Ltd. is one of India's largest public sector general insurance companies. Established in 1919, it offers a wide array of insurance products including motor, health, fire, marine, and liability insurance, serving individuals, SMEs, and large corporations. It holds a significant market share in the Indian non-life insurance sector.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. New India Assurance Company Ltd's P/E ratio (TTM) is 21.35, compared to the industry median of 24.32 and large cap median of 21.88.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. New India Assurance Company Ltd's P/B ratio is 0.86, compared to the industry median of 3.12 and large cap median of 2.69.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. New India Assurance Company Ltd's P/S ratio is 0.57, compared to the industry median of 1.84 and large cap median of 1.82.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. New India Assurance Company Ltd's PEG ratio is -3.79.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. New India Assurance Company Ltd's EV/EBITDA ratio is 8.78.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. New India Assurance Company Ltd's ROE is 4.09%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. New India Assurance Company Ltd's ROA is 0.31%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. New India Assurance Company Ltd's ROCE is 4%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. New India Assurance Company Ltd's operating margin is 0.68%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. New India Assurance Company Ltd's net margin is 2.85%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. New India Assurance Company Ltd's current ratio is 0.42.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. New India Assurance Company Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. New India Assurance Company Ltd's interest coverage ratio is N/A.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. New India Assurance Company Ltd's DPS is ₹1.80.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. New India Assurance Company Ltd's EPS is 36.25.
(Source line: "Ratios as of 20 Sept 2026, based on last traded price of ₹150.75. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1919
Headquarters: Mumbai, Maharashtra
Core Offerings: Motor Insurance, Health Insurance, Fire Insurance, Marine Insurance, Liability Insurance
Stock Listing: NSE (NIACL), BSE (540769)
Promoter: Government of India
New India Assurance was founded by Sir Dorabji Tata in 1919 as a wholly-owned Indian company. It was nationalized in 1973 and subsequently became a wholly-owned undertaking of the Government of India. The company expanded its international operations over decades and made its initial public offering (IPO) in 2017, listing on both NSE and BSE, while remaining a public sector enterprise. It continues to be a leading player in the non-life insurance sector.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Motor Insurance | ~35% (of GWP) | N/A (not typically reported for individual segments) |
| Health Insurance | ~30% (of GWP) | N/A (not typically reported for individual segments) |
| Fire & Property Insurance | ~15% (of GWP) | N/A (not typically reported for individual segments) |
| Miscellaneous & Other Insurance | ~20% (of GWP) | N/A (not typically reported for individual segments) |
Motor Insurance: Offers comprehensive coverage for private cars, two-wheelers, and commercial vehicles, addressing third-party liabilities and own damage.
Health Insurance: Provides a wide range of health policies, including individual, family floater, and group covers, with an extensive network for cashless hospitalization.
Fire & Property Insurance: Covers industrial, commercial, and residential properties against fire, allied perils, and other property-related damages.
Miscellaneous & Specialized Insurance: Includes marine cargo, personal accident, liability, engineering, and rural insurance, catering to diverse and specific risk requirements.
Ms. Neerja Shah, Chairman & Managing Director. She is a seasoned insurance professional with extensive experience in various facets of the general insurance industry, having held significant leadership roles within public sector insurance companies.
New India Assurance Co. (Trinidad & Tobago) Ltd.
New India Assurance Co. (Fiji) Ltd.
New India Assurance Co. (Mauritius) Ltd.
New India Assurance Co. (Nepal) Ltd.
New India Assurance Co. (Ghana) Ltd.
No major recent corporate actions on record (such as bonus issues, rights issues, or significant M&A activities) in the last 2-3 years.
The New India Assurance Company Ltd share price today is ₹150.75 on NSE (NIACL), as of 21 Sept 2026.
As of 20 Sept 2026, New India Assurance Company Ltd share price is ₹150.75, with previous close ₹150.75. Today's range is ₹150.75 to ₹150.75. The 52-week range is ₹116.97 to ₹242.60.
As of today, New India Assurance Company Ltd's market cap is ₹24,873.75 crore (Large Cap).
New India Assurance Company Ltd's current P/E ratio is 21.35, compared to the Financial Services (Non-Bank Finance) sector average of 23.50.
New India Assurance Company Ltd's current P/B ratio is 0.86.
New India Assurance Company Ltd's current dividend yield is 1.19%. Last dividend of ₹1.66 per share was declared on 19-Aug-2024.
New India Assurance Company Ltd's EPS (TTM) is ₹36.25.
New India Assurance Company Ltd. is one of India's largest public sector general insurance companies. Established in 1919, it offers a wide array of insurance products including motor, health, fire, marine, and liability insurance, serving individuals, SMEs, and large corporations. It holds a significant market share in the Indian non-life insurance sector.
New India Assurance Company Ltd is promoted by Government of India, holding 85.44% as of 20 Sept 2026.
New India Assurance Company Ltd is listed on NSE (NIACL) and BSE (540769). Its next quarterly results are expected on August 2024 (Q1 FY25).
Cash Earnings Per Share (Cash EPS)