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New India Assurance Co. Ltd. (NIACL) Stock Price & Analysis

3 Followers

NIACL Stock Chart & Stats

₹158.05-₹3.20(-1.98%)
At close: 3:30 PM GMT+5:30
₹150₹175₹200₹225Aug 17Aug 31Sep 15Sep 28Oct 12Oct 26Nov 9
Day’s Range
INR 157.40 - INR 160.65
52-Week Range
INR 116.95 - INR 242.65
Previous Close
INR 161.25
Volume
N/A
Average Volume (3M)
262.08K
Market Cap
INR 265.74B
Enterprise Value
INR 275.95B
Total Cash (Recent Filing)
INR 165.31B
Total Debt (Recent Filing)
INR 0
Price to Earnings (P/E)
―
Beta
1.56
Next Earnings
Feb 05, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Jul 10, 2026
Dividend Yield
0.95%

Bulls Say, Bears Say

Bulls Say

Debt-free Balance Sheet

The absence of reported debt gives NIACL substantial financial flexibility and reduces interest, refinancing, and solvency pressure. This conservative capital structure can help the insurer withstand claims volatility, preserve investment capacity, and fund operations without relying heavily on external borrowing.

Diversified Insurance Platform

NIACL’s broad product portfolio and presence across retail and commercial insurance reduce reliance on any single line of business. Its branch, agent, broker, bancassurance, corporate, and digital channels also provide a durable platform for reaching varied customers and markets.

Positive Revenue And Profitability

Continued profitability alongside positive latest-year revenue growth indicates that NIACL retains an established operating base and recurring demand for its insurance products. This provides a foundation for future scale, even though the earnings profile remains less robust than the balance sheet.

Bears Say

Uneven Cash Generation

Several consecutive years of negative operating and free cash flow indicate inconsistent conversion of reported earnings into cash. Although FY2026 improved, the sharp reversal makes internally generated funding less predictable and could constrain investment, claims flexibility, or other capital allocation decisions.

Thin, Volatile Profitability

Low and uneven margins leave limited room to absorb adverse claims experience, pricing pressure, or higher operating costs. The absence of a consistently improving operating margin also suggests that revenue growth may not translate reliably into stronger earnings over the next several quarters.

Modest And Inconsistent Returns

Improving return on equity is constructive, but the still-modest level and history of inconsistency indicate that NIACL is not yet generating strong returns from its substantial capital base. This can limit retained earnings growth and indicates that balance-sheet strength is not fully translating into shareholder profitability.

New India Assurance Co. Ltd. News

NIACL FAQ

What was New India Assurance Co. Ltd.’s price range in the past 12 months?
New India Assurance Co. Ltd. lowest stock price was ₹116.95 and its highest was ₹242.65 in the past 12 months.
What is New India Assurance Co. Ltd.’s market cap?
New India Assurance Co. Ltd.’s market cap is ₹265.74B.
When is New India Assurance Co. Ltd.’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were New India Assurance Co. Ltd.’s earnings last quarter?
New India Assurance Co. Ltd. released its earnings results on Oct 30, 2026. The company reported -₹7.59 earnings per share for the quarter.
Is New India Assurance Co. Ltd. overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does New India Assurance Co. Ltd. pay dividends?
New India Assurance Co. Ltd. pays an annual dividend of ₹1.5 which represents an annual dividend yield of 0.95%. See more information on New India Assurance Co. Ltd. dividends here
What is New India Assurance Co. Ltd.’s EPS estimate?
New India Assurance Co. Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does New India Assurance Co. Ltd. have?
New India Assurance Co. Ltd. has 1,648,000,000 shares outstanding.
What happened to New India Assurance Co. Ltd.’s price movement after its last earnings report?
New India Assurance Co. Ltd. reported an EPS of -₹7.59 in its last earnings report. Following the earnings report the stock price went down -4.882%.
Which hedge fund is a major shareholder of New India Assurance Co. Ltd.?
Currently, no hedge funds are holding shares in IN:NIACL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology