NIACL
The New India Assurance Company Limited (NIACL) Stock Analysis
The New India Assurance Company Limited is India's largest general insurance public-sector insurer offering motor, health, fire, and marine insurance nationwide. It earns underwriting and investment income with extensive branch network. Claims experience and competition affect combined ratios. It is listed on Indian stock exchanges.
Financial Services › Insurance - Diversified
₹197.10
-0.15% 1W | -6.00% 52W
Market Cap
32.5k CR
P/E Ratio
42.2
52W High
₹242.6
52W Low
₹117
Div. Yield
0.81%
Beta
1.1
50 DMA
₹184.3
200 DMA
₹162.1
Profit Margin
1.5%
Inst. Own.
10.8%
📊 ANALYZING TREND
📈 CONSOLIDATING UP
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 9,900 | 10,567 | 11,366 | 11,686 | 10,418 | 10,786 | 10,703 | 11,664 | 11,719 | 13,450 | 12,069 | 12,544 | 11,900 |
| Expenses | 9,557 | 10,813 | 10,500 | 11,252 | 10,148 | 10,646 | 10,605 | 11,239 | 11,530 | 13,524 | 11,863 | 12,525 | 12,105 |
| Operating Profit | 343 | -246 | 866 | 434 | 270 | 140 | 98 | 426 | 189 | -74 | 206 | 19 | -205 |
| OPM % | 3.5% | -2.3% | 8% | 3.7% | 2.6% | 1.3% | 0.9% | 3.6% | 1.6% | -0.6% | 1.7% | 0.1% | -1.7% |
| Other Income | -25 | 4 | 0 | 36 | 2 | 1 | 9 | 77 | 202 | 98 | 166 | 427 | 27 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 318 | -242 | 866 | 470 | 272 | 141 | 107 | 502 | 391 | 23 | 372 | 446 | -179 |
| Tax % | 16% | -19% | 18% | 34% | 14% | 48% | -221% | 36% | -0% | 14% | -1% | -26% | 37% |
| Net Profit | 261 | -175 | 722 | 313 | 243 | 91 | 349 | 356 | 402 | 55 | 380 | 580 | -239 |
| EPS in Rs | 1.58 | -1.07 | 4.38 | 1.89 | 1.45 | 0.54 | 2.12 | 2.18 | 2.43 | 0.33 | 2.31 | 3.51 | -1.47 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 13,354 | 15,215 | 20,234 | 19,798 | 27,660 | 28,343 | 33,066 | 35,821 | 41,007 | 43,285 | 43,541 | 49,758 | 49,962 |
| Expenses | 17,107 | 18,195 | 20,692 | 24,590 | 27,944 | 29,406 | 30,931 | 35,644 | 39,728 | 42,017 | 42,552 | 49,332 | 50,016 |
| Operating Profit | -3,753 | -2,980 | -458 | -4,793 | -284 | -1,063 | 2,136 | 177 | 1,279 | 1,268 | 989 | 426 | -54 |
| OPM % | -28% | -20% | -2.3% | -24% | -1.0% | -3.8% | 6% | 0.5% | 3.1% | 2.9% | 2.3% | 0.9% | -0.1% |
| Other Income | 5,487 | 4,063 | 1,704 | 7,601 | 1,050 | 2,816 | 27 | 87 | 60 | 203 | 84 | 888 | 717 |
| Interest | 3 | 4 | 6 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 28 | 34 | 47 | 74 | 90 | 93 | 103 | 87 | 82 | 59 | 51 | 81 | 0 |
| Profit before tax | 1,703 | 1,045 | 1,194 | 2,722 | 677 | 1,659 | 2,060 | 178 | 1,256 | 1,412 | 1,022 | 1,233 | 663 |
| Tax % | 19% | 11% | 14% | 20% | 11% | 13% | 21% | -0% | 16% | 23% | 5% | -10% | |
| Net Profit | 1,412 | 959 | 1,050 | 2,190 | 610 | 1,447 | 1,645 | 198 | 1,050 | 1,120 | 1,038 | 1,417 | 776 |
| EPS in Rs | 35.40 | 24.03 | 26.15 | 13.29 | 3.67 | 8.75 | 9.95 | 1.18 | 6.36 | 6.77 | 6.29 | 8.57 | 4.68 |
| Dividend Payout % | 21% | 26% | 30% | 33% | 41% | 0% | 0% | 25% | 5% | 30% | 29% | 18% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 7.0% | 9.0% | 13.0% |
| Profit CAGR | 99.0% | -3.0% | 21.0% |
Shareholding Pattern
Promoters85.44%
FIIs1.01%
DIIs11.18%
Public2.37%
Promoters85.44%
FIIs1.01%
DIIs11.18%
Public2.37%
Promoters85.44%
FIIs1.00%
DIIs11.15%
Public2.40%
Promoters85.44%
FIIs1.01%
DIIs11.17%
Public2.39%
Promoters85.44%
FIIs1.02%
DIIs11.17%
Public2.36%
Promoters85.44%
FIIs0.65%
DIIs11.93%
Public1.98%
Promoters85.44%
FIIs0.81%
DIIs11.76%
Public1.98%
Promoters85.44%
FIIs0.91%
DIIs11.20%
Public2.45%
Promoters85.44%
FIIs1.01%
DIIs11.17%
Public2.39%
Promoters85.44%
FIIs1.02%
DIIs11.17%
Public2.36%
NIACL
Holdings Analysis
Key strengths & risk signals
67
Overall
56
Fundamental
79
Technical
Risks (3)
OVERVALUED! PEG of 4.02 means expensive relative to growth rate.
WEAK YEAR! Stock declined 6.0% in the last year.
WEAK MOMENTUM! Limited price growth - -0.1% (1 week), 7.3% (1 month), -2.6% (3 months).
Strengths (3)
BULLISH TREND! 50-day average (184.3) is above 200-day average (162.1) - positive signal.
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 15,082,521 vs down days: 5,154,675. Ratio: 2.93x
STRONG POSITION! Current price (197.1) is above both moving averages.
Fundamental & Technical Analysis
67Overall
56Fundamental
79Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 6.9% (MODERATE, 8/15). Profit CAGR: 10.5% (GOOD, 11/15).
Profit Margin
2/10
LOW MARGIN! 1.5% profit margin - thin profits.
PEG Valuation
0/10
OVERVALUED! PEG of 4.02 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.81% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 1.97% public ownership - strong promoter/institutional control.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (184.3) is above 200-day average (162.1) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (197.1) is above both moving averages.
Trend Pattern
14/20
Current trend: CONSOLIDATING UP
52W Performance
3/10
WEAK YEAR! Stock declined 6.0% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 15,082,521 vs down days: 5,154,675. Ratio: 2.93x
RSI
3/5
NEUTRAL! RSI at 52.9 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 63.8% of 52W range - positive territory.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -0.1% (1 week), 7.3% (1 month), -2.6% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.10 - moves with the market.
NIACL
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-19 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-21 | Concall PDF | |
| Q1FY262025-10-01 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Diversified · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NIACL | ₹197.10 | 42.2 | 1.5% | 6.9% | 10.5% | -6.0% | 67 | CONSOLIDATING UP | -160.6% | -142.0% | +1.5% | -5.1% |
| ICICIGI | ₹1,486.70 | 30.7 | 8.8% | 14.9% | 17.0% | -23.6% | 62 | BREAKDOWN | -46.0% | -26.2% | +10.9% | +5.1% |
| KARURVYSYA | ₹331.50 | 11.7 | 41.3% | 18.7% | 31.4% | +52.9% | 77 | BREAKDOWN | +44.9% | +4.2% | +22.1% | -5.6% |
| STARHEALTH | ₹560.50 | 49.3 | 3.6% | 14.0% | -3.4% | +21.7% | 67 | APPROACHING SUPPORT | +25.4% | +393.9% | +12.6% | +13.7% |
| CRISIL | ₹4,560.00 | 37.7 | 21.4% | 9.6% | 10.7% | -8.5% | 74 | BREAKDOWN | +26.2% | -7.2% | +27.6% | +1.7% |
| ABSLAMC | ₹1,090.10 | 31.4 | 47.6% | 14.6% | 17.8% | +29.2% | 85 | BREAKOUT | +11.7% | +65.4% | +3.5% | +1.0% |
| NUVAMA | ₹1,687.40 | 29 | 28.1% | 20.0% | 50.5% | +30.2% | 78 | APPROACHING SUPPORT | +15.8% | +13.6% | +9.4% | -10.3% |
| HUDCO | ₹169.60 | 8 | 90.7% | 10.0% | 33.3% | -24.3% | 67 | APPROACHING SUPPORT | +35.1% | -57.0% | +37.4% | +58.0% |
Data from TradeAlone · Updated daily
NIACL News
The New India Assurance Company Limited (NIACL) gains 8% intraday despite weak structure2026-08-05The New India Assurance Company Limited (NSE: NIACL) breaks out, gains 6% intraday2026-07-01The New India Assurance Company Limited (NSE: NIACL) pulls back after breakout, pulls back after moves down 5% intraday2026-06-23The New India Assurance Company Limited (NIACL) breaks out, moves up 11% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) breaks out, moves up 10% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 12% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 12% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 11% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 12% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 13% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 13% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 13% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) breaks out, gains 12% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) breaks out, moves up 12% intraday2026-06-18The New India Assurance Company Limited (NSE: NIACL) clears resistance, moves up 12% intraday2026-06-18
