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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Company (NIVABUPA) investor relations material
Niva Bupa Health Insurance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary4 Nov, 2026
Executive summary
H1 FY27 GWP was ₹4,634 crore with 1/n, up 33.4% YoY; excluding 1/n, GWP was ₹5,004 crore, up 26%.
H1 PAT rose to ₹273.4 crore from ₹132.0 crore; H1 insurance revenue was ₹4,686.0 crore.
CISR improved to 99.5% from 103.1%, while retail health market share increased to 11.0% from 9.9%.
Weighted Episodal NPS reached 63, up 6 points YoY; H1 claims settlement ratio was 95.6%.
Results were prepared under Ind AS adopted from April 1, 2026; auditors issued an unmodified review conclusion.
Financial highlights
H1 insurance revenue was ₹4,686.0 crore vs ₹3,667.7 crore; insurance service result was ₹226.9 crore vs ₹53.1 crore YoY.
H1 PBT was ₹365.3 crore vs ₹179.7 crore; PAT was ₹273.4 crore vs ₹132.0 crore.
Q2 insurance revenue was ₹2,412.3 crore vs ₹1,899.1 crore; PAT was ₹135.6 crore vs ₹60.5 crore YoY.
H1 total investment income was ₹357.2 crore vs ₹312.7 crore; net other income and expense was a loss of ₹218.8 crore vs ₹186.2 crore.
Q2 total comprehensive income was a loss of ₹2.87 crore, including ₹138.51 crore of negative OCI, primarily from fair-value changes in debt instruments.
Outlook and guidance
October overall and retail growth remained in the 30s despite a stronger prior-year base; management expected the trend to continue.
Management expects investment yield of 7.4%-7.5% to remain sustainable, supported by higher-yielding fresh investments.
Strategic priorities include profitable granular growth, diversified digital-led distribution, technology and analytics, and disciplined underwriting and claims management.
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Latest events from Niva Bupa Health Insurance Company
- Premium growth and stronger solvency, with EOM approval and claims costs key watchpoints.NIVABUPA
Q4 23/24 - Premium grew 45%, profit returned, and EOM forbearance approval remains pending.NIVABUPAQ4 22/23
- Premium grew 41% and solvency reached 2.09x, but underwriting losses widened.NIVABUPAQ4 20/21
- Premium surged 60%, but rising costs and claims deepened the FY22 loss.NIVABUPAQ4 21/22
- Premiums grew 28%, losses narrowed, and solvency strengthened to 2.16x.NIVABUPAQ4 15/16
- Premium growth and a return to profit came alongside a wider underwriting loss and higher reinsurance.NIVABUPAQ4 17/18
- Premiums grew 31%, but higher costs and provisions widened the FY20 net loss.NIVABUPAQ4 19/20
- Premium growth reached 26%, while underwriting losses widened and FY19 ended in a net loss.NIVABUPAQ4 18/19
- Premiums grew 25% as losses narrowed, with results aided by major accounting and expense adjustments.NIVABUPAQ4 16/17
Next Niva Bupa Health Insurance Company earnings date
Q3 26/2728 Jan, 2027
Niva Bupa Health Insurance Company
Next Niva Bupa Health Insurance Company earnings date
Q3 26/2728 Jan, 2027
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