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Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Company (NIVABUPA) investor relations material
Niva Bupa Health Insurance Company Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary30 Jul, 2026
Executive summary
Achieved 31.7% year-over-year growth in Gross Written Premium (GWP) to ₹2,150 crore in Q1 FY27, with Profit After Tax (PAT) nearly doubling to ₹137.8 crore from ₹71.4 crore in Q1 FY26.
Retail Health market share increased to 11.1% for Q1, with Weighted Episodal NPS improving by 5 points to 62.
Transitioned to Ind AS accounting standards for financial reporting, enhancing transparency.
Recognized as a top workplace, ranked 41st among India's Top 100 Great Places to Work 2026.
Board approved fund raising via issuance of up to ₹500 crore in listed, rated, unsecured, subordinated, redeemable, non-convertible debentures.
Financial highlights
GWP rose 31.7% year-over-year to ₹2,150 crore; Retail Health GWP up 47.1% to ₹1,607.1 crore.
Profit after tax for Q1 was ₹137.8 crore, nearly doubling year-over-year.
Combined Insurance Service Ratio (CISR) improved to 100.2% from 103.2% year-over-year.
Claims Settlement Ratio rose to 95.6% from 93.6% year-over-year.
Solvency ratio at 2.25, well above regulatory minimum.
Outlook and guidance
Expect to sustain 8-10 percentage points faster retail health growth than market.
Expense ratios expected to normalize from Q3 as GST base effect stabilizes.
ROE trajectory guided to mid-to-high teens by FY 2029.
CISR expected to remain stable, with no material change anticipated between H1 and H2 barring abnormal infection trends.
Financial results for the quarter are not indicative of full-year performance due to industry seasonality.
Impact of ₹500cr NCD issuance on solvency ratio
Status of IRDAI forbearance for FY25 EOM limits
Basis for ₹12,716 lakh Income Tax demand
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Latest events from Niva Bupa Health Insurance Company
- GWP rose 27.4% to INR 9,433 crore, PAT up 80%, and solvency ratio at 2.49 for FY26.NIVABUPA
Q4 25/26 - GWP up 25.9% YoY, PAT at ₹208 crore, market share at 10%, solvency strong.NIVABUPAQ3 25/26
- H1 FY26 saw 23% GWP growth, doubled PAT, and GST cut drove a surge in retail demand.NIVABUPAQ2 25/26
- Net loss of ₹9,144 lakhs on 11.46% premium growth, with high combined ratio and regulatory risks.NIVABUPAQ1 24/25
- Gross premium up 36%, IFRS profit more than doubled, but regulatory risks remain.NIVABUPAQ2 24/25
- Strong GWP and profit growth, higher retail health share, and robust solvency post-IPO.NIVABUPAQ3 24/25
- 32% GWP growth, PAT up 161%, retail share at 9.4%, solvency 3.03x, IPO boost.NIVABUPAQ4 24/25
- GWP up 28% YoY, IFRS PAT nearly doubled, but combined ratio rose with new accounting.NIVABUPAQ1 25/26
Next Niva Bupa Health Insurance Company earnings date
Q2 26/274 Nov, 2026
Niva Bupa Health Insurance Company
Next Niva Bupa Health Insurance Company earnings date
Q2 26/274 Nov, 2026
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
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@theshortbearx.com
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