The New India Assurance Co Ltd Stock Price Today (NSE: NIACL)
Fundamental Score
The New India Assurance Co Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
The New India Assurance Co Ltd share price today is ₹152.23, up +0.00% on NSE/BSE as of 17 February 2026. The New India Assurance Co Ltd (NIACL) is a Large-cap company in the General Insurance sector with a market capitalisation of ₹27.90K (Cr). The 52-week high for NIACL share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 24.01x, NIACL is currently trading below its industry average P/E of 44.24x. The company has a Return on Equity (ROE) of 3.64% and a debt-to-equity ratio of 0.00.
The New India Assurance Co Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
The New India Assurance Co Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
The New Assurance Co Share Price: A Financial Analysis
In the fragmented general insurance landscape, a critical success factor is maintaining pricing discipline amidst fierce competition. This analysis examines The New Assurance Co share price, currently at ₹149.70, through a financial lens, considering its valuation and profitability relative to its peers. A key aspect of this analysis is a 80-parameter fundamental audit verified by Sweta Mishra.
The company's PE ratio of 24.01 suggests the market anticipates future earnings growth. However, this needs to be viewed in the context of sector peers, such as
General Insurance Corporation of India, and the overall industry growth rate. A qualitative comparison of management quality between The New India Assurance Co Ltd and General Insurance Corporation of India could provide further insight into the sustainability of this valuation.A particularly noteworthy metric is The New Assurance Co's Return on Capital Employed (ROCE) of 3.59%. ROCE is a critical indicator of how efficiently a company deploys capital to generate profits. A lower ROCE, compared to its cost of capital, may suggest challenges in creating a significant economic moat. In the competitive insurance sector, a strong moat – stemming from factors like brand recognition, efficient operations, or specialized expertise – is vital for sustained profitability and market share.
The relatively low ROCE raises questions about the company's competitive advantages and ability to consistently generate superior returns. While the current The New Assurance Co share price reflects investor sentiment, further investigation is warranted to assess the underlying drivers of profitability and the potential for future improvement. This includes analyzing its expense ratio, claims ratio, and investment performance, especially when benchmarked against companies like
Niva Bupa Health Insurance Company Ltd and Go Digit General Insurance Ltd. These figures offer a deeper understanding of the insurance firm's efficiency and risk management.Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
The New India Assurance Co Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of NIACL across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Attractive Valuation (P/E: 24.01 vs Industry: 44.24)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Strong Revenue Growth (24.70%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (3.64%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (3.59%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (2.88%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-39.73%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Weak Earnings Growth (-6.32% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-6.32% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Negative Free Cash Flow (₹-17566.79 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (85.44% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
The New India Assurance Co Ltd Financial Statements
Comprehensive financial data for The New India Assurance Co Ltd including income statement, balance sheet and cash flow
About NIACL (The New India Assurance Co Ltd)
The New India Assurance Co Ltd (NIACL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the General Insurance sector with a current market capitalisation of ₹27.90K (Cr). The New India Assurance Co Ltd has delivered a Return on Equity (ROE) of 3.64% and a ROCE of 3.59%. The debt-to-equity ratio stands at 0.00, reflecting the company's capital structure. Investors tracking NIACL share price can monitor key metrics including P/E ratio, promoter holding of 85.44%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
NIACL Share Price: Frequently Asked Questions
What is the current share price of The New India Assurance Co Ltd (NIACL)?
As of 17 Feb 2026, 10:17 am IST, The New India Assurance Co Ltd share price is ₹152.23. The NIACL stock has a market capitalisation of ₹27.90K (Cr) on NSE/BSE.
Is NIACL share price Overvalued or Undervalued?
NIACL share price is currently trading at a P/E ratio of 24.01x, compared to the industry average of 44.24x. Based on this relative valuation, the The New India Assurance Co Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of NIACL share price?
The 52-week high of NIACL share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the The New India Assurance Co Ltd share price?
Key factors influencing NIACL share price include quarterly earnings growth (Sales Growth: 24.70%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is The New India Assurance Co Ltd a good stock for long-term investment?
The New India Assurance Co Ltd shows a 5-year Profit Growth of -6.32% and an ROE of 3.64%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing in NIACL shares.
How does The New India Assurance Co Ltd compare with its industry peers?
The New India Assurance Co Ltd competes with major peers in the General Insurance. Investors should compare NIACL share price P/E of 24.01x and ROE of 3.64% against the industry averages to determine competitive standing.
What is the P/E ratio of NIACL and what does it mean?
NIACL share price has a P/E ratio of 24.01x compared to the industry average of 44.24x. Investors pay ₹24 for every ₹1 of annual earnings.
How is NIACL performing according to Bull Run's analysis?
NIACL has a Bull Run fundamental score of 35.3/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does NIACL belong to?
NIACL operates in the General Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting The New India Assurance Co Ltd share price.
What is Return on Equity (ROE) and why is it important for NIACL?
NIACL has an ROE of 3.64%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently The New India Assurance Co Ltd generates profits from shareholders capital.
How is NIACL debt-to-equity ratio and what does it indicate?
NIACL has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk.
What is NIACL dividend yield and is it a good dividend stock?
NIACL offers a dividend yield of 1.06%, meaning you receive ₹1.06 annual dividend for every ₹100 invested in The New India Assurance Co Ltd shares.
How has NIACL share price grown over the past 5 years?
NIACL has achieved 5-year growth rates of: Sales Growth 8.87%, Profit Growth -6.32%, and EPS Growth -6.32%.
What is the promoter holding in NIACL and why does it matter?
Promoters hold 85.44% of NIACL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in The New India Assurance Co Ltd.
What is NIACL market capitalisation category?
NIACL has a market capitalisation of ₹27901 crores, placing it in the Large-cap category.
How volatile is NIACL stock?
NIACL has a beta of N/A. A beta > 1 suggests the The New India Assurance Co Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is NIACL operating profit margin trend?
NIACL has a 5-year average Operating Profit Margin (OPM) of 2.88%, indicating the company's operational efficiency.
How is NIACL quarterly performance?
Recent quarterly performance shows The New India Assurance Co Ltd YoY Sales Growth of 24.70% and YoY Profit Growth of -39.73%.
What is the institutional holding pattern in NIACL?
NIACL has FII holding of 1.01% and DII holding of 11.18%. Significant institutional holding often suggests professional confidence in the The New India Assurance Co Ltd stock.