This Insurance Stock is in focus as it surged by 15.12 percent following its Q4 FY25 Results, with robust performance reporting an impressive increase of 1,484.61 percent increase in Net Profits on a QoQ basis. The company also reported strong Operational Numbers.
With a market capitalization of Rs. 16,481 Crore, the stock of Niva Bupa Health Insurance Company opened at Rs. 86.51, up 6.71 percent from its yesterday’s close, and after opening, it made a high of Rs. 93.33, up 15.12 percent.
Q4 FY25 Financial Highlights
The company reported an 18.65 percent YoY increase in total revenue from Rs. 1,319 Crore in Q4FY24 to Rs. 1,565 Crore in Q4FY25. On a QoQ basis, the company reported an increase of 26.20 percent in total revenue from Rs. 1,240 Crore in the previous quarter.
Their Net profit saw an increase of 31.21 percent YoY from Rs. 157 Crore to Rs. 206 Crore for the same period. On a QoQ basis, the company reported an impressive increase of 1,484.61 percent in Net profit from Rs. 13 Crore in the previous quarter.
The significant increase in Net Profit can be attributed to an Increase in the Net Premium earned on a QoQ basis and reversal of Non-insurance expenses in Q4 worth Rs 48.41 Crore, compared to a positive number in Q3 of FY25
The company, with its focus on automation and digitization initiatives across the value chain, has achieved a significant reduction in its Expense of Management, which dropped from 39.3 percent in FY24 to 37.4 percent in FY25. The Solvency Ratio improved from 2.55 in FY24 to 3.03 in FY25. The company has increased its Retail Health Market Share from 9.10 percent in FY24 to 9.40 percent in FY25. Gross NPA stood at 0.66 percent for FY25 compared to 1.15 percent for FY24, The Company does not have any Net NPA.
The company further stated that they have a strong commitment towards a seamless claim experience and that they have improved their Claims Settlement Ratio from 91.90 percent in FY24 to 92.40 percent in FY25.
About the Company
Niva Bupa Health Insurance (originally launched as Max Bupa Health Insurance) was founded in 2008. The company is headquartered in New Delhi. It began operations as a joint venture between Max India Limited and Bupa, a UK-based healthcare services group, before later transitioning to its current structure with True North as the Indian partner.
The company offers a broad portfolio that includes individual and family floater health insurance plans, critical illness covers, top-up policies, personal accident covers, and wellness-focused insurance products. The company has 212 Branches, 180,905 Individual agents, 103 Banca & Other Corporate Agency Partners, and 540 Brokers
Written By Abhishek Das
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