Press Release- Audited financial results for the quarter and financial year ended March 31, 2026.

Pat Growth 25pctEbitda Margin ExpansionResults View source PDF Explain this filing

NIVABUPA · price

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Price reactionminutes from the announcement price · days from the prior close

+3.0%Reaction day

₹81.29

prior close

₹84.40

announcement price

After-mkt

timing

Nifty Smallcap 250market · index membership as recorded later (tracked since Jun 2026)-1.1%+4.0% vs market

General Insurance peers, median of 5sector-0.0%+3.0% vs sector

On the reaction day the stock moved 4.0 pts more than Nifty Smallcap 250 and 3.0 pts more than its General Insurance peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

+3.8

10m

+4.9

15m

+3.8

30m

+3.7

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+3.0-1.1+4.0-0.0+3.0

Next day

+2.8-4.0+6.8-1.9+4.7

+1.5-3.7+5.2-1.6+3.1

-1.4-3.7+2.3+0.6-2.0

-1.6-4.1+2.5+0.6-2.2

-1.6-5.5+3.9-1.0-0.6

+0.4-4.4+4.7-0.4+0.7

15d

+3.3-2.8+6.1-4.0+7.3

+1.7-4.6+6.2-5.5+7.2

+8.4+4.2+4.2-1.8+10.1

+4.9+5.4-0.5-9.8+14.8

UpDownMarket · Nifty Smallcap 250Sector · General Insurance peers, median of 5Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Niva Bupa Health Insurance reported FY26 IFRS PAT of ₹366 crore, up 80% YoY, driven by scale efficiencies and improved operating performance. Gross Written Premium grew 27% YoY to ₹8,586 crore (with 1/n), while Q4FY26 GWP stood at ₹2,880 crore (with 1/n), up 39% YoY. The company's Combined Insurance Service Ratio (CISR) improved 160 bps to 101.4% for FY26, with Q4FY26 CISR at 97.4%, signalling a clear trajectory toward underwriting profitability. Market share improved to 10.1% (up 76 bps), Claim Settlement Ratio rose to 94.4% (up 205 bps), and NPS improved to +60 from +55 a year ago.

Likely market impact

The 80% PAT growth and improving CISR trajectory indicate strong operational leverage and suggest the company is on a sustainable profitability path, which should be positively viewed by investors.