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Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Company (NIVABUPA) investor relations material
Niva Bupa Health Insurance Company Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary29 Jan, 2026
Executive summary
Nine-month growth rate reached 26% overall and 33% in retail, with PAT at INR 208 crore and retail market share rising to 10%; GWP for 9M'FY2026 was ₹6,309 crore, up 25.9% year-over-year.
Retail Health market share reached 10.0% for 9M'FY2026, with a renewal rate of 91.8% and a Weighted Episodal NPS of 58, up 5 points year-over-year.
Unaudited standalone financial results for the quarter and nine months ended December 31, 2025, were approved by the Board and reviewed by joint statutory auditors, who issued an unmodified conclusion.
The company completed its IPO in November 2024, raising ₹80,000 lakhs, fully utilized by December 31, 2025, to augment capital and maintain solvency.
Recognized as a Great Place to Work for the sixth consecutive year and awarded Best Insurance Campaign at FICCI Insurance Industry Awards.
Financial highlights
Profit after tax (PAT) for nine months increased 74% year-over-year to INR 208 crore; GWP for 9M'FY2026 was ₹6,309 crore, up 25.9% year-over-year.
Combined ratio for nine months improved by 50 bps to 102.9% (102.6% excluding one-off wage code impact); CISR improved to 102.9% from 103.4% year-over-year.
Retail loss ratio for nine months was 66.9%, slightly better than last year’s 67%.
Expense of management (EOM) ratio improved to 35% from 39% year-over-year; EOM as % of GWP at 35.0% for 9M'FY2026.
AUM grew to ₹8,927 crore, with an annualized investment yield of 7.3%; solvency ratio at 2.49.
Outlook and guidance
Management expects continued compliance with regulatory EOM requirements and sees no solvency challenges ahead.
Pricing discipline will be maintained with annual high single-digit increases to offset medical inflation.
Indian economy projected to grow by 7.4% in FY2026, supporting continued insurance sector expansion.
Structural reforms and GST exemption on retail life & health insurance expected to further accelerate market penetration.
Financial results for the quarters are not indicative of full-year performance due to industry seasonality.
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Next Niva Bupa Health Insurance Company earnings date
Q4 25/268 May, 2026
Niva Bupa Health Insurance Company
Next Niva Bupa Health Insurance Company earnings date
Q4 25/268 May, 2026
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