| Revenue growth | 2.9% YoY GWP growth. |
|---|---|
| Margins | Combined ratio deteriorated to 121.44% from 116.16% YoY. |
| Demand visibility | Muted GWP growth; industry-wide property premium crash. |
| Management confidence | Cautious; focused on changing business mix to retail/MSME. |
Growth
GWP rose 2.9% to ₹13,720 Cr; however, PAT turned to a loss of ₹257 Cr from a ₹391 Cr profit YoY.
Outlook
Focusing on retail and MSME segments; investment assets stand at ₹99,980 Cr with a healthy 1.80x solvency ratio.
Risks
Significant spike in Motor TP loss ratio and a 27.8% crash in industry property premiums.
Last quarter's promises, checked
Delivered
- Guided double digit overall growth → delivered 10.9% domestic growth (= BEAT)
- Guided Health/PA as growth driver → delivered 66% of overall growth from Health (= BEAT)
- Guided focus on MSME/Retail → delivered 25% growth in MSME premium (= BEAT)
Partly delivered
- Guided single digit Motor growth → delivered 2% Motor OD growth (= PARTIAL)
Missed
- Guided double digit industry growth → delivered 2.9% GWP growth (= MISS)
- Guided PAT improvement → delivered ₹257 Cr loss vs ₹391 Cr profit YoY (= MISS)
- Guided improving loss ratios → delivered combined ratio 121.44% vs 116.16% (= MISS)
Investor Presentation filed with NSE, NSE: NIACL. Summary written with AI assistance from the document.
The New India Assurance Company Ltd: key numbers
- Share price
- ₹160.72
- Market cap
- ₹26,487 Cr
- Revenue (annual)
- ₹49,758 Cr
- Net profit (annual)
- ₹1,412 Cr
- P/E (TTM)
- 34.4×Sector 21.9×
- Promoter holding
- 85.44%+0.00% QoQ
- FII holding
- 1.02%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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