Ask the chart: “Has this stock recovered from similar drawdowns before?”
AI equity note (bull/bear, numbers, sources) — coming soon
Management guidance consistency — coming soon
Latest filings
NSE announcements · newest firstNo filings on record for NIACL yet.
Key MetricsFull financials →
P/E (TTM)
40.6×
EPS ₹4.35
P / Book
1.19×
BVPS ₹149
ROE
5.7%
FY26, avg equity
Net margin
2.8%
FY26
Revenue YoY
+2.9%
Q1 FY27
Net profit YoY
−162.2%
Q1 FY27
Debt / equity
0.00×
₹0 Cr debt
Div. yield
0.85%
₹1.50 in 12 months
From NSE filings (consolidated) and the last close.
Shareholding Pattern Jun 2026
Promoter pledge: none reported
Peer Comparison
| Company | P/E | P/B | ROE | Margin |
|---|---|---|---|---|
| ICICIGI₹77,572 Cr | 31.9× | 4.57× | 17.8% | 9.1% |
| GICRE₹59,211 Cr | 6.7× | 0.97× | 17.9% | 21.8% |
| STARHEALTH₹32,842 Cr | 59.0× | 4.33× | 7.6% | 3.0% |
| NIACL₹29,104 Cr | 40.6× | 1.19× | 5.7% | 2.8% |
| GODIGIT₹23,457 Cr | 47.6× | 4.95× | 12.1% | 4.8% |
| NIVABUPA₹14,261 Cr | 109.0× | 3.75× | 3.4% | 1.5% |
General Insurance: the companies closest in market value, of the 6 in that basic industry whose filings we hold. Computed from each company's NSE filings (up to Q1 FY27) and the last close; hover a column for its definition.
Forensic Flags3 Watch
Operating cash flow was -3.41× net profit
Cumulative over FY25–FY26 (2 years).
Free cash flow was negative in 2 of the last 2 years
Operating cash flow less capital expenditure, as filed.
Effective tax rate averaged -3%
Tax over pre-tax profit, last 2 years. The base corporate rate is about 25%.
7 checks within their thresholds
Debt to equity is 0.00×
As at 2026-06-30.
Other income is 0% of profit before tax
FY26.
Exceptional items above 5% of pre-tax profit in 0 of the last 2 years
FY25–FY26.
Promoter holding is 85.44%, +0.00 points over a year
2026-06-30 against 2025-06-30.
No promoter shares are pledged
Shareholding pattern as at 2026-06-30.
No auditor change or resignation filings in three years
From NSE announcements on record.
Results were filed late in 0 of the last 6 quarters
Slowest filing came 50 days after the period end.
Computed from NSE filings (consolidated). Colours follow fixed thresholds, shown on hover. These are facts about the filings, not advice. 3 checks not run for lack of data.
Formula Scores
Piotroski F-score: not computed · FY to 2026-03-31the tests use working capital and gross margin, which a bank's or insurer's statements do not have
Altman Z-score: not computed · FY to 2026-03-31not defined for a bank's or insurer's balance sheet
Graham number: 169.75 ₹ per share · FY to 2026-03-31√(22.5 × earnings per share × book value per share): the price at which P/E × P/B = 22.5 (a P/E of 15 at a P/B of 1.5)
- earnings per share: 8.57
- book value per share: 149.43 — owners' equity over shares (paid-up capital / face value)
Inputs: earnings per share 8.57 (2026-03-31) · owners' equity ₹24,626 Cr (2026-03-31) · paid-up capital ₹824 Cr (2026-03-31) · face value 5 (2026-03-31)
a number the book uses as a ceiling for a defensive investor's purchase price; it is arithmetic on two reported figures, not a valuation
Source: Benjamin Graham, The Intelligent Investor (1949; the 22.5 in the 1973 edition's criteria for the defensive investor)
Sloan accrual ratio: not computed · FY to 2026-03-31operating cash flow is not comparable for a bank or insurer
Each score is its published formula applied to the company's own filings (consolidated); open one for the tests, the inputs and the paper. Arithmetic on the filings, not a view on the stock.