New India (NIACL) | Financial Analysis & Statements
The New India Assurance Co. Ltd. Large-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Jun 2025Income Metrics
Revenue
117.0B
Net Income
4.0B
3.43%
EPS (Diluted)
₹2.43
Balance Sheet Metrics
Total Assets
1.1T
Total Liabilities
818.4B
Shareholders Equity
288.6B
Debt to Equity
2.84
Cash Flow Metrics
Free Cash Flow
4.4B
Revenue & Profitability Trend
Quarter Income Flow
Jun 30, 2025
Annual Income Flow
2025
New India Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 440.6B | 442.4B | 418.3B | 365.3B | 336.0B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 2.1B | 1.5B | 1.3B | 1.1B | 1.1B |
| Other Operating Expenses | 6.3B | 15.8B | 12.0B | 10.5B | 13.9B |
| Total Operating Expenses | 8.3B | 17.4B | 13.3B | 11.6B | 14.9B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | 1.0B | 601.0M | 373.1M | 343.5M | 247.7M |
| Other Non-Operating Income | 1.6B | 389.5M | 1.1B | 127.3M | 831.0M |
| Pre-tax Income | 10.2B | 14.1B | 12.6B | 1.8B | 20.6B |
| Income Tax | 502.8M | 3.2B | 2.0B | -3.1M | 4.3B |
| Effective Tax Rate % | 4.9% | 22.7% | 15.5% | -0.2% | 21.0% |
| Net Income | 10.4B | 10.9B | 10.6B | 1.8B | 16.3B |
| Net Margin % | 2.4% | 2.5% | 2.5% | 0.5% | 4.8% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹6.29 | ₹6.77 | ₹6.36 | ₹1.18 | ₹9.95 |
| EPS (Diluted) | ₹6.29 | ₹6.77 | ₹6.36 | ₹1.18 | ₹9.95 |
| Basic Shares Outstanding | 1648000000 | 1648000000 | 1648000000 | 1648000000 | 1648000000 |
| Diluted Shares Outstanding | 1648000000 | 1648000000 | 1648000000 | 1648000000 | 1648000000 |
Income Statement Trend
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New India Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 177.1B | 143.2B | 124.1B | 126.3B | 117.9B |
| Short-term Investments | 35.2B | 28.7B | 29.8B | 11.9B | 5.7B |
| Accounts Receivable | 55.6B | 64.9B | 60.9B | 69.7B | 72.7B |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 2.2B | 2.3B | 2.3B | 2.3B | 2.3B |
| Goodwill | 961.7M | 305.8M | 1.4B | 1.4B | 1.5B |
| Intangible Assets | 682.1M | 26.3M | 18.2M | 12.5M | 126.7M |
| Long-term Investments | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 1.1T | 1.1T | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 12.2B | 11.5B | 10.7B | 13.9B | 15.7B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 807.3B | 797.8B | - | - | - |
| Equity | |||||
| Common Stock | 8.2B | 8.2B | 8.2B | 8.2B | 8.2B |
| Retained Earnings | 0 | 0 | 0 | 0 | - |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 290.4B | 283.5B | 259.2B | 258.6B | 256.0B |
| Key Metrics | |||||
| Total Debt | 0 | 0 | 0 | 0 | 0 |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
New India Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | - | - | - | - | - |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | - | - | - | - | - |
| Working Capital Changes | 0 | 0 | 0 | 0 | 0 |
| Operating Cash Flow | - | - | - | - | - |
| Investing Activities | |||||
| Capital Expenditures | -1.1B | -514.8M | -725.4M | -960.6M | -490.1M |
| Acquisitions | - | - | - | - | - |
| Investment Purchases | -274.3B | -267.4B | -142.5B | -104.9B | -125.1B |
| Investment Sales | 270.4B | 287.0B | 153.9B | 102.2B | 82.2B |
| Investing Cash Flow | 46.9B | 68.8B | 53.8B | 48.3B | -6.0B |
| Financing Activities | |||||
| Share Repurchases | 0 | 0 | - | - | - |
| Dividends Paid | - | - | - | - | - |
| Debt Issuance | 0 | 0 | 0 | 0 | 0 |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 0 | 0 | 0 | -56.6M | 768.0M |
| Free Cash Flow | -35.1B | -47.4B | -59.5B | -41.7B | 6.8B |
| Net Change in Cash | 46.9B | 68.8B | 53.8B | 48.2B | -5.2B |
Cash Flow Trend
New India Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
22.67
Forward P/E
11.45
Price to Book
0.62
Price to Sales
0.56
PEG Ratio
2.53
Profitability Ratios
Profit Margin
2.47%
Operating Margin
4.57%
Return on Equity
3.57%
Return on Assets
0.94%
Financial Health
Debt to Equity
0.00
Beta
0.99
Per Share Data
EPS (TTM)
₹7.24
Book Value per Share
₹265.81
Revenue per Share
₹292.89
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| NIACL | 270.5B | 22.67 | 0.62 | 3.57% | 2.47% | 0.00 |
| ICICI Lombard | 902.3B | 32.76 | 5.61 | 17.85% | 10.26% | 0.00 |
| Star Health | 303.9B | 67.30 | 3.94 | 9.08% | 2.58% | 6.18 |
| HDFC Bank Limited | 12.1T | 17.85 | 2.18 | 13.82% | 26.83% | 1.04 |
| State Bank of India | 10.2T | 12.01 | 1.72 | 15.36% | 22.50% | 1.12 |
Financial data is updated regularly. All figures are in the company's reporting currency.




