New India Assurance Company Ltd
Ticker: NIACL
Decent
48/100
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Investing Reference
Price
188.52
Market Cap
31068.10
Debt/Equity
0.0000
ROE %
3.613
PB
1.0698
Promoter %
85.437
Pledge %
0.000
1Y Rev Growth %
0.320
5Y Rev Growth %
6.965
NP Margin %
2.376
NP Margin 5Y Avg %
2.599
Trading Reference
1M Return %
-2.692
6M Return %
16.854
1Y Return %
-11.622
% Away 52W High
17.653
% Away 52W Low
39.027
Daily Volume
332970
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 33/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
New India Assurance Company Ltd is currently trading near its support level, showing potential for upward movement towards the resistance level in the medium term. The recent volume trends indicate increased buying interest, which could further support a bullish outlook. However, if the stock fails to hold above the support, there is a risk of a downward trend.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
New India Assurance Company Ltd is a leading general insurance provider in India, catering to individuals, businesses, and institutions. With a legacy of over 100 years, it offers a wide range of insurance products, ensuring financial security and peace of mind for its customers. The company's commitment to customer service and innovation makes it a trusted choice in the insurance sector. Its extensive network and strong financial backing further enhance its reliability, making it essential for anyone seeking comprehensive insurance solutions.
- Established in 1919, with a rich heritage.
- Offers diverse insurance products for all needs.
- Strong financial stability and backing.
- Extensive branch network across India.
- Customer-centric approach and support.
Investment Thesis
New India Assurance Company Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This positions the company for sustained growth and profitability in a competitive market.
- Strong backing from the Government of India ensures stability and trust.
- Significant investments in digital services are driving customer engagement and operational efficiency.
- Valuation metrics indicate that the stock is undervalued compared to industry peers, offering a compelling entry point.
- Consistent track record of profitability and market leadership in the insurance sector.
- Potential for growth in the underpenetrated Indian insurance market presents long-term opportunities.
Opportunity vs Risk
Opportunities
- Strong market position in insurance sector
- Growing demand for insurance products
- Government support for insurance penetration
- Potential for digital transformation
- Expansion into untapped rural markets
Risks ⚠️
- Regulatory changes impacting profitability
- Increased competition from new entrants
- Economic downturn affecting premium collections
- Natural disasters leading to higher claims
- Investment portfolio volatility risks
Peer Perspective
New India Assurance trades at a discount to peers like HDFC ERGO and ICICI Lombard, reflecting concerns over margin stability; a sustained improvement in underwriting performance could trigger a rerating.
Future Outlook
New India Assurance Company Ltd is well-positioned for growth, driven by its robust market presence and strategic initiatives. Successful execution of cost control measures will be key to enhancing profitability and shareholder value.
AI FAQs for Retail Users
- Q: What does New India Assurance Company Ltd do?A: It provides various insurance products, including health, motor, and property insurance.
- Q: Is New India Assurance a public company?A: Yes, it is a publicly traded company listed on Indian stock exchanges.
- Q: What factors influence the stock price?A: Stock price can be influenced by company performance, market trends, and regulatory changes.
- Q: How can I invest in New India Assurance?A: You can invest through a brokerage account by purchasing shares on the stock exchange.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company-specific performance issues.
📊 Stock Investment Checklist (100 Points)
New India Assurance Company Ltd • Updated: 2025-09-18 09:06:32
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10BusinessHighInsurance sector is stable but faces regulatory challenges.
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10GrowthHighModerate revenue growth with some fluctuations in profit.
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10ProfitabilityHighROE and ROCE are decent but not exceptional.
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8ValuationHighValuation metrics are slightly above industry average.
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7BalanceHighManageable debt levels but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but some concerns on disclosures.
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5DriversGoodLimited growth catalysts identified.
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5TechnicalsGoodWeak momentum and low liquidity in trading.
Final Score & Verdict
Score 48 / 100
• Decent
The stock shows moderate potential but lacks strong growth drivers and faces some risks.