The New India Assu Co Ltd

NIACL NSE Financial Services General Insurance
Nifty 500 Midcap 150 LargeMid 250
₹198.39
+0.53%
Delayed · cached 15 min

Fair value analysis

NIACL
The New India Assu Co Ltd
Financial Services›General Insurance
₹197.35
Close used for this calculation
₹179.61Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
20/100
Profitability13/25
Returns0/25
Balance Sheet3/25
Efficiency4/25
Growth6/25
Weak
Quality radar
20Prof.13/25Ret.0/25Eff.4/25B.Sht3/25Growth6/25

Consensus fair value

₹179.61
Near FV
▼ -9.0% against the close used
Model range ₹46.02 – ₹350.08
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹46.02Fair value₹179.61Bull₹350.08
FairClose
52-week traded range
52W low ₹117.8252W high ₹231.20

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

The New India Assu Co Ltd closed at ₹197.35, 9.9% above the consensus fair value of ₹179.61 drawn from 9 valuation models.

Financial DNA score 20/100 — Weak. P/E of 42.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹170.11
-13.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹134.29
-32.0%
√(22.5 × EPS × BVPS)
EPS=8.57, BVPS=93.53 · outside Graham range (P/E 42.5, P/B 2.1) — asset-light, treat as a rough floor
Graham Formula
₹234.76
+19.0%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=10.5%, FD=7%
P/E Fair Value
₹350.08
+77.4%
EPS × 40.85x (sector P/E)
EPS=8.57, Sector P/E=40.85x
Peter Lynch (PEG)
₹89.99
-54.4%
EPS × Growth% (PEG = 1 is fair)
EPS=8.57, g=10.5%
EV/EBITDA
₹46.67
-76.4%
(EBITDA × 15.3x − Net Debt) ÷ Shares
EBITDA=5.07B
Book Value (P/B)
₹46.02
-76.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=93.53, ROE=4.9%, g=6%, r=10%
Reverse DCF
₹197.35
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 9% | Historical: 10.5%
Margin of Safety
₹166.73
-15.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=222.31, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.