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INVESTMENT INSIGHTS

Check Before You Invest : Star Health and Allied Insurance Company Ltd

BSE: 543412 NSE: STARHEALTH ISIN: INE575P01011

| Sector: BFSI | Industry: Insurance

Snapshot

Q.1 Which industry/sub-sector does Star Health and Allied Insurance Company Ltd belong to?

Star Health and Allied Insurance Company Ltd belongs to the BFSI sector, operating specifically within the Insurance segment.

Q.2 Is Star Health and Allied Insurance Company Ltd a good quality company?

Star Health and Allied Insurance Company Ltd is a good quality company, based on a consistently good 0-year financial track record.

Q.3 Is Star Health and Allied Insurance Company Ltd undervalued or overvalued?

Star Health and Allied Insurance Company Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Star Health and Allied Insurance Company Ltd a good buy now?

Star Health and Allied Insurance Company Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Debt to Equity ratio of Star Health and Allied Insurance Company Ltd?

Star Health and Allied Insurance Company Ltd Debt-to-Equity ratio is 0.07, which is above with the industry average of , indicating higher debt levels in the industry.

Q.2 Debt to cash flow from operations of Star Health and Allied Insurance Company Ltd?

Star Health and Allied Insurance Company Ltd Debt to cash flow from operations is 0.34, which is at a healthy level.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Star Health and Allied Insurance Company Ltd?

Promoters hold 57.98% of the Star Health and Allied Insurance Company Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of Star Health and Allied Insurance Company Ltd vs industry peers?

Star Health and Allied Insurance Company Ltd revenue CAGR is %, compared to the industry median CAGR of 13.25%, indicating slower growth and losing its market share.

Profit Metrics

	Current Level	0-year Industry Median
Revenue Growth	-	13.3
Gross Profit Growth	0	-
Operating Profit Growth	0	-
Net Profit Growth	-23.6	-

Operating Efficiency

	Current Level	0-year Industry Median
Asset Turnover	2.04	-
ROE	-	-
ROCE	-	-
Cash Conversion Cycle (days)	-	-

Valuation & price assessment

Q.1 Stock return of Star Health and Allied Insurance Company Ltd over the last decade?

Over the last 3 year(s), the stock has delivered a CAGR of -4.69% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	-4.7%	39.1%

Q.3 Valuation ratios of Star Health and Allied Insurance Company Ltd vs historical?

The current P/E is higher that its historical median.

Q.4 How do the current valuation ratios compare with 0-year historical median and industry numbers?

Valuation Ratios	Current	0-year Historic Median	0-year Industry Median
Price to Earnings	55.42	15.83	-
Price to Book	4.07	2.07	-
Price to Sales	1.86	11.74	-
EV to EBITDA	40.49	17.30	-

Check more companies

1. Star Health & Allied

2. Go Digit General Ins

3. New India Assurance

4. Niva Bupa Health Ins

5. Canara HSBC Life Ins

6. PNB Met Life India

7. Reliance General Ins

8. Indiafirst Life Ins

Check trending companies

1. Force Motors Ltd.

2. KEI Industries Ltd.

3. Aadhar Housing Finance Ltd.

4. State Bank Of India

5. Power Finance Corporation Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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What Makes MoneyWorks4Me Different

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As SEBI-registered IAs, we are legally and ethically bound to act in the best interests of our clients. We do not sell or distribute any financial products. This ensures our guidance is 100% unbiased and conflict-free.
Deep fundamental research + robust valuation discipline.
Built on more than 15 years of equity research, our framework combines quality assessment, intrinsic value estimation, and a sensible margin-of-safety approach.
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We don’t rely on guesswork or market timing. Instead, we focus on asset allocation, risk management, and long-term compounding.
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We believe a combination of both is essential for investing success. We constantly innovate and upgrade in-house tools, financial X-rays, and portfolio analytics so that our team of analysts and advisors are equipped with the best.
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We follow a DIWM (Do-It-With-Me) approach where we partner clients in setting goals, financial planning, educating on our investing process and share decision-enabling resources transparently with our clients who retain control on execution.

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Periodic review and rebalancing
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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
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