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Star Health and Allied Insurance Company Ltd (STARHEALTH)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543412 NSE: STARHEALTH Insurance | Small Cap | Star Health & Allied Share Price
₹578.25 2.70 (0.47%)
As on 21-Aug'26 16:59
Star Health and Allied Insurance Company Ltd (STARHEALTH)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543412 NSE: STARHEALTH Insurance | Small Cap | Star Health & Allied Share Price
₹578.25 2.70 (0.47%)
As on 21-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹34,037 Cr.
Current Price
₹578.3
52-Week Low / High
₹417 / 624
TTM EPS
₹14.3
TTM Sales
₹17,576 Cr.
Book Value per Share
₹172.3
P/E Ratio
40.32
In line with its 5-year historical median
Industry PE
14.7
Price to Book (P/B)
3.36
Lower than its 5-year historical median
Price to Sales (P/S)
1.94
Lower than its 5-year historical median
EV/EBITDA
28.47
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
7.62%
Return on Capital Employed (ROCE)
9.70%
Return on Assets (ROA)
7.14%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Revenue Growth (1 Year)
-
-
Net Profit Growth (1 Year)
Improving versus 3-year growth rate
-13.76%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
7.96%
Asset Quality
Promoter Holding
58.01%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹9,556 Cr.
Equity
₹588.6 Cr.
Face Value
₹10
All Time Low / High
₹330.05 / 940.00
Check Before You Invest
Quality
Very GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Semi Strong
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 multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
DeciZen - make an informed investing decision on Star Health & Allied
Decision Maker
Standalone basis
1. Right Stock
10 Year X-ray Pro
Long Term Prospect
2. Right Price
3. Right Time ⓘ
#Likely Future 5 Year CAGR.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Star Health and Allied Insurance Company Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Value Creation ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 20.5% | 17.1% | 20.5% | 22.9% | -49% | -31% | 14.8% | 17.8% | 12% | 9.7% | - |
| Value Creation Index ⓘ | 0.8 | 0.5 | 0.8 | 1.0 | -5.4 | -3.8 | 0.3 | 0.6 | 0.1 | -0.1 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sales YoY Gr. | - | NA | NA | NA | NA | NA | NA | NA | NA | NA | - |
| Adj EPS ⓘ | 2.6 | 3.7 | 4 | 5.4 | -19.8 | -18.1 | 10.6 | 14.4 | 11 | 9.5 | 14.3 |
| YoY Gr. | - | 44% | 8% | 33.3% | -468.9% | NA | NA | 35.8% | -23.9% | -13.8% | - |
| BVPS (₹) ⓘ | 17.3 | 21.1 | 25.1 | 38.8 | 63.9 | 78.7 | 93.4 | 108.3 | 119.5 | 129 | 172.3 |
| Adj Net Profit ⓘ | 118 | 170 | 183 | 263 | -1,086 | -1,041 | 619 | 845 | 646 | 557 | 844 |
| Cash Flow from Ops. ⓘ | 321 | 557 | 776 | 647 | 890 | 55.6 | 1,276 | 1,310 | 1,379 | 1,873 | - |
| Debt/CF from Ops. ⓘ | 0 | 0 | 0 | 0 | 0 | 13 | 0.4 | 0.4 | 0.3 | 0.3 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | NA | NA | NA | ||||
| Adj EPS ⓘ | 15.5% | NA | -3.8% | -13.8% | ||||
| BVPSⓘ | 25% | 15.1% | 11.4% | 8% | ||||
| Share Price | - | - | -2.2% | 30% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 0 | 0 | 0 | 0 | 0 | -45.2 | 26.9 | 0 | 9.7 | 7.6 | - |
| Op. Profit Mgn % ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - |
| Net Profit Mgn % ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0 | 0 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | - |
| Working Cap Days ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Conv. Cycle ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -115 |
Valuation of Star Health & Allied - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue From Operation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income From Investments | 38 | 59 | 80 | 124 | 173 | 313 | 333 | 443 | 514 | 461 |
| Other Income ⓘ | 0 | 0 | 0 | 0 | 0 | 8 | 6 | 4 | 5 | 2 |
| Operating Expenses | 17 | 26 | 38 | 32 | 104 | 133 | 217 | 47 | 51 | 71 |
| Profit Before Tax | 118 | 171 | 267 | 406 | -1,446 | -1,397 | 826 | 1,129 | 861 | 754 |
| Tax ⓘ | 0 | 1 | 84 | 143 | -360 | -356 | 208 | 284 | 215 | 197 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | 118 | 170 | 183 | 263 | -1,086 | -1,041 | 619 | 845 | 646 | 557 |
| Adjusted EPS (₹) | 2.59 | 3.73 | 4.03 | 5.37 | -19.81 | -18.08 | 10.63 | 14.44 | 10.99 | 9.47 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 456 | 456 | 456 | 491 | 548 | 576 | 582 | 585 | 588 | 588 |
| Reserve and Surplus | 334 | 504 | 687 | 1,413 | 2,951 | 3,953 | 4,848 | 5,754 | 6,434 | 7,000 |
| Fair Value A/C | 0 | 0 | 0 | 1 | -3 | 11 | 9 | 42 | 36 | -14 |
| Borrowings ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Policy Holders Fund | 0 | 0 | 0 | 2 | -4 | 16 | 14 | 61 | 53 | -24 |
| Funds For Appropriations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities ⓘ | 789 | 1,210 | 1,743 | 2,157 | 3,742 | 5,351 | 5,927 | 6,915 | 7,582 | 8,021 |
Assets | ||||||||||
| Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Net block | 77 | 92 | 85 | 90 | 80 | 113 | 101 | 159 | 161 | 172 |
| Total Assets ⓘ | 789 | 1,210 | 1,743 | 2,157 | 3,742 | 5,351 | 5,927 | 6,915 | 7,582 | 8,021 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | 321 | 557 | 776 | 647 | 890 | 56 | 1,276 | 1,310 | 1,379 | 1,873 |
| Cash Flow From Investing Activity ⓘ + | -497 | -663 | -731 | -1,006 | -2,418 | -3,786 | -1,097 | -1,177 | -1,151 | -1,067 |
| Cash Flow From Financing Activity ⓘ + | 310 | 249 | 333 | 122 | 2,613 | 2,509 | -268 | 23 | -4 | -31 |
| Net Cash Flow ⓘ | 134 | 143 | 379 | -237 | 1,086 | -1,221 | -89 | 156 | 224 | 775 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 20.52 | 19.46 | 17.45 | 17.28 | -40.19 | -25.93 | 12.42 | 14.36 | 9.67 | 7.62 |
| ROCE (%) | 20.52 | 17.13 | 20.52 | 22.91 | -48.98 | -31.04 | 14.83 | 17.76 | 12.04 | 9.7 |
| Asset Turnover Ratio | 3.33 | 2.74 | 2.48 | 2.4 | 1.57 | 2.16 | 2 | 2.01 | 2.04 | 2.13 |
| PAT to CFO Conversion(x) | 2.72 | 3.28 | 4.24 | 2.46 | N/A | N/A | 2.06 | 1.55 | 2.13 | 3.36 |
| Working Capital Days | ||||||||||
| Receivable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Star Health and Allied Insurance Company Ltd FAQs
The current trading price of Star Health & Allied on 21-Aug-2026 16:59 is ₹578.2.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 20-Aug-2026 the market cap of Star Health & Allied stood at ₹34,037.2 Cr
The latest P/E ratio of Star Health & Allied as of 20-Aug-2026 is 40.32.
The latest P/B ratio of Star Health & Allied as of 20-Aug-2026 is 3.36.
The 52-week high of Star Health & Allied is ₹624.2 and the 52-week low is ₹416.9.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Star Health & Allied is ₹17,576 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Star Health and Allied Insurance Company Ltd is a good quality company.
The key valuation ratios of Star Health and Allied Insurance Company Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Star Health and Allied Insurance Company Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Star Health and Allied Insurance Company Ltd
Star Health and Allied Insurance Company (Star Health) is India’s first standalone health insurer, with its headquarters in Chennai, Tamil Nadu. The company has played a pivotal role in shaping the health insurance landscape by offering solutions that make coverage widely accessible. Through sustained investment in R&D, with a strong focus on product innovation, it has built a diversified portfolio that provides protection and support to individuals and families across varied customer segments. Star Health holds a leading position in private health insurers segment. The company operates through an extensive nationwide network of health insurance branches and customer touchpoints. It also leverages a multi-channel distribution strategy, including direct online sales through telemarketing and its website.
The company offers plans for individuals, families, senior citizens, and corporate employees. It also offers special policies catering to individuals with diabetes, heart disease, cancer, and children with special needs. Star Health offers coverage for pre-existing diseases (PED) in its Health Insurance plans. Pre-existing diseases are medical conditions that an individual has before buying a policy. PED are covered after the waiting period as mentioned in your policy terms.
Business area of the company
The company is a leading Health Insurance provider in India. The company offers a wide range of Health Insurance plans that cater to the different needs of individuals and families.
Product portfolio
- Retail Health
- Group Health
- Personal Accident
- Travel Insurance
Awards, accreditations and recognitions
- 2014: Awarded the “Claim Leader- Health Insurance” at the Indian Insurance Awards.
- 2015: Awarded the “Best Product Innovation Health Insurance” at the Indian Insurance Awards.
- 2015: Awarded the “Best Health Insurance provider of the year 2015” at the Business TodayMoney Today Financial Awards.
- 2015: Awarded the “Health Insurance Company of the Year” at the Indian Insurance Awards.
- 2016: Recognised as one of “Top 25 Most Innovative Companies” at the CII Industrial Innovation Awards 2016.
- 2016: Awarded the “Best Health Insurer 2016” at the Outlook Money Awards 2016.
- 2016: Awarded the “Most Innovative Service Provider of the Year” at the World HRD Congress, Singapore.
- 2017: Awarded the “NIM CARE W.H.O Award of Excellence” from the President of India.
- 2017: Awarded the “Best Health Insurance provider of the year 2016” award at the Business TodayMoney Today Financial Awards.
- 2018: Awarded the Health Insurance Provider of the Year 2018 silver award at the Outlook Money Awards.
- 2018: Awarded the “Best Health Insurance Provider of the Year 2018” award at the Business Today-Money Today Financial Awards 2018 – 2019.
- 2018: Awarded the “Most Valuable and Admirable Health Insurer” at the Pharmaceutical Leadership Summit and Awards 2018.
- 2018: Awarded the “Health Insurance Company of the Year” award at the Insurance India Summit and Awards 2018.
- 2019: Awarded the “Health Insurance Company of the year 2019” at the India Insurance Summit and Awards 2020;
- 2019: Awarded the “Best Health Insurance Provider of the Year 2019” at the Business TodayMoney Today awards.
- 2019: Awarded the Vajra Award for recognition of overall performance in labour welfare for the year 2018 by the State Government of Kerala.
- 2020: Recognised as India’s leading health insurance company at the Dun & Bradstreet BFSI Summit & Awards, 2020.
- 2021: Awarded “Dream Companies to Work for Insurance- Private Sector” at the World HRD Congress.
- 2021: Awarded under the category of “Most Innovative New Product Launches or Customer Propositions” at the 13th Global Insurance E-Summit and Award by the Associated Chambers of Commerce and Industry of India (ASSOCHAM).
- 2021: Awarded “India's Best Health Insurance Company selected by Democratic Process (voting)” by Insurance Alertss.
- 2022: The Best of Bharat Awards - 2022
- 2023: Digital Innovation of the Year (Health Insurance) - 2023
- 2024: Runner Up - Most Effective Insurance Penetration for the Year at ASSOCHAM- 16th Global Insurance Summit and Awards 2024
- 2024: Outstanding Achievement in Risk Culture Building Award at the CRO Leadership Summit & Awards 2024 by UBS Forums
- 2025: Best data Analytics Team of the Year - 2nd Edition of Data Analytics & AI Show 2025 by Quantic Awards
- 2025: Best Health Insurance Company at InsureNext Global Conclave & Awards 2025
Major events and milestones
- 2006: Incorporated as the first standalone health insurance company in India.
- 2007: Introduced online in-house claim settlement without TPA.
- 2007: Launched Senior Citizen Red Carpet policy (Star Medi Gold).
- 2007: Launched Star Super Surplus insurance policy.
- 2007: Launched Star HIV Care Insurance policy.
- 2008: Initiated involvement of doctors and specialists in claim settlement and in underwriting.
- 2019: Investment by Safecrop India Investments LLP, WestBridge AIF I and Rakesh Jhunjhunwala, its Promoters.
- 2020: Started providing telemedicine facility to customers.
- 2021: Accelerated its digital transformation with the launch of the Star Health Mobile App
- 2023: Extended its healthcare ecosystem by delivering Home Health Care services across 21 states, positively impacting over 20,000 customers
- 2024: Introduced Super Star, its most comprehensive and customisable health insurance offering to date
- 2026: Celebrating two decades of safeguarding families and creating healthier futures across generations
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