Star Health and Allied Insurance Company Limited
STARHEALTH · Insurance · NSE
₹494
Current Market Price
Fair Value (DCF)
₹560
Margin of Safety
+13.3%
Updated just now
YieldIQ Score
37/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
80%
ROE
9.1%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.29 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
450.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.79×
Revenue per ₹ of assets
Revenue CAGR (3Y)
12.5%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹494.45
Bear case
₹392.19
MoS -26.1%
Base case
₹560.27
MoS +11.7%
Bull case
₹728.35
MoS +32.1%
Ratio Trends
STARHEALTH · last 4 annual periods
ROE
9.1%
ROCE
—
Operating Margin
—
Debt / Equity
0.07×
PE
49.3×
EV / EBITDA
—
Historical Financials
STARHEALTH · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹10.6K Cr | ₹12.2K Cr | ₹14.4K Cr | ₹16.5K Cr | +15.9% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹-1041 Cr | ₹619 Cr | ₹845 Cr | ₹646 Cr | — |
| EPS (diluted) | — | — | — | — | — |
| CFO | — | — | — | — | — |
| CapEx | ₹-63.1 Cr | ₹-46.6 Cr | ₹-123 Cr | ₹-82.7 Cr | — |
| FCF | — | — | — | — | — |
| Total Assets | ₹15.3K Cr | ₹16.4K Cr | ₹18.1K Cr | ₹20.8K Cr | +10.8% |
| Total Debt | ₹720 Cr | ₹470 Cr | ₹470 Cr | ₹470 Cr | -13.3% |
| Shareholders' Equity | ₹6396 Cr | ₹6589 Cr | ₹6732 Cr | ₹7112 Cr | +3.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
STARHEALTH vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| MFSL MFSL | — | — | Pending | 5.1% | — |
| ICICIPRULI ICICI Prudential Life Insurance Company Limited | -75.6% | 28 | Data Limited | 11.8% | 45.9× |
| HDFCLIFE HDFC Life Insurance Company Limited | -5.0% | 33 | Near Fair Value | 10.8% | 66.6× |
| SBILIFE SBI Life Insurance Company Limited | -19.0% | 36 | Above Fair Value | 12.9% | 64.3× |
| LICI Life Insurance Corporation Of India | +53.3% | 62 | Below Fair Value | 38.0% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for STARHEALTH in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Star Health and Allied Insurance Company Limited (STARHEALTH.NS) trades at 494.45 vs a model fair value of 560.27, a gap of 13.3%. Piotro...
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Market-implied growth
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Risk profile of STARHEALTH →
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ROE decomposition
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Technicals
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Analyse STARHEALTHNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.