Star Health & Allied Insurance Co. Ltd. (IN:STARHEALTH)
:STARHEALTH
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Star Health & Allied Insurance Co. Ltd.
(STARHEALTH)
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Rating:66Neutral
Price Target:
₹507.00
▲(10.28% Upside)
Action:ReiteratedDate:11/15/25
Star Health & Allied Insurance Co. Ltd. demonstrates strong financial performance with consistent revenue growth and improved profitability, which is the most significant factor in its score. The technical analysis indicates a strong upward trend, though caution is advised due to overbought signals. The high P/E ratio suggests the stock is overvalued, which could limit future gains. The absence of earnings call data and corporate events means these factors do not influence the score.
Positive Factors
Consistent Revenue Growth
Star Health has delivered consistent top-line growth (noted 21.7% revenue growth), reflecting expanding premium volumes and distribution reach. Durable premium growth supports scale benefits, improves underwriting data quality, and strengthens long-term ability to invest in distribution and claims controls.
Negative Factors
Earnings Volatility
Material negative EPS growth historically indicates earnings volatility and sensitivity to claim cycles or reserve adjustments. Such volatility can recur, constraining predictability of profits and complicating capital planning and investor visibility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Star Health has delivered consistent top-line growth (noted 21.7% revenue growth), reflecting expanding premium volumes and distribution reach. Durable premium growth supports scale benefits, improves underwriting data quality, and strengthens long-term ability to invest in distribution and claims controls.
Read all positive factors
Star Health & Allied Insurance Co. Ltd. (STARHEALTH) vs. iShares MSCI India ETF (INDA)
Market Cap
₹276.11B
Dividend YieldN/A
Average Volume (3M)42.40K
Price to Earnings (P/E)52.2
Beta (1Y)0.73
Revenue Growth28.04%
EPS Growth-38.44%
CountryIN
Employees15,913
SectorHealthcare
Sector Strength45
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.20
Shares Outstanding588,403,500
10 Day Avg. Volume41,268
30 Day Avg. Volume42,396
Financial Highlights & Ratios
PEG Ratio-1.33
Price to Book (P/B)2.88
Price to Sales (P/S)1.24
P/FCF Ratio15.83
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)16.26
Revenue Forecast (FY)₹217.30B
Star Health & Allied Insurance Co. Ltd. Business Overview & Revenue Model
Company Description
Star Health and Allied Insurance Company Limited provides health insurance products. It offers retail health products to various customer segments, including individuals, families, students, and senior citizens, as well as persons with pre-existin...
How the Company Makes Money
STARHEALTH makes money primarily by underwriting health insurance risk and investing the funds it holds. Its key revenue streams are: (1) Gross Written Premium (GWP)/Net Written Premium from selling health insurance policies to retail customers an...
Star Health & Allied Insurance Co. Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 171.11B | 164.88B | 144.13B | 122.41B | 106.02B | 57.75B |
| Gross Profit | 119.87B | 138.61B | 121.61B | 104.13B | 91.10B | 44.64B |
| EBITDA | 6.01B | 9.98B | 12.68B | 9.67B | -13.05B | -13.72B |
| Net Income | 5.33B | 6.46B | 8.45B | 6.19B | -10.41B | -10.86B |
Balance Sheet | ||||||
| Total Assets | 212.70B | 207.85B | 180.54B | 163.58B | 152.79B | 112.26B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 6.58B | 13.68B | 10.49B | 12.11B | 21.02B |
| Total Debt | 4.70B | 4.70B | 4.70B | 4.70B | 7.20B | 2.50B |
| Total Liabilities | 136.68B | 136.72B | 113.23B | 97.69B | 88.83B | 70.09B |
| Stockholders Equity | 76.02B | 71.12B | 67.32B | 65.89B | 63.96B | 42.17B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 12.96B | 11.86B | 12.29B | -340.86M | 8.19B |
| Operating Cash Flow | 0.00 | 13.79B | 13.10B | 12.76B | 290.43M | 8.65B |
| Investing Cash Flow | 0.00 | -11.51B | -11.77B | -10.97B | -37.86B | -24.18B |
| Financing Cash Flow | 0.00 | -42.00M | 229.73M | -2.68B | 25.36B | 26.39B |
Star Health & Allied Insurance Co. Ltd. Technical Analysis
Positive
459.75
Price Trends
461.47
Positive
463.89
Positive
457.11
Positive
Market Momentum
1.89
Negative
55.86
Neutral
75.19
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:STARHEALTH, the sentiment is Positive. The current price of 459.75 is below the 20-day moving average (MA) of 459.93, below the 50-day MA of 461.47, and above the 200-day MA of 457.11, indicating a bullish trend. The MACD of 1.89 indicates Negative momentum. The RSI at 55.86 is Neutral, neither overbought nor oversold. The STOCH value of 75.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:STARHEALTH.
Star Health & Allied Insurance Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (51)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹80.96B | 18.03 | ― | 0.44% | 14.80% | 1.35% | |
67 Neutral | ₹83.37B | -247.47 | ― | ― | 17.58% | -38.20% | |
66 Neutral | ₹276.11B | 52.18 | ― | ― | 28.04% | -38.44% | |
65 Neutral | ₹286.32B | 83.79 | ― | 0.04% | 15.78% | 15.01% | |
57 Neutral | ₹142.30B | 31.27 | ― | 1.28% | 11.42% | -1.91% | |
54 Neutral | ₹26.67B | 205.09 | ― | 0.92% | ― | ― | |
51 Neutral | $7.86B | -0.30 | -43.30% | 2.27% | 22.53% | -2.21% |
* Healthcare Sector Average
IN:STARHEALTH
Star Health & Allied Insurance Co. Ltd.
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Star Health & Allied Insurance Co. Ltd. Corporate Events
Star Health Secures IRDAI Nod to Transfer Late Jhunjhunwala’s Shareholding
Apr 6, 2026
Star Health and Allied Insurance Company Limited has received IRDAI approval for the transmission of 8,28,82,958 equity shares previously held by late investor Rakesh Jhunjhunwala. The transfer will be executed in accordance with the probate grant...
Star Health Sets Short-Notice Analyst, Investor Meets in Mumbai
Mar 24, 2026
Star Health Allied Insurance Company Limited has scheduled a series of meetings with analysts and institutional investors in Mumbai on March 27, 2026, engaging firms including Abakkus Asset Manager, Sageone Investment Managers, Singularity AMC an...
Star Health Releases Revised Q3 and 9M FY2026 Investor Presentation
Jan 29, 2026
Star Health Allied Insurance Co. Ltd. has released a revised investor presentation detailing its financial and operational performance for the third quarter and nine months ended 31 December 2025, following an earlier intimation to the exchanges....
Star Health Q3 Profit Jumps 414% as Retail Health Premiums and Digital Push Drive Efficiency
Jan 29, 2026
Star Health reported a sharp improvement in profitability for the third quarter of FY26 under Ind AS, with profit after tax surging 414% year-on-year to ₹449 crore, driven by strong premium growth, a healthier loss ratio and improved operati...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.