WEBSITE BSE:543412 NSE : STARHEALTH 11 Nov, 13:09
Market Cap ₹28728 Cr.
Stock P/E 44.5
P/B 3.9
Current Price ₹488.9
Book Value ₹ 125
Face Value 10
52W High ₹508.8
Dividend Yield 0%
52W Low ₹ 330.1
Star Health and Allied Insurance Company Limited presents medical insurance products. It offers retail health products to various consumer segments, consisting of individuals, families, college students, and senior citizens, as well as persons with pre-present medical situations across the middle-marketplace purchaser phase; and institution health insurance guidelines provide to employees of corporates, which includes SMEs via corporation medical insurance plans. The organization additionally affords personal accident and travel insurance. It distributes its products via individual agent, corporate agent banks, different corporate marketers, brokers and on-line channel companions comprising internet aggregators, in addition to directly to customers. As of September 30, 2021, the agency had 779 medical health insurance branches across 25 states and 5 union territories in India. Star Health and Allied Insurance Company Limited changed into integrated in 2005 and is totally based in Chennai, India.
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 3044 | 3206 | 3294 | 3395 | 3520 | 3704 | 3800 | 3798 | 3938 | 4081 |
| Other Income | 250 | 258 | 285 | 296 | 297 | 357 | 348 | 290 | 296 | 300 |
| Total Income | 3294 | 3463 | 3579 | 3692 | 3817 | 4061 | 4148 | 4088 | 4234 | 4381 |
| Total Expenditure | 2909 | 3296 | 3191 | 3502 | 3391 | 3912 | 3861 | 4089 | 3882 | 4303 |
| Operating Profit | 384 | 167 | 388 | 190 | 426 | 149 | 287 | -1 | 352 | 78 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 384 | 167 | 388 | 190 | 426 | 149 | 287 | -1 | 352 | 78 |
| Provision for Tax | 97 | 42 | 98 | 47 | 107 | 38 | 72 | -1 | 90 | 23 |
| Profit After Tax | 288 | 125 | 290 | 142 | 319 | 111 | 215 | 1 | 263 | 55 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 288 | 125 | 290 | 142 | 319 | 111 | 215 | 1 | 263 | 55 |
| Adjusted Earnings Per Share | 4.9 | 2.1 | 4.9 | 2.4 | 5.4 | 1.9 | 3.7 | 0 | 4.5 | 0.9 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1018 | 1514 | 1911 | 2740 | 3662 | 4684 | 4627 | 9809 | 11262 | 12938 | 14822 | 15617 |
| Other Income | 42 | 63 | 62 | 89 | 115 | 170 | 251 | 480 | 501 | 642 | 772 | 1234 |
| Total Income | 1060 | 1577 | 1974 | 2828 | 3778 | 4854 | 4877 | 10289 | 11763 | 13580 | 15594 | 16851 |
| Total Expenditure | 1207 | 1329 | 1877 | 2690 | 3548 | 4523 | 6358 | 11871 | 11057 | 12849 | 15201 | 16135 |
| Operating Profit | -147 | 249 | 97 | 138 | 229 | 330 | -1481 | -1582 | 706 | 731 | 393 | 716 |
| Interest | 1 | 2 | 3 | 7 | 2 | 3 | 3 | 26 | 35 | 39 | 24 | 0 |
| Depreciation | 19 | 17 | 20 | 23 | 28 | 29 | 46 | 43 | 52 | 59 | 71 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -140 | 137 | 118 | 171 | 267 | 406 | -1446 | -1397 | 826 | 1129 | 861 | 716 |
| Provision for Tax | 0 | 0 | 0 | 1 | 84 | 143 | -360 | -356 | 208 | 284 | 215 | 184 |
| Profit After Tax | -140 | 137 | 118 | 170 | 183 | 263 | -1086 | -1041 | 619 | 845 | 646 | 534 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -140 | 137 | 118 | 170 | 183 | 263 | -1086 | -1041 | 619 | 845 | 646 | 534 |
| Adjusted Earnings Per Share | -3.9 | 3.5 | 2.6 | 3.7 | 4 | 5.4 | -19.8 | -18.1 | 10.6 | 14.4 | 11 | 9.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 15% | 26% | 31% |
| Operating Profit CAGR | -46% | 0% | 4% | 0% |
| PAT CAGR | -24% | 0% | 20% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 2% | -11% | NA% | NA% |
| ROE Average | 10% | 12% | -6% | 1% |
| ROCE Average | 12% | 15% | -7% | 1% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 142 | 360 | 789 | 960 | 1493 | 1904 | 3500 | 4604 | 5434 | 6342 | 7024 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 250 | 250 | 250 | 250 | 720 | 470 | 470 | 470 |
| Other Non-Current Liabilities | 751 | 792 | 1190 | 1683 | 2158 | 2623 | 5187 | 6229 | 7292 | 8478 | 9170 |
| Total Current Liabilities | 210 | 238 | 278 | 537 | 914 | 1216 | 1564 | 1961 | 2030 | 2478 | 4121 |
| Total Liabilities | 1102 | 1390 | 2257 | 3430 | 4815 | 5994 | 10501 | 13514 | 15226 | 17768 | 20785 |
| Fixed Assets | 46 | 62 | 77 | 92 | 85 | 90 | 80 | 113 | 101 | 159 | 161 |
| Other Non-Current Assets | 514 | 810 | 1435 | 2169 | 3043 | 4309 | 7277 | 12154 | 13971 | 15866 | 18274 |
| Total Current Assets | 542 | 518 | 745 | 1169 | 1687 | 1595 | 3144 | 1247 | 1154 | 1744 | 2350 |
| Total Assets | 1102 | 1390 | 2257 | 3430 | 4815 | 5994 | 10501 | 13514 | 15226 | 17768 | 20785 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 57 | 80 | 94 | 229 | 372 | 750 | 513 | 1599 | 378 | 288 | 445 |
| Cash Flow from Operating Activities | 147 | 126 | 321 | 557 | 776 | 647 | 890 | 56 | 1276 | 1310 | 1379 |
| Cash Flow from Investing Activities | -216 | -192 | -497 | -663 | -731 | -1006 | -2418 | -3786 | -1097 | -1177 | -1151 |
| Cash Flow from Financing Activities | 92 | 81 | 310 | 249 | 333 | 122 | 2613 | 2509 | -268 | 23 | -4 |
| Net Cash Inflow / Outflow | 24 | 14 | 134 | 143 | 379 | -237 | 1086 | -1221 | -89 | 156 | 224 |
| Closing Cash & Cash Equivalent | 80 | 94 | 229 | 372 | 750 | 513 | 1599 | 378 | 288 | 445 | 668 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 0 | 0 | 0 | 0 | 0 | -19.81 | -18.08 | 10.63 | 14.44 | 10.99 |
| CEPS(Rs) | -3.87 | 3.53 | 2.59 | 3.73 | 4.03 | 5.37 | -19.81 | -18.08 | 10.63 | 14.44 | 10.99 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 63.85 | 78.68 | 93.35 | 108.31 | 119.46 |
| Core EBITDA Margin(%) | -18.6 | 12.23 | 1.78 | 1.81 | 3.11 | 3.43 | -37.43 | -21.02 | 1.82 | 0.69 | -2.55 |
| EBIT Margin(%) | -13.76 | 9.02 | 6.17 | 6.25 | 7.29 | 8.67 | -31.25 | -14.24 | 7.34 | 8.72 | 5.81 |
| Pre Tax Margin(%) | -13.76 | 9.02 | 6.17 | 6.25 | 7.29 | 8.67 | -31.25 | -14.24 | 7.34 | 8.72 | 5.81 |
| PAT Margin (%) | -13.76 | 9.02 | 6.17 | 6.21 | 5.01 | 5.62 | -23.47 | -10.61 | 5.49 | 6.53 | 4.36 |
| Cash Profit Margin (%) | -13.76 | 9.02 | 6.17 | 6.21 | 5.01 | 5.62 | -23.47 | -10.61 | 5.49 | 6.53 | 4.36 |
| ROA(%) | -84.51 | 54.42 | 20.52 | 17.02 | 12.42 | 13.5 | -36.81 | -22.89 | 10.97 | 13.16 | 8.91 |
| ROE(%) | -84.51 | 54.42 | 20.52 | 19.46 | 17.45 | 17.28 | -40.19 | -25.93 | 12.42 | 14.36 | 9.67 |
| ROCE(%) | -84.51 | 54.42 | 20.52 | 17.13 | 20.52 | 22.91 | -48.98 | -31.04 | 14.83 | 17.76 | 12.04 |
| Receivable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 48.76 | 37.62 | 32.42 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.03 | 5.55 | 5.01 | 2.98 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0.03 | 0.08 | 0.07 | -0.02 | -0.12 | -0.03 | -0.29 | 4.19 | 2.69 | 2.46 | 1.4 |
| EV/Core EBITDA(x) | -0.23 | 0.46 | 1.29 | -0.34 | -1.91 | -0.37 | 0.9 | -25.95 | 42.95 | 43.5 | 52.73 |
| Net Sales Growth(%) | 50.72 | 48.72 | 26.26 | 43.33 | 33.68 | 27.9 | -1.23 | 112.02 | 14.81 | 14.89 | 14.56 |
| EBIT Growth(%) | -50.07 | 197.52 | -13.64 | 45.16 | 56 | 52.09 | -455.93 | 3.4 | 159.17 | 36.6 | -23.72 |
| PAT Growth(%) | -50.07 | 197.52 | -13.64 | 44.27 | 7.79 | 43.56 | -512.34 | 4.15 | 159.44 | 36.6 | -23.57 |
| EPS Growth(%) | 0 | 0 | 0 | 0 | 0 | 0 | -469.12 | 8.72 | 158.81 | 35.76 | -23.89 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16 | 0.09 | 0.07 | 0.07 |
| Current Ratio(x) | 0.56 | 0.5 | 0.51 | 0.53 | 0.54 | 0.42 | 0.47 | 0.15 | 0.12 | 0.16 | 0.18 |
| Quick Ratio(x) | 0.56 | 0.5 | 0.51 | 0.53 | 0.54 | 0.42 | 0.47 | 0.15 | 0.12 | 0.16 | 0.18 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02 | 0.02 | 0.01 | 0.02 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 58.25 | 58.02 | 57.94 | 57.92 | 57.9 | 57.69 | 57.68 | 57.67 | 58.04 | 58.02 |
| FII | 33.1 | 30.63 | 31 | 26.57 | 21.58 | 17.65 | 17.51 | 18.68 | 13.9 | 13.5 |
| DII | 3.08 | 6.12 | 6.11 | 11.14 | 15.11 | 17.05 | 16.43 | 15.43 | 21.08 | 21.09 |
| Public | 5.57 | 5.23 | 4.96 | 4.36 | 5.41 | 7.61 | 8.38 | 8.21 | 6.98 | 7.39 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 34.12 | 34.12 |
| FII | 19.26 | 17.9 | 18.14 | 15.55 | 12.64 | 10.37 | 10.29 | 10.98 | 8.17 | 7.94 |
| DII | 1.79 | 3.58 | 3.57 | 6.52 | 8.85 | 10.02 | 9.65 | 9.07 | 12.39 | 12.4 |
| Public | 3.24 | 3.06 | 2.9 | 2.55 | 3.17 | 4.47 | 4.92 | 4.83 | 4.1 | 4.34 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 58.2 | 58.43 | 58.51 | 58.53 | 58.55 | 58.76 | 58.77 | 58.78 | 58.78 | 58.79 |
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