Star Health and Allied Insurance Company Limited
STARHEALTH · Insurance · NSE
₹520
Current Market Price
Fair Value (P/B + Residual Income)
₹757
Discount to FV
+45.6%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
80%
ROE
9.1%
Debt/Equity
0.07
Cost of Equity
9.8%
Market Cap
₹30,573 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
3.9%
Return on capital employed
Revenue CAGR (3Y)
13.4%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹519.6
Bear case
Margin of Safety +1.9%
Implied upside +1.9%
Base case
Margin of Safety +23.9%
Implied upside +31.3%
Bull case
Margin of Safety +32.1%
Implied upside +47.2%
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 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹10.6K Cr | ₹12.2K Cr | ₹14.4K Cr | ₹16.1K Cr | ₹17.8K Cr | +13.9% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹-1348 Cr | ₹915 Cr | ₹1209 Cr | ₹926 Cr | — | — |
| PAT | ₹-1041 Cr | ₹619 Cr | ₹845 Cr | ₹646 Cr | ₹557 Cr | — |
| EPS (diluted) | ₹-18.65 | ₹10.41 | ₹14.19 | ₹10.86 | ₹9.47 | — |
| CFO | — | — | — | — | — | — |
| CapEx | ₹-63.1 Cr | ₹-46.6 Cr | ₹-123 Cr | ₹-82.7 Cr | ₹-78.1 Cr | — |
| FCF | — | — | — | — | — | — |
| Total Assets | ₹15.3K Cr | ₹16.4K Cr | ₹18.1K Cr | ₹20.8K Cr | ₹24.1K Cr | +12.0% |
| Total Debt | ₹720 Cr | ₹470 Cr | ₹470 Cr | ₹470 Cr | ₹470 Cr | -10.1% |
| Shareholders' Equity | ₹6396 Cr | ₹6589 Cr | ₹6732 Cr | ₹7112 Cr | ₹7551 Cr | +4.2% |
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 Max Financial Services Limited | +53.0%+112.8% upside | 40 | Below Fair Value | 1.6% | — |
 ICICIPRULI ICICIPRULI | — | — | Pending | 11.8% | 45.9× |
 HDFCLIFE HDFCLIFE | — | — | Pending | 10.8% | 66.6× |
 SBILIFE SBI Life Insurance Company Limited | -39.5%-28.3% upside | 31 | Above Fair Value | 12.9% | 64.3× |
 LICI Life Insurance Corporation Of India | -1.2%-1.2% upside | 56 | Near Fair Value | 32.5% | — |
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 519.60 vs a model fair value of 756.75, a gap of 45.6%. Piotro...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of STARHEALTH →
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ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
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BSE filings + news for STARHEALTH →
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P/B + Residual Income breakdown, peer comparison, and more.
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.