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Star Health and Allied Insurance Company Limited (STARHEALTH.NS)

INR595.55 -1.80 (-0.30%)
IN NSE Financial Services Insurance - Life
Address Acropolis 600004
Chennai, TN, IN
CEO Anand Roy
Website starhealth.in
IPO 2021-12-10
ISIN INE575P01011

Explore sections of this company profile

Also trades on Bombay Stock Exchange · STARHEALTH.BO (INR) National Stock Exchange of India · STARHEALTH.NS (INR)
Description

Star Health and Allied Insurance Company Limited provides health insurance products in India. It offers retail health insurance products for individuals, families, children, senior citizens, and persons with pre-existing medical conditions; group health insurance products for employer/employee and non-employer/employee groups, including small-to-medium enterprises; and personal accident and travel insurance products. The company also provides star women care insurance policy that provides surrogacy and oocyte donor covers; and star special care product that covers children diagnosed with autism and for outpatient specialized treatments. In addition, it offers star health assure insurance policy, star cancer care platinum insurance policy, senior citizens health insurance policy, and star cardiac care insurance policy – platinum, as well as star group OPD care insurance product. The company offers its products through web aggregators, digital channels, agency channels, corporate agents, brokers, point of salesperson, insurance marketing firms, and various other channels. Star Health and Allied Insurance Company was incorporated in 2005 and is based in Chennai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR595.55 -1.80 (-0.30%)
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Volume Profile
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Liquidity & share structure
Average Volume
787.1K
Beta
0.22
Float Shares
239.72M
Free Float %
40.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.07% -0.72% +2.41% +12.08% +11.84% +14.20% +17.11% +0.02% -42.70% -42.70% -42.70%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
595.55
DCF (Unlevered) 1,324.01 +122.3%
DCF (Levered) 1,838.55 +208.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 73% Bullish
Rating 2026-06 Change
Strong Buy 2 0
Buy 14 0
Hold 3 0
Sell 1 0
Strong Sell 2 0
Quality scores
Altman Z-Score
2.01
Grey zone
Piotroski F-Score
3 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Life: +10.6%
    +8.2% Q1'26: +4.1% (vs Q1'25)
  • ✗
    EPS growth Insurance - Life: +13.4%
    -12.8% Q1'26: +18,800.0% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Life: +31.7%
    +3.1% Q1'26: +0.0% (vs Q1'25)
  • ✗
    EBIT margin Insurance - Life: +12.4%
    +4.2% Q1'26: +3.3% (vs Q1'25)
  • ✗
    ROIC Insurance - Life: +1.0%
    +8.5% ★ Q1'26: +6.8% (vs Q1'25)
  • ✓
    Share dilution Insurance - Life: +0.4%
    -1.1% ★ Q1'26: +15.5% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    0.62× ★ Q1'26: 0.78× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.22) × ERP
WACC = 99% × Ke + 2% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 1,324.01 Current price: 595.55
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
11 Rev. Ana.
18 EPS Ana. 		Mar 2027
14 Rev. Ana.
19 EPS Ana. 		Mar 2028
13 Rev. Ana.
16 EPS Ana. 		Mar 2029
5 Rev. Ana.
5 EPS Ana.
Revenue
106.02B
est: 102.33B (+3.6%)
122.41B
est: 125.71B (-2.6%)
144.13B
est: 145.41B (-0.9%)
164.88B
est: 170.00B (-3.0%)
185.91B
181.68B – 195.92B
+9.4% YoY
214.86B
205.22B – 225.25B
+15.6% YoY
249.33B
244.24B – 257.77B
+16.0% YoY
286.87B
285.83B – 287.91B
+15.1% YoY
EBITDA
-13.05B
est: -2.72B (-378.9%)
9.67B
est: -3.35B (+388.9%)
12.68B
est: 25.47B (-50.2%)
9.98B
est: 29.78B (-66.5%)
32.57B
31.83B – 34.32B
+9.4% YoY
37.64B
35.95B – 39.46B
+15.6% YoY
43.68B
42.79B – 45.16B
+16.0% YoY
50.25B
50.07B – 50.44B
+15.1% YoY
EBIT
-13.48B
est: -3.23B (-317.5%)
9.15B
est: -3.97B (+330.6%)
12.09B
est: 25.91B (-53.3%)
9.26B
est: 30.29B (-69.4%)
33.12B
32.37B – 34.91B
+9.4% YoY
38.28B
36.57B – 40.13B
+15.6% YoY
44.42B
43.52B – 45.93B
+16.0% YoY
51.11B
50.93B – 51.30B
+15.1% YoY
Net Income
-10.41B
est: -10.82B (+3.9%)
6.19B
est: 6.40B (-3.4%)
8.45B
est: 8.76B (-3.5%)
6.46B
est: 7.53B (-14.2%)
5.57B
5.54B – 6.09B
-26.0% YoY
9.99B
8.27B – 16.66B
+79.3% YoY
12.56B
9.50B – 20.17B
+25.8% YoY
14.49B
14.33B – 17.94B
+15.3% YoY
SGA
18.71B
est: 1.77B (+959.3%)
21.54B
est: 2.17B (+892.6%)
23.29B
est: 19.34B (+20.5%)
24.87B
est: 22.61B (+10.0%)
24.72B
24.16B – 26.05B
+9.4% YoY
28.57B
27.29B – 29.95B
+15.6% YoY
33.16B
32.48B – 34.28B
+16.0% YoY
38.15B
38.01B – 38.29B
+15.1% YoY
EPS
-18.65
est: -18.20 (-2.5%)
10.70
est: 10.76 (-0.6%)
14.48
est: 14.99 (-3.4%)
11.01
est: 12.73 (-13.5%)
9.83
9.42 – 10.35
-22.8% YoY
17.82
14.05 – 28.32
+81.3% YoY
22.62
16.16 – 34.29
+27.0% YoY
27.68
24.36 – 30.50
+22.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-11 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-10 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-09 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-08 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-05 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-04 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-03 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-02 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-06-01 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-29 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-27 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-26 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-25 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-22 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-21 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-20 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-19 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-18 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-15 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-14 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-13 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-12 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-05-11 B- 3/5 4/5 2/5 4/5 3/5 1/5 1/5
2026-05-08 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-05-07 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-05-06 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-05-05 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-05-04 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-04-30 B 3/5 4/5 3/5 5/5 3/5 1/5 1/5
2026-04-29 B 3/5 4/5 3/5 5/5 3/5 1/5 1/5
2026-04-28 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-04-27 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-04-24 B 3/5 4/5 2/5 5/5 3/5 1/5 1/5
2026-04-23 B- 3/5 4/5 2/5 5/5 2/5 1/5 1/5
2026-04-22 B- 3/5 4/5 2/5 5/5 2/5 1/5 1/5
2026-04-21 B 3/5 5/5 2/5 5/5 2/5 1/5 1/5
2026-04-20 B 3/5 5/5 2/5 5/5 2/5 1/5 1/5
2026-04-17 B 3/5 5/5 3/5 5/5 2/5 1/5 1/5
2026-04-16 B 3/5 5/5 3/5 5/5 2/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
175.48M
OE per share TTM
0.29
Owner's Yield
0.06%
Maintenance CapEx ratio
1.43%
Maint CapEx / Avg PPE
0.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 1 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Schwab Emerging Markets Equity ETF SCHE 0.01% 1.87M 0.06%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
482.1K
Shares Outstanding
588.40M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Anand Shankar Roy MD, Chief Executive Officer & Director 92M male
Sriram Ragunandhanan Chief Human Resources Officer 14M male
Jayashree Sethuraman Company Secretary & Compliance Officer 2M female
Himanshu Walia Chief Marketing Officer & Whole-Time Director — male
Nilesh Ashok Kambli Chief Financial Officer — male
Pradipta Chandra Tripathy Senior Vice President — —
Princey Mehra Chief Compliance Officer — female
Aditya Omprakash Biyani Chief Strategy & Investor Relations Officer — male
Vishwajeet Mohnot Executive President — male
Amitabh Jain COO & Whole-Time Director — male
Aneesh Srivastava Chief Investment Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits

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