Star Health and Allied Insurance Company Ltd.

•

starhealth.inBSE: 543412NSE: STARHEALTH

Market Cap₹ 33,092 Cr.

Current Price

High / Low₹ 625 / 417

Stock P/E39.2

Book Value₹ 172

Price to Book3.55

Dividend Yield0.00 %

ROCE9.7 %

ROE7.6 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Latest quarter profit grew 109.4% YoY, showing strong momentum
Company generates healthy free cash flow
Company converts assets efficiently - asset turnover of 2.1x

CONS

Company is loss-making at the operating / net level
Effective tax rate is unusually low at 0.0% - earnings may be flattered
Operating margins have contracted to -2.5% from 1.8%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesInsuranceInsurance

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	LICI	403.70	8.50	510680.31	2.48	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1695.00	65.39	170067.75	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	530.00	58.30	115147.22	0.40	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1459.00	30.02	72892.05	0.93	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	471.25	40.60	68388.76	0.35	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	349.55	6.91	61325.05	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	STARHEALTH	562.20	39.20	33092.42	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
8.	NIACL	198.15	42.45	32655.12	0.76	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
9.	GODIGIT	255.85	48.07	23669.82	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.97	41.09	14791.61	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	151.95	109.92	14435.25	0.26	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	3,044	3,206	3,294	3,395	3,520	3,704	3,800	3,798	3,938	4,081	4,250	4,327	4,917
	2,909	3,296	3,191	3,502	3,391	3,912	3,861	4,089	3,882	4,303	4,395	4,500	4,827
Operating Profit	134	-90	103	-107	129	-208	-61	-290	56	-222	-144	-173	90
OPM %	4.42%	-2.82%	3.11%	-3.14%	3.68%	-5.61%	-1.60%	-7.64%	1.42%	-5.45%	-3.39%	-4.00%	1.84%
	250	258	285	296	297	357	348	290	296	300	318	325	651
Interest	0	0	0	0	0	0	0	0	0	0	0	0	52
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	384	167	388	190	426	149	287	-1	352	78	173	151	742
Tax %	25.11%	25.02%	25.31%	24.99%	25.16%	25.21%	25.03%	158.62%	25.42%	29.33%	26.06%	26.37%	25.88%
Net Profit	288	125	290	142	319	111	215	1	263	55	128	111	550
	4.95	2.15	4.95	2.43	5.45	1.90	3.66	0.01	4.47	0.93	2.18	1.89	9.34

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	0	0	0	17,576
	0	0	0	0	0	0	0	0	0	0	18,025
Operating Profit	0	0	0	0	0	0	0	0	0	0	-449
OPM %	—	—	—	—	—	—	—	—	—	—	-2.56%
	0	0	0	0	0	8	6	4	5	2	1,593
Interest	0	0	0	0	0	0	0	0	0	0	52
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	118	171	267	406	-1,446	-1,397	826	1,129	861	754	1,144
Tax %	0.00%	0.61%	31.33%	35.18%	24.91%	25.49%	25.15%	25.14%	24.99%	26.16%	26.21%
Net Profit	118	170	183	263	-1,086	-1,041	619	845	646	557	844
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	14.44	10.99	9.47	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: 15%
5 Years:: —
3 Years:: -3%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: -4%
1 Year:: 27%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 4%
3 Years:: 11%
Last Year:: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	456	456	456	491	548	576	582	585	588	588
	334	504	687	1,413	2,951	3,953	4,848	5,754	6,434	7,000
	0	250	250	250	250	720	470	470	470	470
	-789	-1,210	-1,393	-2,154	-3,749	102	27	106	90	-37
Total Liabilities	0	0	0	0	0	5,351	5,927	6,915	7,582	8,021
	77	92	85	90	80	113	101	159	161	172
Capital Work in Progress	0	0	0	0	0	4	10	16	24	9
Cash & Bank	331	502	893	611	1,879	564	309	445	668	1,444
	-408	-594	-978	-702	-1,959	4,670	5,507	6,295	6,729	6,397
Total Assets	0	0	0	0	0	5,351	5,927	6,915	7,582	8,021

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	358	460	788	1,607	2,207	1,752	3,311	1,310	1,379	1,873
Cash from Investing	-497	-663	-731	-1,006	-2,418	-3,786	-1,097	-1,177	-1,151	-1,067
Cash from Financing	310	249	333	122	2,613	2,509	-268	23	-4	-31
	134	143	379	-237	1,086	-1,221	-89	156	224	775

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	57.90	57.69	57.68	57.67	58.04	58.02	57.98	57.98	58.01
	21.58	17.65	17.51	18.69	13.89	13.51	14.07	15.06	16.04
	15.10	17.05	16.43	15.44	21.08	21.09	20.96	20.28	19.41
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	5.41	7.61	8.38	8.21	6.98	7.39	6.99	6.66	6.54

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

General Updates

2026-09-11 - Star Health and Allied Insurance Company Limited has informed the Exchange about disclosure under Regulation 31A of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of group meet with Analysts/Investors dated September 18, 2026

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of one to one meets with Analysts/Investors dated September 18, 2026.

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of meet with Analyst/Investor dated September 16, 2026.

2026-09-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of virtual meet with Analyst/Investors dated September 16, 2026.

2026-08-29

Shareholders meeting

2026-08-29 - Star Health and Allied Insurance Company Limited has informed the Exchange regarding voting results of Annual General Meeting held on August 28, 2026

2026-08-29

Shareholders meeting

2026-08-29 - Star Health and Allied Insurance Company Limited has submitted the Exchange a copy Scrutinizers report of Annual General Meeting held on August 28, 2026

2026-08-28

Appointment

2026-08-28 - Star Health and Allied Insurance Company Limited has informed the Exchange regarding Appointment of Mr. Utpal Hemendra Sheth as Non- Executive Nominee Director of the company w.e.f. August 28, 2026.

2026-08-28

Shareholders meeting

2026-08-28 - Star Health and Allied Insurance Company Limited has informed the Exchange regarding Proceedings of 21st Annual General Meeting held on August 28, 2026

News

Recent coverage and analyst commentary for STARHEALTH

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Star Health and Allied Insurance Company Ltd.

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Free 5nance Account

Name

LICI

403.70

8.50

510680.31

2.48

135866.90

23.98

1276231.60

6.69

37.75

-76.97

SBILIFE

1695.00

65.39

170067.75

0.16

7249.30

21.97

200782.10

16.88

14.15

-127.01

HDFCLIFE

530.00

58.30

115147.22

0.40

611.19

11.46

16727.63

15.05

10.01

-98.79

ICICIGI

1459.00

30.02

72892.05

0.93

4031.70

439.66

59500.40

1058.48

23.62

-10.35

ICICIPRULI

471.25

40.60

68388.76

0.35

623.91

61.94

19180.08

17.17

11.82

79.46

GICRE

349.55

6.91

61325.05

3.79

1743.67

-31.10

11097.77

-1.56

22.43

-10.45

STARHEALTH

562.20

39.20

33092.42

0.00

549.73

109.40

4917.20

24.86

9.70

2.89

NIACL

198.15

42.45

32655.12

0.76

-2391.50

-695.39

97472.80

934.31

5.44

-24.14

GODIGIT

255.85

48.07

23669.82

0.00

86.39

-37.55

2006.96

7.61

13.56

-15.23

NIVABUPA

79.97

41.09

14791.61

0.00

137.80

250.70

2273.72

86.37

3.75

-0.22

CANHLIFE

151.95

109.92

14435.25

0.26

281.40

1101.54

20475.20

1138.35

8.35

-112.52

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

3,044

3,206

3,294

3,395

3,520

3,704

3,800

3,798

3,938

4,081

4,250

4,327

4,917

2,909

3,296

3,191

3,502

3,391

3,912

3,861

4,089

3,882

4,303

4,395

4,500

4,827

Operating Profit

134

-90

103

-107

129

-208

-61

-290

-222

-144

-173

OPM %

4.42%

-2.82%

3.11%

-3.14%

3.68%

-5.61%

-1.60%

-7.64%

1.42%

-5.45%

-3.39%

-4.00%

1.84%

250

258

285

296

297

357

348

290

296

300

318

325

651

Interest

Depreciation

Profit before Tax

384

167

388

190

426

149

287

-1

352

173

151

742

Tax %

25.11%

25.02%

25.31%

24.99%

25.16%

25.21%

25.03%

158.62%

25.42%

29.33%

26.06%

26.37%

25.88%

Net Profit

288

125

290

142

319

111

215

263

128

111

550

4.95

2.15

4.95

2.43

5.45

1.90

3.66

0.01

4.47

0.93

2.18

1.89

9.34

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

17,576

18,025

Operating Profit

-449

OPM %

—

-2.56%

1,593

Interest

Depreciation

Profit before Tax

118

171

267

406

-1,446

-1,397

826

1,129

861

754

1,144

Tax %

0.00%

0.61%

31.33%

35.18%

24.91%

25.49%

25.15%

25.14%

24.99%

26.16%

26.21%

Net Profit

118

170

183

263

-1,086

-1,041

619

845

646

557

844

EPS

0.00

14.44

10.99

9.47

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

456

491

548

576

582

585

588

334

504

687

1,413

2,951

3,953

4,848

5,754

6,434

7,000

250

720

470

-789

-1,210

-1,393

-2,154

-3,749

102

106

-37

Total Liabilities

5,351

5,927

6,915

7,582

8,021

113

101

159

161

172

Capital Work in Progress

Cash & Bank

331

502

893

611

1,879

564

309

445

668

1,444

-408

-594

-978

-702

-1,959

4,670

5,507

6,295

6,729

6,397

Total Assets

5,351

5,927

6,915

7,582

8,021

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

358

460

788

1,607

2,207

1,752

3,311

1,310

1,379

1,873

Cash from Investing

-497

-663

-731

-1,006

-2,418

-3,786

-1,097

-1,177

-1,151

-1,067

Cash from Financing

310

249

333

122

2,613

2,509

-268

-4

-31

134

143

379

-237

1,086

-1,221

-89

156

224

775

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

57.90

57.69

57.68

57.67

58.04

58.02

57.98

58.01

21.58

17.65

17.51

18.69

13.89

13.51

14.07

15.06

16.04

15.10

17.05

16.43

15.44

21.08

21.09

20.96

20.28

19.41

Government

0.00

Public

5.41

7.61

8.38

8.21

6.98

7.39

6.99

6.66

6.54

Star Health and Allied Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Star Health and Allied Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI