Star Health and Allied Insurance Company Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| LICI | 407.30 | 8.58 | 515234.31 | 2.46 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| SBILIFE | 1685.00 | 65.00 | 169064.40 | 0.16 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| HDFCLIFE | 514.35 | 56.58 | 111747.11 | 0.41 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| ICICIGI | 1487.00 | 30.60 | 74290.94 | 0.91 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| ICICIPRULI | 460.00 | 39.63 | 66756.14 | 0.36 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| GICRE | 350.05 | 6.92 | 61412.77 | 3.79 | 1743.67 | -31.10 | 11097.77 | -1.56 | 22.43 | -10.45 |
| NIACL | 205.75 | 44.08 | 33907.60 | 0.73 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| STARHEALTH | 571.40 | 39.84 | 33633.95 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| GODIGIT | 253.50 | 47.63 | 23452.42 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| NIVABUPA | 79.57 | 40.88 | 14717.62 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| CANHLIFE | 149.55 | 108.18 | 14207.25 | 0.27 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
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:
- 31%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - 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 - 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 - Star Health and Allied Insurance Company Limited has informed the Exchange regarding Proceedings of 21st Annual General Meeting held on August 28, 2026
2026-08-28 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of meet with Analyst/Investor dated September 02, 2026
2026-08-27 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of meet with Analyst/Investor dated September 01, 2026
2026-08-26 - Star Health and Allied Insurance Company Limited has informed the Exchange about the disclosure under Regulation 30 of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015.
2026-08-14 - Star Health and Allied Insurance Company Limited has informed the Exchange regarding disclosure under Regulation 31A(8)(C) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
2026-08-13 - Star Health and Allied Insurance Company Limited has informed the Exchange about Schedule of meet with Analyst/Investor dated August 25, 2026.
News
Recent coverage and analyst commentary for STARHEALTH
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