Star Health and Allied Insurance Company Limited
Fundamental Score
Star Health and Allied Insurance Company Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of STARHEALTH across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Consistent Growth Track Record (26.42% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Profit Growth Track Record (18.65% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.06)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Cash Generation (₹4550.48 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (58.02%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 34.60%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Below-Average Return on Equity (9.37%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Margin Pressure Concerns (0.38%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 53.07x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Profit Decline Concern (-50.67%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for Star Health and Allied Insurance Company Limited
About STARHEALTH
Business Overview
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.
Company Details
Key Leadership
Corporate Events
Latest News
STARHEALTH Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Star Health and Allied Insurance Company Limited (STARHEALTH)?
As of 03 Feb 2026, 05:14 am IST, Star Health and Allied Insurance Company Limited (STARHEALTH) is currently trading at ₹472.60. The stock has a market capitalization of ₹28.29K (Cr).
Is STARHEALTH share price Overvalued or Undervalued?
STARHEALTH is currently trading at a P/E ratio of 53.07x, compared to the industry average of 44.24x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Star Health and Allied Insurance Company Limited share price?
Key factors influencing STARHEALTH's price include its quarterly earnings growth (Sales Growth: 7.87%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Star Health and Allied Insurance Company Limited a good stock for long-term investment?
Star Health and Allied Insurance Company Limited shows a 5-year Profit Growth of 18.65% and an ROE of 9.37%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.06 before investing.
How does Star Health and Allied Insurance Company Limited compare with its industry peers?
Star Health and Allied Insurance Company Limited competes with major peers in the General Insurance. Investors should compare STARHEALTH's P/E of 53.07x and ROE of 9.37% against the industry averages to determine its competitive standing.
What is the P/E ratio of STARHEALTH and what does it mean?
STARHEALTH has a P/E ratio of 53.07x compared to the industry average of 44.24x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹53 for every ₹1 of annual earnings.
How is STARHEALTH performing according to Bull Run's analysis?
STARHEALTH has a Bull Run fundamental score of 48.8/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does STARHEALTH belong to?
STARHEALTH operates in the General Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting Star Health and Allied Insurance Company Limited.
What is Return on Equity (ROE) and why is it important for STARHEALTH?
STARHEALTH has an ROE of 9.37%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Star Health and Allied Insurance Company Limited generates profits from shareholders' equity.
How is STARHEALTH's debt-to-equity ratio and what does it indicate?
STARHEALTH has a debt-to-equity ratio of 0.06, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is STARHEALTH's dividend yield and is it a good dividend stock?
STARHEALTH offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has STARHEALTH grown over the past 5 years?
STARHEALTH has achieved 5-year growth rates of: Sales Growth 26.42%, Profit Growth 18.65%, and EPS Growth 14.44%.
What is the promoter holding in STARHEALTH and why does it matter?
Promoters hold 58.02% of STARHEALTH shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is STARHEALTH's market capitalization category?
STARHEALTH has a market capitalization of ₹28287 crores, placing it in the Large-cap category.
How volatile is STARHEALTH stock?
STARHEALTH has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for STARHEALTH?
STARHEALTH has a 52-week high of ₹N/A and low of ₹N/A.
What is STARHEALTH's operating profit margin trend?
STARHEALTH has a 5-year average Operating Profit Margin (OPM) of 0.38%, indicating the company's operational efficiency.
How is STARHEALTH's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 7.87% and YoY Profit Growth of -50.67%.
What is the institutional holding pattern in STARHEALTH?
STARHEALTH has FII holding of 13.51% and DII holding of 21.09%. Significant institutional holding often suggests professional confidence in the stock.