Star Health and Allied Insurance Company Ltd
NSE:STARHEALTH

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Star Health and Allied Insurance Company Ltd Logo
Star Health and Allied Insurance Company Ltd
NSE:STARHEALTH
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Price: 459.7 INR 0.38% Market Closed
Market Cap: 270.1B INR
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Intrinsic Value

The intrinsic value of one STARHEALTH stock under the Base Case scenario is 800.79 INR. Compared to the current market price of 459.7 INR, Star Health and Allied Insurance Company Ltd is Undervalued by 43%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

STARHEALTH Intrinsic Value
800.79 INR
Undervaluation 43%
Intrinsic Value
Price
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Base Case
Best Case

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Star Health and Allied Insurance Company Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
Star Health and Allied Insurance Company Ltd

Current Assets 2.9B
Cash & Short-Term Investments 2.9B
Non-Current Assets 184.3B
Long-Term Investments 164.3B
PP&E 1.8B
Other Non-Current Assets 18.1B
Non-Current Liabilities 117.1B
Long-Term Debt 4.7B
Other Non-Current Liabilities 112.4B
Efficiency

Earnings Waterfall
Star Health and Allied Insurance Company Ltd

Revenue
146.4B INR
Operating Expenses
-139.9B INR
Operating Income
6.4B INR
Other Expenses
2.2B INR
Net Income
8.6B INR

Free Cash Flow Analysis
Star Health and Allied Insurance Company Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

Star Health reported a significant 115% increase in monthly active users and a 17.2% growth in investment assets for Q2 FY '25. However, the combined ratio rose to 103%, reflecting increased claims due to seasonal illnesses and a shift in strategic focus towards corporate business. Looking ahead, they aim to double revenue to INR 30,000 crores by FY '28 and triple profit after tax to INR 2,500 crores. The company is implementing price hikes across 50-60% of products to combat rising medical inflation, while maintaining a robust digital growth strategy.

What is Earnings Call?
Fundamental Scores

STARHEALTH Profitability Score
Profitability Due Diligence

Star Health and Allied Insurance Company Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Exceptional Revenue Growth Forecast
Positive 3-Year Average ROE
Positive Free Cash Flow
Positive 1-Year Revenue Growth
50/100
Profitability
Score

Star Health and Allied Insurance Company Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

STARHEALTH Solvency Score
Solvency Due Diligence

Star Health and Allied Insurance Company Ltd's solvency score is 60/100. The higher the solvency score, the more solvent the company is.

Low D/E
High Altman Z-Score
Long-Term Solvency
Positive Net Debt
60/100
Solvency
Score

Star Health and Allied Insurance Company Ltd's solvency score is 60/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

STARHEALTH Price Targets Summary
Star Health and Allied Insurance Company Ltd

Wall Street analysts forecast STARHEALTH stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for STARHEALTH is 613.28 INR with a low forecast of 494.9 INR and a high forecast of 787.5 INR.

Lowest
Price Target
494.9 INR
8% Upside
Average
Price Target
613.28 INR
33% Upside
Highest
Price Target
787.5 INR
71% Upside
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Dividends

Star Health and Allied Insurance Company Ltd
does not pay dividends
Shareholder Yield

Current shareholder yield for STARHEALTH is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Ownership

STARHEALTH Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Profile

Star Health and Allied Insurance Company Ltd Logo
Star Health and Allied Insurance Company Ltd

Country

India

Industry

Insurance

Market Cap

270.1B INR

Dividend Yield

0%

Description

Star Health & Allied Insurance Co. Ltd. engages in the provision of health insurance services. The company is headquartered in Chennai, Tamil Nadu. The company went IPO on 2021-12-10. The firm provides various health insurance plans for individuals, senior citizens, and families in India. The company also offers student insurance care policies for school and college students that grant compensation in the event of death, disability, or hospitalization expenses; travel protection insurance policies for individuals, families, students, and corporations; and an accident care insurance policy that provides compensation in the event of death. The firm also offers diabetes safe insurance plan, star cardiac care insurance plan, star are micro insurance plan, star hospital cash insurance policy, star outpatient care insurance policy, Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy (Pilot Product), Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. and other policies in its platform.

Contact

TAMIL NADU
Chennai
No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam
+9118004252255
www.starhealth.in

IPO

2021-12-10

Employees

14 273

Officers

MD, CEO & Director
Mr. Anand Shankar Roy
Executive President
Mr. Vishwajeet Mohnot
Chief Financial Officer
Mr. Nilesh Ashok Kambli
Chief Operating Officer
Mr. Amitabh Jain
Chief Investment Officer
Mr. Aneesh Srivastava
Chief Marketing Officer
Mr. Himanshu Walia
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Chief Distribution Officer
Mr. Vikas Sharma
Chief Risk Officer
Mr. Kapil Punwani
Chief Digital Transformation Officer
Mr. Mukesh Sharma
Chief Business Officer
Mr. Biju Menon
Show Less

See Also

Discover More
What is the Intrinsic Value of one STARHEALTH stock?

The intrinsic value of one STARHEALTH stock under the Base Case scenario is 800.79 INR.

Is STARHEALTH stock undervalued or overvalued?

Compared to the current market price of 459.7 INR, Star Health and Allied Insurance Company Ltd is Undervalued by 43%.

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