Star Health and Allied Insurance Company Limited
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 Β 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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 23.0%
Concerns1
- Low return on equity of 9.2%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ16.10 K Cr | β | βΉ646.00 Cr | β | β | 9.2% | 14.8% | -23.6% |
| Mar 2024 | βΉ14.02 K Cr | β | βΉ845.00 Cr | β | β | 13.2% | 15.9% | 36.5% |
| Mar 2023 | βΉ12.10 K Cr | β | βΉ619.00 Cr | β | β | 11.4% | 14.1% | -159.5% |
| Mar 2022 | βΉ10.60 K Cr | β | βΉ-1041.00 | β | β | -22.5% | 109.9% | -4.1% |
| Mar 2021 | βΉ5.05 K Cr | β | βΉ-1086.00 | β | β | -31.1% | 1.3% | -505.2% |
| Mar 2020 | βΉ4.99 K Cr | β | βΉ268.00 Cr | β | β | 16.3% | 32.1% | 109.4% |
| Mar 2019 | βΉ3.77 K Cr | β | βΉ128.00 Cr | β | β | 10.4% | 30.7% | -24.7% |
| Mar 2018 | βΉ2.89 K Cr | β | βΉ170.00 Cr | β | β | 17.7% | 43.5% | 44.1% |
| Mar 2017 | βΉ2.01 K Cr | β | βΉ118.00 Cr | β | β | 14.9% | 26.1% | -13.9% |
| Mar 2016 | βΉ1.59 K Cr | β | βΉ137.00 Cr | β | β | 38.1% | 49.2% | -197.9% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 16,838 |
| Total Expenses | 16,134 |
| EBIT / Operating Profit | 704 |
| OPM % | 4% |
| Other Income | 12 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 716 |
| Tax % | - |
| Net Profit / PAT | 533 |
| EPS (βΉ) | 9.07 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Star Health and Allied Insurance Company Limitedthis co. | βΉ26.41 K Cr | βΉ16.10 K Cr | 49.50 | 3.54 | 22.27 | 14.8% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |