Star Health Allied Insurance Company Ltd

STARHEALTH
Insurance
โ‚น 481.05
Price
โ‚น 28,291
Market Cap
Large Cap
53.07
P/E Ratio

๐Ÿ“Š Score Snapshot

10.61 / 25
Performance
17.34 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
34.96 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 907.75 1,187 878.70 -1,352 -1,397 443.03 210.11 215.00
Adj Cash EBITDA Margin 5.64 8.47 7.26 -12.75 -27.66 8.88 5.57 7.44
Adj Cash EBITDA To EBITDA 0.97 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash EPS 10.56 14.44 10.63 -18.10 - - - -
Adj Cash PAT 620.56 844.87 618.81 -1,042 -1,088 268.08 128.01 170.00
Adj Cash PAT To PAT 0.96 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash PE 33.53 39.42 48.77 - - - - -
Adj EPS 10.98 14.44 10.63 -18.10 - - - -
Adj EV To Cash EBITDA 2.40 14.76 19.42 - - - - -
Adj EV To EBITDA 2.33 14.76 19.42 - - - - -
Adj Number Of Shares 58.78 58.52 58.23 57.58 - - - -
Adj PE 32.20 39.42 48.77 - - - - -
Adj Peg - 1.10 - - - - - -
Bvps 120.09 109.09 93.49 80.25 - - - -
Cash ROCE 8.49 12.24 11.10 -23.32 -38.43 15.64 9.31 17.80
Cash Roic -6.34 -9.99 -8.66 18.52 27.37 -9.50 -6.14 -13.83
Cash Revenue 16,101 14,021 12,096 10,602 5,050 4,987 3,775 2,888
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
EV 2,177 17,525 17,066 31,548 - - - -
EV To EBITDA 2.33 14.76 19.42 - - - - -
EV To Fcff 3.62 22.56 27.51 - - - - -
Fcfe 609.56 781.87 373.81 -592.01 -1,088 263.08 125.01 405.62
Fcfe Margin 3.79 5.58 3.09 -5.58 -21.55 5.28 3.31 14.05
Fcfe To Adj PAT 0.94 0.93 0.60 0.57 1.00 0.98 0.98 2.39
Fcff 601.75 776.70 620.26 -1,066 -1,084 263.64 125.00 177.89
Fcff Margin 3.74 5.54 5.13 -10.05 -21.46 5.29 3.31 6.16
Fcff To NOPAT 0.94 0.92 1.01 1.02 1.00 0.98 0.98 0.93
Market Cap 20,273 32,991 30,181 42,765 - - - -
PB 2.87 5.17 5.54 9.25 - - - -
PE 31.38 39.04 48.76 - - - - -
Peg - 1.09 - - - - - -
PS 1.26 2.35 2.50 4.03 - - - -
ROCE 8.99 13.22 11.01 -22.88 -38.43 15.93 9.53 19.10
ROE 9.60 14.29 12.30 -25.68 -42.36 18.66 11.70 19.43
Roic -6.72 -10.80 -8.59 18.17 27.37 -9.68 -6.29 -14.84
Share Price 344.90 563.75 518.30 742.70 - - - -

๐Ÿ“Š Quarterly Results

Metric Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
Sales 4,378 4,233 4,081 4,146 4,058 3,816 3,688 3,578 3,461 3,293 3,131 3,073 3,002 2,891
Expenses - 4,303 3,882 4,089 3,861 3,912 3,391 3,502 3,191 3,296 2,909 2,996 2,793 2,882 2,605
Other Income - 3.12 0.86 6.45 1.63 2.25 1.41 3.34 0.58 1.82 0.25 1.33 1.73 0.89 1.76
Profit Before Tax 78.00 352.00 -1.00 287.00 149.00 426.00 190.00 388.00 167.00 384.00 136.00 282.00 121.00 288.00
Tax % 29.49 25.28 200.00 25.09 25.50 25.12 25.26 25.26 25.15 25.00 25.00 25.53 23.14 26.04
Net Profit - 55.00 263.00 1.00 215.00 111.00 319.00 142.00 290.00 125.00 288.00 102.00 210.00 93.00 213.00
Profit Excl Exceptional 55.00 263.00 1.00 215.00 111.00 319.00 142.00 290.00 125.00 288.00 102.00 210.00 93.00 213.00
Profit For PE 55.00 263.00 1.00 215.00 111.00 319.00 142.00 290.00 125.00 288.00 102.00 210.00 93.00 213.00
Profit For EPS 55.00 263.00 1.00 215.00 111.00 319.00 142.00 290.00 125.00 288.00 102.00 210.00 93.00 213.00
EPS In Rs 0.93 4.47 0.01 3.66 1.89 5.45 2.43 4.95 2.15 4.95 1.75 3.62 1.61 3.70
PAT Margin % 1.26 6.21 0.02 5.19 2.74 8.36 3.85 8.11 3.61 8.75 3.26 6.83 3.10 7.37
PBT Margin 1.78 8.32 -0.02 6.92 3.67 11.16 5.15 10.84 4.83 11.66 4.34 9.18 4.03 9.96
Tax 23.00 89.00 -2.00 72.00 38.00 107.00 48.00 98.00 42.00 96.00 34.00 72.00 28.00 75.00
Yoy Profit Growth % -51.00 -18.00 -100.00 -26.00 -11.00 11.00 40.00 38.00 35.00 35.00 224.00 136.00 155.00 202.00
Adj Ebit 78.12 351.86 -1.55 286.63 148.25 426.41 189.34 387.58 166.82 384.25 136.33 281.73 120.89 287.76
Adj EBITDA 78.12 351.86 -1.55 286.63 148.25 426.41 189.34 387.58 166.82 384.25 136.33 281.73 120.89 287.76
Adj EBITDA Margin 1.78 8.31 -0.04 6.91 3.65 11.17 5.13 10.83 4.82 11.67 4.35 9.17 4.03 9.95
Adj Ebit Margin 1.78 8.31 -0.04 6.91 3.65 11.17 5.13 10.83 4.82 11.67 4.35 9.17 4.03 9.95
Adj PAT 55.00 263.00 1.00 215.00 111.00 319.00 142.00 290.00 125.00 288.00 102.00 210.00 93.00 213.00
Adj PAT Margin 1.26 6.21 0.02 5.19 2.74 8.36 3.85 8.11 3.61 8.75 3.26 6.83 3.10 7.37
Ebit 78.12 351.86 -1.55 286.63 148.25 426.41 189.34 387.58 166.82 384.25 136.33 281.73 120.89 287.76
EBITDA 78.12 351.86 -1.55 286.63 148.25 426.41 189.34 387.58 166.82 384.25 136.33 281.73 120.89 287.76
EBITDA Margin 1.78 8.31 -0.04 6.91 3.65 11.17 5.13 10.83 4.82 11.67 4.35 9.17 4.03 9.95
Ebit Margin 1.78 8.31 -0.04 6.91 3.65 11.17 5.13 10.83 4.82 11.67 4.35 9.17 4.03 9.95
NOPAT 52.88 262.27 8.00 213.49 108.77 318.24 139.02 289.24 123.50 288.00 101.25 208.52 92.23 211.53
NOPAT Margin 1.21 6.20 0.20 5.15 2.68 8.34 3.77 8.08 3.57 8.75 3.23 6.79 3.07 7.32
Operating Profit 75.00 351.00 -8.00 285.00 146.00 425.00 186.00 387.00 165.00 384.00 135.00 280.00 120.00 286.00
Operating Profit Margin 1.71 8.29 -0.20 6.87 3.60 11.14 5.04 10.82 4.77 11.66 4.31 9.11 4.00 9.89

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015
Sales 16,101 14,021 12,096 10,602 5,050 4,987 3,775 2,888 2,012 1,595 1,069
Interest - - - - - - - 20.00 3.00 2.00 1.00
Expenses - 15,180 12,840 11,223 11,962 6,447 4,544 3,565 2,673 1,871 1,439 1,189
Other Income - 11.75 5.98 5.70 8.10 0.32 0.03 0.11 - - - -
Exceptional Items -0.58 -0.18 -0.25 -1.36 -3.24 0.13 0.01 - - - -
Depreciation 71.00 59.00 52.00 43.00 46.00 29.00 28.00 23.00 20.00 18.00 19.00
Profit Before Tax 861.00 1,129 826.00 -1,397 -1,446 413.00 182.00 171.00 118.00 137.00 -140.00
Tax % 24.97 25.16 25.06 25.48 24.90 35.11 29.67 0.58 - - -
Net Profit - 646.00 845.00 619.00 -1,041 -1,086 268.00 128.00 170.00 118.00 137.00 -140.00
Exceptional Items At 16.00 8.00 - -1.00 -3.00 - - - - - -
Profit Excl Exceptional 630.00 837.00 619.00 -1,039 -1,083 268.00 128.00 170.00 118.00 137.00 -140.00
Profit For PE 630.00 837.00 619.00 -1,039 -1,083 268.00 128.00 170.00 118.00 137.00 -140.00
Profit For EPS 646.00 845.00 619.00 -1,041 -1,086 268.00 128.00 170.00 118.00 137.00 -140.00
EPS In Rs 10.99 14.44 10.63 -18.08 - - - - - - -
PAT Margin % 4.01 6.03 5.12 -9.82 -21.50 5.37 3.39 5.89 5.86 8.59 -13.10
PBT Margin 5.35 8.05 6.83 -13.18 -28.63 8.28 4.82 5.92 5.86 8.59 -13.10
Tax 215.00 284.00 207.00 -356.00 -360.00 145.00 54.00 1.00 - - -
Adj Ebit 861.75 1,128 826.70 -1,395 -1,443 414.03 182.11 192.00 121.00 138.00 -139.00
Adj EBITDA 932.75 1,187 878.70 -1,352 -1,397 443.03 210.11 215.00 141.00 156.00 -120.00
Adj EBITDA Margin 5.79 8.47 7.26 -12.75 -27.66 8.88 5.57 7.44 7.01 9.78 -11.23
Adj Ebit Margin 5.35 8.04 6.83 -13.16 -28.57 8.30 4.82 6.65 6.01 8.65 -13.00
Adj PAT 645.56 844.87 618.81 -1,042 -1,088 268.08 128.01 170.00 118.00 137.00 -140.00
Adj PAT Margin 4.01 6.03 5.12 -9.83 -21.55 5.38 3.39 5.89 5.86 8.59 -13.10
Ebit 862.33 1,128 826.95 -1,394 -1,439 413.90 182.10 192.00 121.00 138.00 -139.00
EBITDA 933.33 1,187 878.95 -1,351 -1,393 442.90 210.10 215.00 141.00 156.00 -120.00
EBITDA Margin 5.80 8.47 7.27 -12.74 -27.59 8.88 5.57 7.44 7.01 9.78 -11.23
Ebit Margin 5.36 8.05 6.84 -13.14 -28.50 8.30 4.82 6.65 6.01 8.65 -13.00
NOPAT 637.75 839.70 615.26 -1,046 -1,084 268.64 128.00 190.89 121.00 138.00 -139.00
NOPAT Margin 3.96 5.99 5.09 -9.86 -21.46 5.39 3.39 6.61 6.01 8.65 -13.00
Operating Profit 850.00 1,122 821.00 -1,403 -1,443 414.00 182.00 192.00 121.00 138.00 -139.00
Operating Profit Margin 5.28 8.00 6.79 -13.23 -28.57 8.30 4.82 6.65 6.01 8.65 -13.00

๐Ÿฆ Balance Sheet

Metric Sep 2025 Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019
Accumulated Depreciation - 419.20 - 364.87 - 308.20 258.65 236.90 195.00 174.70
Average Capital Employed 7,700 7,192 7,333 6,384 - 5,626 4,542 2,820 1,686 1,344
Average Invested Capital -11,720 -9,486 -8,878 -7,774 - -7,159 -5,754 -3,959 -2,776 -2,036
Average Total Assets 19,996 19,276 17,658 16,497 - 14,370 12,008 8,314 5,500 4,110
Average Total Equity 7,230 6,722 6,863 5,914 - 5,032 4,058 2,570 1,436 1,094
Cwip - 24.00 - 16.00 - 10.00 4.00 19.00 12.00 13.00
Capital Employed 7,916 7,529 7,485 6,854 7,181 5,913 5,340 3,745 1,894 1,478
Cash Equivalents 249.00 668.00 295.00 445.00 267.00 309.00 564.00 1,879 611.00 893.00
Fixed Assets 190.00 161.00 185.00 159.00 124.00 217.00 113.00 183.00 90.00 85.00
Gross Block - 580.13 - 523.52 - 525.65 371.78 420.01 285.14 259.29
Invested Capital -12,790 -11,116 -10,649 -7,855 -7,106 -7,692 -6,626 -4,881 -3,037 -2,515
Investments 18,672 17,898 16,431 15,491 14,020 13,276 11,373 6,733 4,290 3,030
Loans N Advances 1,784 78.00 1,408 72.00 - 20.00 29.00 13.00 29.00 70.00
Long Term Borrowings 470.00 - 470.00 - 470.00 - - - 250.00 250.00
Net Debt -18,451 -18,096 -16,256 -15,466 -13,817 -13,115 -11,217 -8,362 -4,651 -3,673
Net Working Capital -12,980 -11,301 -10,834 -8,030 -7,230 -7,919 -6,743 -5,083 -3,139 -2,613
Other Asset Items 374.00 1,955 402.00 1,585 1,227 1,394 1,431 1,673 1,094 781.00
Other Borrowings - 470.00 - 470.00 - 470.00 720.00 250.00 - -
Other Liability Items 13,354 12,845 11,236 10,529 9,415 8,981 7,879 6,494 4,017 3,230
Reserves 6,857 6,471 6,427 5,799 6,127 4,862 4,045 2,947 1,153 773.00
Share Capital 588.00 588.00 588.00 585.00 584.00 582.00 576.00 548.00 491.00 456.00
Short Term Loans And Advances - - - 1,299 958.00 - - - - -
Total Assets 21,270 20,785 18,721 17,768 16,596 15,226 13,514 10,501 6,127 4,872
Total Borrowings 470.00 470.00 470.00 470.00 470.00 470.00 720.00 250.00 250.00 250.00
Total Equity 7,445 7,059 7,015 6,384 6,711 5,444 4,621 3,495 1,644 1,229
Total Equity And Liabilities 21,270 20,785 18,721 17,768 16,596 15,226 13,514 10,501 6,127 4,872
Total Liabilities 13,825 13,726 11,706 11,384 9,885 9,782 8,893 7,006 4,483 3,643
Trade Payables - 411.00 - 385.00 - 332.00 295.00 262.00 216.00 164.00

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -4.00 23.00 -268.00 2,509 2,613 122.00 333.00 249.00
Cash From Investing Activity -1,151 -1,177 -1,097 -3,786 -2,418 -1,006 -731.00 -663.00
Cash From Operating Activity 1,379 1,310 1,276 56.00 890.00 647.00 776.00 557.00
Cash Paid For Purchase Of Fixed Assets -83.00 -123.00 -47.00 -63.00 -46.00 -34.00 -39.00 -36.00
Cash Paid For Purchase Of Investments -185,763 -178,543 -131,392 -156,627 -34,868 -7,587 -3,036 -2,879
Cash Paid For Repayment Of Borrowings - - -250.00 - - - - -1.38
Cash Receipts From Deposits - -35.00 - - - - - -
Cash Received From Borrowings - - - 470.00 - - - 250.00
Cash Received From Issue Of Shares 36.93 64.10 60.80 2,095 2,645 147.49 350.00 -
Cash Received From Sale Of Fixed Assets 1.00 1.00 - - - - 8.00 -
Cash Received From Sale Of Investments 183,569 176,509 129,576 152,240 32,127 6,354 2,155 2,121
Change In Other Working Capital Items - -2,328 - - - - - -
Change In Working Capital -25.00 - - - - - - -
Direct Taxes Paid -189.00 -98.00 14.00 6.00 -91.00 -97.00 -58.00 -
Interest Paid -41.12 -41.12 -74.37 -26.52 -25.60 -25.60 -16.56 -
Interest Received - - - - - - - 132.00
Net Cash Flow 224.00 156.00 -89.00 -1,221 1,086 -237.00 379.00 143.00
Operating Deposits -25.00 - - - - - - -
Other Cash Financing Items Paid - - -4.45 -29.24 -5.55 - - -
Other Cash Investing Items Paid 1,125 979.00 766.00 664.00 369.00 261.00 180.00 -
Other Cash Operating Items Paid 1,567 1,408 1,262 50.00 982.00 - - -
Profit From Operations - - - - - 744.00 835.00 557.00

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Starhealth 2025-09-30 - 13.51 21.09 7.38 0.00
Starhealth 2025-06-30 - 13.89 21.08 6.97 0.00
Starhealth 2025-03-31 - 18.69 15.44 8.22 0.00
Starhealth 2024-12-31 - 17.51 16.49 8.32 0.00
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