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STARHEALTH — STAR HEALTH & AL INS CO L

Structural concernsWeak profitability

Price History

Data as of 26 Jun 2026· via fincrux

How STARHEALTH has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Upper end of its 12-month range96% of range

Trading about 38% above its 12-month low and near recent highs — historically pricier territory for this stock. It sits above its 200-day average, the longer-term trend.

₹419 low₹584 high
vs 50-day avg
+9.6%
vs 200-day avg
+20.0%
Beginner mode
Plain English, with everything explained

STARHEALTH

NSE

STAR HEALTH & AL INS CO L

Financials / Insurance

₹577.10
0.00%
last close
0%
Quality Score
A mixed pictureBig money buying

STAR HEALTH & AL INS CO L passes 2 of 3 checks. There's something to like here, but also a few things to be careful about. Read the four checks below before forming a view.

Company size
₹34144.00 Cr
Price tag
61.3×
Money it earns
6.7%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.05goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 6.7%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Aligned

Professional investors have been holding steady or buying more — a quiet vote of confidence.

FII+DII 35.4%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • Star Health & Allied Insurance Ltd (Star) is India’s first Standalone Health Insurance provider and is the largest private health insurer in India with a market share of 15.8% in the Indian health insurance market in…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What STARHEALTH owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings720470470470490
Equity Capital576582585588588
Reserves4,0454,8625,7996,4718,990
Total Assets13,51415,22617,76820,78523,619
Total Liabilities13,51415,22617,76820,78523,619

Loan book steady

Borrowings have stayed broadly steady over the retained years. For a financial company that reflects a stable funding base.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for STARHEALTH — does it earn money consistently?

Potential turnaroundPotential turnaround (pattern in the data)

After one or more loss-making years, the most recent year is back in profit. That's a pattern in the data, not a forecast.

−₹1,041 Cr
₹619 Cr
₹845 Cr
₹646 Cr
₹557 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹10,602 Crrev ₹12,096 Crrev ₹14,021 Crrev ₹16,101 Crrev ₹17,825 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about STARHEALTH — observations, not recommendations.

Strengths

3
  • Borrowing is well within the relaxed range we use for financial companies.
  • Large professional investors have been holding steady or adding to their stake.
  • Recent results show a return to profit after weaker years — a turnaround pattern in the data.

Risks

2
  • Profit generated from the money invested has been on the weaker side.
  • Sits near the top of its 12-month range — historically pricier territory for this stock.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
15.1%+1.2 pp
DII· Domestic institutions
20.3%-0.8 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / Insurance score on the same four guardrails.

  • ICICIGIICICI LOMBARD GIC LIMITED100
  • LICILIFE INSURA CORP OF INDIA84
  • SBILIFESBI LIFE INSURANCE CO LTD81
  • GICREGENERAL INS CORP OF INDIA81
  • HDFCLIFEHDFC LIFE INS CO LTD63
View the full sector