Star Health and Allied Insurance Company Limited Logo

Star Health and Allied Insurance Company Limited

STARHEALTH.NS

(2.0)
Stock Price

466,15 INR

4.93% ROA

13.06% ROE

38.13x PER

Market Cap.

334.210.158.272,00 INR

6.98% DER

0% Yield

6.48% NPM

Star Health and Allied Insurance Company Limited Stock Analysis

Star Health and Allied Insurance Company Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Star Health and Allied Insurance Company Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (11%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 ROE

The stock's ROE falls within an average range (11.54%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (4.06%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

5 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

6 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (2.377), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 PBV

The stock's elevated P/BV ratio (4.91x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Star Health and Allied Insurance Company Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Star Health and Allied Insurance Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Star Health and Allied Insurance Company Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Star Health and Allied Insurance Company Limited Revenue
Year Revenue Growth
2012 5.297.367.000
2013 7.292.009.000 27.35%
2014 10.691.441.000 31.8%
2015 15.950.721.000 32.97%
2016 20.120.965.000 20.73%
2017 28.875.324.000 30.32%
2018 42.474.190.000 32.02%
2019 55.554.700.000 23.55%
2020 61.691.820.000 9.95%
2021 107.239.659.000 42.47%
2022 120.961.500.000 11.34%
2023 131.749.200.000 8.19%
2023 121.727.800.000 -8.23%
2024 130.566.800.000 6.77%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Star Health and Allied Insurance Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Star Health and Allied Insurance Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 2.776.385.000
2013 3.074.476.000 9.7%
2014 3.867.306.000 20.5%
2015 451.696.000 -756.17%
2016 25.552.000 -1667.75%
2017 55.480.000 53.94%
2018 210.430.000 73.63%
2019 234.040.000 10.09%
2020 316.240.000 25.99%
2021 417.622.000 24.28%
2022 126.079.000 -231.24%
2023 0 0%
2023 33.234.600.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Star Health and Allied Insurance Company Limited EBITDA
Year EBITDA Growth
2012 0
2013 0 0%
2014 -30.876.000 100%
2015 -40.341.000 23.46%
2016 -68.350.000 40.98%
2017 -248.445.000 72.49%
2018 2.383.160.000 110.43%
2019 4.712.620.000 49.43%
2020 -9.718.540.000 148.49%
2021 -13.966.300.000 30.41%
2022 8.264.000.000 269%
2023 15.374.000.000 46.25%
2023 -22.577.000.000 168.1%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Star Health and Allied Insurance Company Limited Gross Profit
Year Gross Profit Growth
2012 5.297.367.000
2013 7.292.009.000 27.35%
2014 10.691.441.000 31.8%
2015 15.950.721.000 32.97%
2016 20.120.965.000 20.73%
2017 28.875.324.000 30.32%
2018 42.474.190.000 32.02%
2019 55.554.700.000 23.55%
2020 61.691.820.000 9.95%
2021 107.239.659.000 42.47%
2022 120.961.500.000 11.34%
2023 131.749.200.000 8.19%
2023 280.528.600.000 53.04%
2024 130.566.800.000 -114.85%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Star Health and Allied Insurance Company Limited Net Profit
Year Net Profit Growth
2012 -1.256.154.000
2013 -933.236.000 -34.6%
2014 -1.400.509.000 33.36%
2015 1.365.759.000 202.54%
2016 1.179.432.000 -15.8%
2017 1.701.548.000 30.68%
2018 1.282.260.000 -32.7%
2019 2.680.020.000 52.15%
2020 -8.255.810.000 132.46%
2021 -10.406.687.000 20.67%
2022 6.185.900.000 268.23%
2023 11.514.000.000 46.27%
2023 8.450.100.000 -36.26%
2024 12.757.200.000 33.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Star Health and Allied Insurance Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 -4
2013 -3 -100%
2014 -4 50%
2015 4 233.33%
2016 3 -50%
2017 4 33.33%
2018 2 -50%
2019 5 60%
2020 -17 131.25%
2021 -19 11.11%
2022 11 280%
2023 20 47.37%
2023 14 -35.71%
2024 22 33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Star Health and Allied Insurance Company Limited Free Cashflow
Year Free Cashflow Growth
2012 1.073.539.000
2013 597.065.000 -79.8%
2014 1.300.974.000 54.11%
2015 1.011.594.000 -28.61%
2016 2.827.829.000 64.23%
2017 5.211.019.000 45.73%
2018 7.213.040.000 27.76%
2019 5.880.978.000 -22.65%
2020 8.186.920.000 28.17%
2021 -340.855.000 2501.88%
2022 11.548.596.000 102.95%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Star Health and Allied Insurance Company Limited Operating Cashflow
Year Operating Cashflow Growth
2012 1.212.750.000
2013 769.200.000 -57.66%
2014 1.474.362.000 47.83%
2015 1.256.031.000 -17.38%
2016 3.212.989.000 60.91%
2017 5.573.635.000 42.35%
2018 7.598.490.000 26.65%
2019 6.218.218.000 -22.2%
2020 8.647.780.000 28.09%
2021 290.429.000 -2877.59%
2022 12.014.496.000 97.58%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Star Health and Allied Insurance Company Limited Capital Expenditure
Year Capital Expenditure Growth
2012 139.211.000
2013 172.135.000 19.13%
2014 173.388.000 0.72%
2015 244.437.000 29.07%
2016 385.160.000 36.54%
2017 362.616.000 -6.22%
2018 385.450.000 5.92%
2019 337.240.000 -14.3%
2020 460.860.000 26.82%
2021 631.284.000 27%
2022 465.900.000 -35.5%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Star Health and Allied Insurance Company Limited Equity
Year Equity Growth
2012 5.351.349.000
2013 1.895.777.000 -182.28%
2014 6.370.717.000 70.24%
2015 7.187.471.000 11.36%
2016 10.301.353.000 30.23%
2017 10.301.353.000 0%
2018 13.926.350.000 26.03%
2019 16.467.690.000 15.43%
2020 42.165.720.000 60.95%
2021 63.959.458.000 34.07%
2022 65.889.000.000 2.93%
2023 67.318.000.000 2.12%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Star Health and Allied Insurance Company Limited Assets
Year Assets Growth
2012 10.114.324.000
2013 8.577.837.000 -17.91%
2014 15.910.017.000 46.09%
2015 17.307.515.000 8.07%
2016 24.533.134.000 29.45%
2017 34.177.144.000 28.22%
2018 50.369.030.000 32.15%
2019 61.267.260.000 17.79%
2020 112.255.080.000 45.42%
2021 152.788.361.000 26.53%
2022 163.577.200.000 6.6%
2023 180.543.200.000 9.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Star Health and Allied Insurance Company Limited Liabilities
Year Liabilities Growth
2012 72.285.000
2013 108.235.000 33.21%
2014 143.841.000 24.75%
2015 204.966.000 29.82%
2016 14.231.781.000 98.56%
2017 23.875.792.000 40.39%
2018 36.442.680.000 34.48%
2019 44.799.570.000 18.65%
2020 70.089.360.000 36.08%
2021 88.828.903.000 21.1%
2022 4.700.000.000 -1789.98%
2023 4.700.000.000 0%

Star Health and Allied Insurance Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
230.89
Net Income per Share
14.97
Price to Earning Ratio
38.13x
Price To Sales Ratio
2.47x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
4.96
EV to Sales
2.48
EV Over EBITDA
178.59
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
334,21 Bil.
Enterprise Value
334,46 Bil.
Graham Number
196.85
Graham NetNet
46.91

Income Statement Metrics

Net Income per Share
14.97
Income Quality
0
ROE
0.13
Return On Assets
0.05
Return On Capital Employed
0.22
Net Income per EBT
0.75
EBT Per Ebit
0.34
Ebit per Revenue
0.25
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
0.25
Pretax Profit Margin
0.09
Net Profit Margin
0.06

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.36
Return on Tangible Assets
0.05
Days Sales Outstanding
0
Days Payables Outstanding
3120345.46
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
54,94
Book Value per Share
300,49
Tangible Book Value per Share
295.6
Shareholders Equity per Share
115.04
Interest Debt per Share
8.03
Debt to Equity
0.07
Debt to Assets
0.03
Net Debt to EBITDA
0.14
Current Ratio
0.2
Tangible Asset Value
172,98 Bil.
Net Current Asset Value
-0,25 Bil.
Invested Capital
-13547398000
Working Capital
-18,16 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
2,56 Bil.
Average Inventory
0
Debt to Market Cap
0.01

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Star Health and Allied Insurance Company Limited Dividends
Year Dividends Growth

Star Health and Allied Insurance Company Limited Profile

About Star Health and Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited provides health insurance products. It offers retail health products to various customer segments, including individuals, families, students, and senior citizens, as well as persons with pre-existing medical conditions across the middle-market customer segment; and group health insurance policies provide to employees of corporates, including SMEs through company health insurance plans. The company also provides personal accident and travel insurance. It distributes its products through individual agents, brokers, corporate agent banks, other corporate agents, and online channel partners comprising web aggregators, as well as directly to customers. As of September 30, 2021, the company had 779 health insurance branches across 25 states and 5 union territories in India. Star Health and Allied Insurance Company Limited was incorporated in 2005 and is based in Chennai, India.

CEO
Mr. Anand Shankar Roy
Employee
17.022
Address
No.1, New Tank Street
Chennai, 600034

Star Health and Allied Insurance Company Limited Executives & BODs

Star Health and Allied Insurance Company Limited Executives & BODs
# Name Age
1 Mr. Nilesh Ashok Kambli
Chief Financial Officer
70
2 Mr. Amitabh Jain
Chief Operating Officer
70
3 Mr. Vikas Sharma
Chief Distribution Officer
70
4 Mr. Mukesh Sharma
Chief Digital Transformation Officer
70
5 Mr. Biju Menon
Chief Business Officer
70
6 Mr. Vishwajeet Mohnot
Executive President
70
7 Mr. Aneesh Srivastava
Chief Investment Officer
70
8 Mr. Anand Shankar Roy
MD, Chief Executive Officer & Director
70
9 Mr. Kapil Punwani
Chief Risk Officer
70
10 Mr. Himanshu Walia
Chief Marketing Officer
70

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