Star Health and Allied Insurance Company Ltd.
NSE: STARHEALTHNIFTY500
Analyst consensus:Constructive· 22 analysts
₹574.30+34.9%1Y
Last updated 02:57:06 IST· Public market feed (~15 min delay during market hours)
Star Health and Allied Insurance Company Ltd.: A 30-second snapshot
Star Health and Allied Insurance trades at ₹514, up 44.81% over 12 months and above both its 50-DMA (₹481.92) and 200-DMA (₹466.20), with a trailing PE of 54.16 compressing to a forward PE of 23.66. Net profit margin stands at 2.58% with a quality score of 40 among a peer group of six, while ROE data is unavailable across the tracked period. FCF was positive in 4 of the available years, and 5-year revenue growth was 13.8%.
P/E
54.2
Forward P/E
23.7
ROE
—
Debt / Equity
—
Profit Margin
+2.6%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
49/100
Recent context
- ·No news articles were returned for STARHEALTH in this analysis run; event-driven context such as regulatory developments, claims ratio updates, or management guidance changes is not available.
- ·The stock has delivered 44.81% price appreciation over 12 months and 12.04% over 3 months, with nearest resistance at ₹586.25 and support cluster at ₹437.55–₹450.05.
- ·Mean analyst rating of 1.82 across 22 analysts (1–5 scale, lower = more constructive), with the forward PE at 23.66 suggesting the analyst community anticipates an earnings inflection from the current 2.58% margin base.
Strengths
- +Price is 6.6% above the 50-DMA and 10.3% above the 200-DMA, with RSI at 57.88 in neutral territory — the stock is in a constructive technical position without an overbought reading.
- +FCF was positive in 4 of the available persistence years, indicating the business has generated cash despite thin reported margins.
- +Forward PE of 23.66 represents a substantial discount to the trailing PE of 54.16, suggesting the analyst consensus is pricing in a meaningful step-up in earnings over the next 12 months.
- +5-year revenue growth of 13.8% reflects consistent topline expansion for a business operating in India's structurally underpenetrated health insurance segment.
Weaknesses
- −ROE has not exceeded 15% in any tracked year (roeYearsAbove15 = 0) and the metric is currently unavailable — capital efficiency cannot be benchmarked against peers or evaluated for trend.
- −Net profit margin of 2.58% is thin; combined with a consistency score of 29 and quality score of 40, the business ranks 4th of 6 in the peer group on quality metrics.
- −The 5-year earnings growth figure of 18,800% is a data anomaly almost certainly reflecting a near-zero earnings base in earlier years; historical earnings trajectory cannot be reliably assessed from this figure.
- −Trailing PE of 54.16 is the highest in the peer set — even adjusting for the sector-classification mismatch (health insurer vs. bank peers), the valuation implies a significant earnings recovery that has not yet been demonstrated in margin data.
Open questions
- ?Does the gap between the 2.58% net margin and the forward PE of 23.66 reflect a credible, near-term claims-ratio improvement, or is it dependent on assumptions that may not materialise?
- ?How has Star Health's combined ratio (claims + expenses as a share of premiums) trended over the past four years, and how does it compare with listed peers in the standalone health insurance segment?
- ?Given that ROE has not crossed 15% in any tracked year, what structural changes in pricing, product mix, or cost structure would be required to sustain a higher return profile?
- ?The stock has gained 44.81% in 12 months while fundamental quality scores remain mid-pack — to what extent is the price move explained by multiple expansion versus earnings growth, and which of those drivers is more likely to persist?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| STARHEALTH | Star Health and Allied Insurance Company Ltd.You're viewing | 54.2 | — | 40 |
| Industry avg | across 5 peers | 32.0 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 15.0 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.8 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 16.8 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 29.5 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 69.0 | +11.3% | 20 |
Technical state
Current price
₹514.00
SMA 50
₹481.92
SMA 200
₹466.20
RSI (14)
57.9 (neutral)
From 52w high
-12.3%
1Y return
+44.8%
3M return
+12.0%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
₹450.05
₹439.25
₹437.55
Algorithmic resistance levels
₹586.25
Risk flags
- highearningsGrowth5y reports 18,800% — almost certainly a base-effect artifact from near-zero historical earnings rather than a real figure; treat 5-year earnings growth as unreliable for this stock.
- mediumROE is unavailable and roeYearsAbove15 = 0 across the tracked period; without sustained return-on-equity data, capital efficiency cannot be assessed. DebtToEquity is also missing.
- mediumNet profit margin of 2.58% is thin for a listed insurance business, with a consistency score of 29 and quality score of 40 — ranking 4th of 6 peers on quality.
- mediumSTARHEALTH (health insurer) is grouped with banking and diversified-financial peers; its trailing PE of 54.16 is the highest in the peer set (ranked 5th of 6, most expensive), but the comparison is partly a sector-classification artifact rather than a like-for-like valuation signal.
- lowNews section returned 0 articles; recent event context is unavailable for this analysis run.
Cross-section contradictions
- Stock is up 44.81% over 1 year and trades above both the 50-DMA and 200-DMA, yet the fundamental quality score is 40 and ROE has never exceeded 15% in the tracked period — price momentum and underlying return metrics diverge materially.
- Forward PE of 23.66 is less than half the trailing PE of 54.16, implying the market is pricing in a substantial earnings recovery; however the 2.58% net margin and consistency score of 29 raise questions about whether that recovery pathway is established.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 May 2026 · rotates through NIFTY 500 every ~5 days