Star Health and Allied Insurance Company Limited share price
NSE: STARHEALTH · ISIN INE575P01011
Key numbers
- Market cap
- ₹ 32,842 Cr
- Current price
- ₹ 558.15
- 52-week high / low
- ₹ 625 / 417
- Stock P/E
- 49.2
- Book value
- ₹ 172.4
- Dividend yield
- 0.00%
- ROCE
- 10.5%
- ROE
- 7.5%
- Debt to equity
- 0.06
- Sales growth (3 yrs)
- 14.0%
- Profit growth (3 yrs)
- -3.4%
- 1-year return
- 22.3%
About 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 and families; 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 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.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 4,081 | 4,693 | 4,567 | 4,648 | 5,285 |
| Operating profit | -1 | 602 | 173 | 151 | 755 |
| Net profit | 1 | 438 | 128 | 111 | 550 |
| EPS (₹) | 0.01 | 7.45 | 2.18 | 1.89 | 9.34 |
Concall summary (2026-08-05)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- This marks the fourth successive quarter of improvement in core underwriting profitability, underscoring the consistency of performance. Combined Insurance Service Ratio, CISR, improved by 1.7% from 98.7% in Q1 FY26 to 97% in current quarter Q1 FY27. The investment income for the quarter increased 10% YoY to Rs.
- 386 crore with an annualised ROE increasing from 12.2% in Q1 FY26 to 15.6% in Q1 FY27.
Growth & demand
- Our retail market share was 29% in Q1 FY27 compared to 31% in Q1 of last fiscal.
- D2C fresh business grew 142% year- on-year with 98% of customers being new to insurance.
Margins & costs
- Digital and AI investments remain key strategic initiatives for us and we continue to embed digital across the insurance value chain with clear focus on three outcomes: superior risk selection, faster customer service and a structurally lower cost-to-serve our customers.
- This year the input tax credit is not available and hence you see a 20% year -on increase in this segment.
Capex & expansion
- This proprietary distribution gives us leverage over customer selection, quality of sales and economics of acquisition.
- The first question is on the acquisition cost , and trying to understand the acquisition cost better.
Balance sheet & cash
- So, this arises because of the long -term business done on cash flow basis.
Peers in Insurance - Life
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