Star Health & Allied Insurance Company Ltd, Fundamental analysis

Industry Industry name	Insurance
Variance Full Year Net Profit Variance	-7
Equity Latest Equity	588.58
Face Value Latest Face Value	10
Reserves Total Reserve	8989.72
Dividend Full Year Dividend %	0
Sales Turnover Full Year Net Sales	16606.08
Net Profit Full Year Net Profit	556.98
Full Year CPS Full Year Cash Per Share	9.5
Earning Per Share Full Year Earning Per Share	9.5
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	4330.74
Previous EPS Previous earnings per share	0
Book Value Book value	162.7
Networth Full Year Return on Networth	9.41
Price/Book Value Price to Book value	3.589428
Yearly PE ratio Full Year Price to Earning per share	61.7
Yearly PC ratio Full Year Price to Cash Per Share	61.7
Bse value BSE Value in lakhs	273.52
Nse value NSE Value in lakhs	2960.22
High 52 week high	605
Low 52 week low	416
Price NSE Current market price	584
CPM Current market price	584

Market cap BSE / NSE Market Cap	34358.18
Net profit Latest Quarter Net Profit	111.34
Net profit variance Latest Quarter Net Profit variance	21731
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	13920.34
TTM OP Trailing Twelve 12 month Operating Profit	1152.37
TTM OPM Trailing Twelve 12 month Operating Profit Margin	8.28
TTM GP Trailing Twelve 12 month Gross Profit	754.33
TTM GPM Trailing Twelve 12 month Gross Profit Margin	4.54
TTM NP Trailing Twelve 12 month Net Profit	862.09
TTM NPV Trailing Twelve 12 month Net Profit Variane	-11.6
TTM EPS Trailing Twelve 12 month EPS	9.46
TTM PE Trailing Twelve 12 month PE	61.71
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	588.58
LTP Latest Price (BSE/NSE)	584
Gross block Latest Gross Block	775.84
Loans Total loans	470
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	4.5
Year GPM Full Year Gross Profit Margin	4.5
Quarter OPM Latest quater Operation Profit Margin	3.5

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	3,520	3,704	3,800	3,798	3,938	4,081	4,250	4,327
YOY Sales Growth %	16%	16%	15%	12%	12%	10%	12%	14%
Gross Sales	3,520	3,704	3,800	3,798	3,938	4,081	4,250	4,327
Other Operating Income	295	354	346	283	295	297	316	321
+ Expenses	3,096	3,557	3,514	3,806	3,587	4,006	4,079	4,180
Manufacturing Cost %	84%	92%	89%	94%	87%	93%	89%	87%
Employee Cost %	11%	12%	11%	12%	10%	11%	12%	15%
Other Cost %	-7%	-8%	-8%	-6%	-6%	-6%	-6%	-5%
Other Manufacturing Expenses %	84%	92%	89%	94%	87%	93%	89%	87%
Selling & Administration %	2%	1%	2%	1%	1%	2%	2%	2%
Provisions & Contingencies %	0%	0%	0%	0%	0%	0%	0%	0%
Operating Profit	425	147	285	-7	351	75	172	148
OPM %	12%	4%	8%	-0%	9%	2%	4%	3%
+ Other Income	1	2	2	6	1	3	2	4
Miscellaneous Income	1	2	1	7	1	2	1	4
Gain on Forex Transaction	0	0	1	0	-1	1	0	0
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	426	149	287	-1	352	78	173	151
+ Tax %	25%	25%	25%	159%	25%	29%	26%	26%
Current Tax	107	38	72	-1	90	23	45	40
Net Profit	319	111	215	1	263	55	128	111
EPS in Rs

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	5,050	10,602	12,096	14,021	16,101
Sales Growth %		110%	14%	16%	15%
Gross Sales		9,809	11,262	12,938	14,822
Other Operating Income		793	835	1,083	1,279
+ Expenses	6,451	12,007	11,275	12,899	15,252
Manufacturing Cost %	98%	95%	74%	75%	79%
Employee Cost %	23%	13%	12%	12%	11%
Other Cost %	6%	6%	7%	6%	6%
Other Manufacturing Expenses %	98%	95%	74%	75%	79%
Selling & Administration %	3%	4%	4%	3%	3%
Miscellaneous Expenses %	3%	2%	2%	2%	2%
Provisions & Contingencies %		0%	0%	0%	0%
Operating Profit	-1,400	-1,405	821	1,123	849
OPM %	-28%	-13%	7%	8%	5%
+ Other Income	0	8	6	6	12
Miscellaneous Income		8	6	6	11
Gain on Forex Transaction		0	0	0	1
Interest	0	0	0	0	0
Depreciation	46	43	52	59	71
Profit before tax		-1,397	826	1,129	861
+ Tax %		25%	25%	25%	25%
Current Tax	54	-9	0	73	208
Deferred Tax	-414	-347	208	211	7
+ Net Profit		-1,041	619	845	646
Profit Growth %			-159%	37%	-24%
EPS in Rs

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	548	576	582	585	588
Reserves	2,947	4,045	4,862	5,799	6,471
+ Borrowings	250	720	470	470	470
Unsecured Borrowings	250	720	470	470	470
+ Other Liabilities	6,756	8,174	9,313	10,914	13,255
Current Liabilities	6,759	8,163	9,299	10,853	13,202
Provisions	5,195	6,202	7,269	8,375	9,081
Equity Application Money	0	0	0	0	0
Other liability items	-3	11	14	61	53
Total Liabilities	10,501	13,514	15,226	17,768	20,785
+ Fixed Assets	183	113	217	159	161
Gross Block	420	372	526	524	580
Accumulated Depreciation	237	259	308	365	419
CWIP	19	4	10	16	24
Investments	6,733	11,373	13,276	15,491	17,898
+ Other Assets	3,565	2,024	1,723	2,102	2,701
Cash Equivalents	1,879	564	309	445	668
Loans n Advances	1,686	1,460	1,413	1,657	2,033
Other asset items	0	0	0	0	0
Total Assets	10,501	13,514	15,226	17,768	20,785

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	890	56	1,276	1,310	1,379
Direct Taxes Paid	-91	6	14	-98	-189
+ Cash from Investing Activity	-2,418	-3,786	-1,097	-1,177	-1,151
Purchase of Fixed Assets	-46	-63	-47	-123	-83
Sale of Fixed Assets	0	0	0	1	1
Purchase of Investments	-34,868	-156,627	-131,392	-178,543	-185,763
Sale of Investments	32,127	152,240	129,576	176,509	183,569
Others	369	664	766	979	1,125
+ Cash from Financing Activity	2,613	2,509	-268	23	-4
Proceeds from Issue of Shares	2,645	2,095	61	64	37
Proceeds from Other Long-Term Borrowings	0	470	0	0	0
Repayment of Long-Term Borrowings	0	0	-250	0	0
Others	-6	-29	-4	0	0
Net Cash Flow	1,086	-1,221	-89	156	224