Star Health and Allied Insurance Company Ltd
Ticker: STARHEALTH
Decent
66/100
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Investing Reference
Price
485.10
Market Cap
28514.49
Debt/Equity
0.0666
ROE %
9.609
PB
4.0394
Promoter %
58.038
Pledge %
0.000
1Y Rev Growth %
14.868
5Y Rev Growth %
26.437
NP Margin %
4.008
NP Margin 5Y Avg %
-3.232
Trading Reference
1M Return %
5.878
6M Return %
26.608
1Y Return %
-13.722
% Away 52W High
17.378
% Away 52W Low
48.213
Daily Volume
795930
Investment Verdict
Risky
Score 59/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 53/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Star Health and Allied Insurance Company Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is potential for significant upside. However, if it falls below the support, downside risks could materialize.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Star Health and Allied Insurance Company Ltd is a leading health insurance provider in India, dedicated to offering comprehensive health coverage to individuals and families. With a focus on customer-centric solutions, Star Health ensures that quality healthcare is accessible to all. The company plays a crucial role in safeguarding the financial well-being of its policyholders against unforeseen medical expenses, making it a trusted choice for health insurance in the Indian market.
- Established leader in health insurance
- Wide range of plans for individuals and families
- Customer-centric approach to service
- Strong financial backing and claim settlement ratio
- Focus on accessible healthcare solutions
Investment Thesis
Star Health and Allied Insurance stands out due to its strong promoter credibility, robust digital service expansion, and attractive valuation compared to peers. This positions the company for sustained growth in the burgeoning health insurance sector.
- Backed by a reputable promoter group, ensuring strong governance and strategic direction.
- Significant growth potential in digital services, enhancing customer experience and operational efficiency.
- Currently trading at attractive valuations relative to industry peers, presenting a compelling investment opportunity.
- Growing awareness of health insurance in India, driving demand for comprehensive coverage.
- Strong financial performance and market positioning in a rapidly expanding sector.
Opportunity vs Risk
Opportunities
- Growing demand for health insurance
- Strong brand recognition in India
- Expansion into rural markets
- Innovative product offerings
- Rising health awareness among consumers
Risks ⚠️
- Intense competition in insurance sector
- Regulatory changes affecting profitability
- High claims ratio impacting margins
- Economic downturns affecting premiums
- Dependence on reinsurance partners
Peer Perspective
Star Health trades at a premium compared to peers like Max Bupa and HDFC ERGO, reflecting its strong growth potential. A focus on margin stability could trigger a rerating, aligning it closer to industry averages.
Future Outlook
Star Health and Allied Insurance Company Ltd is well-positioned for growth, driven by increasing demand for health insurance. However, successful execution of cost control measures will be crucial to enhance profitability and shareholder value.
AI FAQs for Retail Users
- Q: What does Star Health and Allied Insurance Company do?A: Star Health offers health insurance products, including individual and family plans, critical illness coverage, and more.
- Q: Is Star Health a good investment?A: Investing in stocks depends on individual financial goals and risk tolerance. Research is essential before making decisions.
- Q: What are the risks associated with investing in Star Health?A: Market volatility, regulatory changes, and competition in the insurance sector can impact stock performance.
- Q: How can I invest in Star Health shares?A: You can invest through a brokerage account by purchasing shares on the stock exchange.
- Q: What is the company's growth outlook?A: Growth outlook depends on market conditions, company performance, and industry trends. Review financial reports for insights.
📊 Stock Investment Checklist (100 Points)
Star Health and Allied Insurance Company Ltd • Updated: 2025-09-17 17:02:30
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10BusinessHighThe health insurance sector is growing rapidly due to increasing awareness and demand.
-
10GrowthHighThe company has shown consistent revenue growth, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are moderate, with OCF lagging behind net profit.
-
8ValuationHighValuation metrics are higher compared to peers, indicating potential overvaluation.
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7BalanceHighThe balance sheet is relatively strong with manageable debt levels.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding transparency.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
Star Health and Allied Insurance Company Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100