statements

Star Health and Allied Insurance Company Ltd.

NSE: STARHEALTH

BSE: 543412

Sector: Financial Services

Industry Group: Insurance

Industry: General Insurance

580.30-8.2 (-1.39%)

3 Jul, 3:30 PM

Overview Analysis Statements

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Income Statement

Abridged

Understanding Income Statement

Star Health and Allied Insurance Company Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Premiums Earned	1,911	2,740	3,662	4,684	4,627	9,809	11,262	12,938	14,822	16,597
Net Investment Income	94	136	195	287	420	630	823	1,000	1,115	461
Total Revenue	2,012	2,888	3,858	4,978	5,050	10,602	12,096	14,022	16,101	17,825
Insurance Claims/Reserves - Total	1,157	1,692	2,298	3,087	4,369	8,540	7,320	8,600	10,419	11,375
Underwriting Expenses	95	137	257	340	586	1,492	1,683	1,854	2,241	2,673
Total Operating Expenses	1,891	2,696	3,546	4,533	6,465	11,957	11,186	12,815	15,185	17,080
Operating Profit	121	192	312	444	-1,415	-1,355	910	1,207	916	745
Operating Margin	6.0	6.6	8.1	8.9	-28.0	-12.8	7.5	8.6	5.7	4.2
Profit before Taxes	118	171	267	406	-1,446	-1,397	826	1,129	861	754
Income Taxes	-	1	84	143	-360	-356	208	284	215	197
Profit after Tax	118	170	183	263	-1,086	-1,041	619	845	646	557
PAT Margin	5.9	5.9	4.8	5.3	-21.5	-9.8	5.1	6.0	4.0	3.1
EPS - Basic - ex Extraordinary Items	2.05	2.96	3.19	4.58	-18.86	-18.65	10.70	14.48	11.01	9.47
EPS - Diluted - ex Extraordinary Items	2.05	2.96	3.19	4.58	-18.86	-18.65	10.41	14.19	10.86	9.47
EBIT	121	192	312	444	-1,415	-1,355	910	1,207	916	745
EBITDA	141	215	340	474	-1,369	-1,312	962	1,266	987	745
EBITDA Margin	7.0	7.4	8.8	9.5	-27.1	-12.4	8.0	9.0	6.1	4.2

Balance Sheet

Abridged

Understanding Balance Sheet

Star Health and Allied Insurance Company Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Total Receivables	190	308	419	513	796	241	357	874	1,090	-
Property Plant & Equipment - Net	84	97	98	102	99	117	111	175	185	180
Total Assets	2,213	3,347	4,733	5,994	10,501	13,514	15,226	17,768	20,785	24,064
Insurance Reserves - Total	156	204	362	504	859	940	842	1,102	1,822	-
Long Term Debt	-	250	250	250	250	720	470	470	470	470
Total Liabilities	1,423	2,388	3,240	4,087	7,009	8,883	9,769	11,323	13,672	16,513
Total Shareholders' Equity	789	960	1,493	1,907	3,492	4,631	5,457	6,445	7,112	7,551
Total Equity	789	960	1,493	1,907	3,492	4,631	5,457	6,445	7,112	7,551
Total Liabilities & Equity	2,213	3,347	4,733	5,994	10,501	13,514	15,226	17,768	20,785	24,064

Cash Flow

Abridged

Understanding Cash Flow Statement

Star Health and Allied Insurance Company Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Cash Receipts - Business Activities	-	-	-	-	-	-	-	-	-	-
Cash Payments - Business Activities	-	-	-	-	-	-	-	-	-	-
Net CF from Operating Activities	321	557	776	647	890	56	1,276	1,310	1,379	1,873
Capital Expenditures - Net	38	36	31	34	46	63	47	123	82	77
Net CF from Investing Activities	-497	-663	-731	-1,006	-2,418	-3,786	-1,097	-1,177	-1,151	-1,067
Stock - Issuance/(Retirement) - Net	310	-	350	147	2,639	2,095	61	64	37	10
Debt - LT & ST - Issuance/(Retirement) - Total	-	249	-	-	-	470	-250	-	-	-
Net Cash Flow from Financing Activities	310	249	333	122	2,613	2,509	-268	23	-4	-31
Free Cash Flow to Equity	283	770	746	614	844	463	979	1,187	1,297	1,796
Free Operating CF net dividend	283	521	738	614	844	-8	1,229	1,186	1,296	1,795
Free Operating CF	283	521	738	614	844	-8	1,229	1,186	1,296	1,795

Business Segment Analysis

FY End:

Mar 25

Star Health and Allied Insurance Company Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Health Insurance (95.7%)₹ 15,415.75 CrCorporate (3.2%)₹ 513.50 CrPersonal Accidant (1.0%)₹ 167.01 CrTravel (0.0%)₹ 4.97 Cr

Assets

Health Insurance (59.1%)₹ 12,291.75 CrCorporate (40.1%)₹ 8,344.49 CrPersonal Accidant (0.7%)₹ 141.20 CrTravel (0.0%)₹ 7.18 Cr

Net premium earned

Health Insurance (98.9%)₹ 14,659.34 CrPersonal Accidant (1.1%)₹ 158.32 CrTravel (0.0%)₹ 4.53 Cr

Regional Segment Analysis

FY End:

Mar 25

Star Health and Allied Insurance Company Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 16,101.23 Cr

Assets

India (100.0%)₹ 20,784.62 Cr

Historical Segment Analysis

Track how Star Health and Allied Insurance Company Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Net premium earned

Business

Regional

Business

We don't have enough data to show the Capex for Star Health and Allied Insurance Company Ltd..

Frequently Asked Questions

What is the revenue of Star Health and Allied Insurance Company Ltd.?

The latest trailing twelve month revenue of Star Health and Allied Insurance Company Ltd. is ₹ 17,825.00 Cr, reflecting a 1-year growth of 10.71% and a 3-year CAGR of 13.80%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Star Health and Allied Insurance Company Ltd.?

The latest trailing twelve month net profit (PAT) of Star Health and Allied Insurance Company Ltd. is ₹ 556.99 Cr, with a 3-year earnings CAGR of -3.10%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Star Health and Allied Insurance Company Ltd.?

The trailing twelve month EBITDA of Star Health and Allied Insurance Company Ltd. is approximately ₹ 744.92 Cr (based on an operating margin of 4.18%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Star Health and Allied Insurance Company Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Star Health and Allied Insurance Company Ltd. is 9.47. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Star Health and Allied Insurance Company Ltd.?

The debt-to-equity ratio of Star Health and Allied Insurance Company Ltd. stands at 0.06. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Star Health and Allied Insurance Company Ltd.?

The estimated book value per share of Star Health and Allied Insurance Company Ltd. is 126.51 (derived from a P/B ratio of 4.59 and market price of ₹ 580.30), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Star Health and Allied Insurance Company Ltd.?

The trailing twelve month operating cash flow of Star Health and Allied Insurance Company Ltd. is ₹ 1,873.44 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Star Health and Allied Insurance Company Ltd. report consolidated or standalone financials?

Star Health and Allied Insurance Company Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.