Star Health and Allied Insurance Company Limited
Momentum (86/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveOvervaluedOur blended model reads Star Health and Allied Insurance Company Limited as a Sell at 43/100. At ₹601 it trades above our blended DCF and relative-multiples fair value of ₹300.5, about 50% downside to that estimate — we read it as overvalued by 50%. On 60.8x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹610.4. Financial health scores 46/100, with a Piotroski F-score of 2/9. The average analyst target of ₹580.7 implies about 3% downside across 23 analysts. It clears 5 of 9 investability checks, with durability 31, valuation 0 and momentum 86 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹240.4.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-1.54% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell43Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 14%
- Pass: Earnings growing: 18800%
- Fail: Net margin ≥ 10%: 3.1%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter64.1%
- Institutions23.8%
- Public & other12.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Trading near its 52-week high.
Opportunities
- Earnings growing (18800% YoY).
- Revenue growing (14% YoY).
Bear case
Weaknesses
- Weak Piotroski score (2/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
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, families, children, senior citizens, and persons with pre-existing medical conditions; 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
Star Health and Allied Insurance Company Limited — frequently asked questions
Is Star Health and Allied Insurance Company Limited a buy, hold or sell?
StocksWizard currently rates Star Health and Allied Insurance Company Limited (STARHEALTH) a Sell, based on a blended score of 43/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Star Health and Allied Insurance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates Star Health and Allied Insurance Company Limited's fair value at about ₹300.5, versus a current price of ₹601 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Star Health and Allied Insurance Company Limited financially healthy?
Star Health and Allied Insurance Company Limited scores 46/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Star Health and Allied Insurance Company Limited's share price performed?
Star Health and Allied Insurance Company Limited is up 16% over three months, and last traded at ₹601. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.