Star Health Insurance Intrinsic Value
Star Health Insurance intrinsic value. Star Health Insurance (STARHEALTH) median intrinsic value is ₹203.59 from 9 valuation models (range ₹129–₹433), vs current price ₹530.35 — -61.6% downside (Trading Above Calculated Value), margin of safety -100.0%. Compare with STARHEALTH fundamental valuation to assess whether the stock is under or overvalued.
STARHEALTH Valuation Methods Summary — DCF, Graham Number & P/E
Star Health Insurance intrinsic value across 9 models vs current price ₹530.35 — upside/downside and value range per method. For current market price and key ratios, visit Star Health Insurance share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹171.60 | ₹137.28 - ₹205.92 | -67.6% | EPS: ₹14.30, Sector P/E: 12x |
| Book Value Method | asset | ₹128.83 | ₹115.95 - ₹141.71 | -75.7% | Book Value/Share: ₹128.83, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹260.07 | ₹234.06 - ₹286.08 | -51.0% | Revenue/Share: ₹325.09, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹212.14 | ₹190.93 - ₹233.35 | -60.0% | EBITDA: ₹1144.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹432.91 | ₹346.33 - ₹519.49 | -18.4% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹159.10 | ₹143.19 - ₹175.01 | -70.0% | EPS Growth: 7.5%, Fair P/E: 6.0x |
| Growth Adjusted P/E | growth | ₹159.10 | ₹143.19 - ₹175.01 | -70.0% | Revenue Growth: 12.1%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹265.18 | ₹238.66 - ₹291.70 | -50.0% | ROE: 11.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹203.59 | ₹183.23 - ₹223.95 | -61.6% | EPS: ₹14.30, BVPS: ₹128.83 |
STARHEALTH Intrinsic Value vs Market Price — All Valuation Models
Star Health Insurance fair value range ₹129–₹433 vs current market price ₹530.35 across 9 valuation models. Read STARHEALTH dividend yield for the complete payout history and dividend yield track record.
STARHEALTH Intrinsic Value Analysis — Undervalued or Overvalued?
Star Health Insurance median intrinsic value ₹203.59, current price ₹530.35 — Trading Above Calculated Value by 61.6%, margin of safety -100.0%.
What is the intrinsic value of STARHEALTH?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Star Health Insurance (STARHEALTH) is ₹203.59 (median value). With the current market price of ₹530.35, this represents a -61.6% variance from our estimated fair value.
The valuation range spans from ₹128.83 to ₹432.91, indicating ₹128.83 - ₹432.91.
Is STARHEALTH undervalued or overvalued?
Based on our multi-method analysis, Star Health Insurance (STARHEALTH) appears to be trading above calculated value by approximately 61.6%.
STARHEALTH Financial Health — Key Ratios vs Industry Benchmarks
Star Health Insurance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 11.1% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -3.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 2.38x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
STARHEALTH Cash Flow Quality — Operating & Free Cash Flow
Star Health Insurance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹1,874 Cr | ₹1,341 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹1,379 Cr | ₹804 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹1,310 Cr | ₹722 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,276 Cr | ₹728 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹56 Cr | ₹-1,837 Cr | Positive Operating Cash Flow | 6/10 |