Star Health Insurance Intrinsic Value
STARHEALTH Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹134.29 | ₹107.43 - ₹161.15 | -70.0% | EPS: ₹9.10, Sector P/E: 12x |
| Book Value Method | asset | ₹120.05 | ₹108.05 - ₹132.06 | -73.2% | Book Value/Share: ₹120.05, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹229.25 | ₹206.33 - ₹252.18 | -48.8% | Revenue/Share: ₹286.56, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹179.06 | ₹161.15 - ₹196.97 | -60.0% | EBITDA: ₹716.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹280.18 | ₹224.14 - ₹336.22 | -37.4% | CF Growth: 11.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹134.29 | ₹120.86 - ₹147.72 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹134.29 | ₹120.86 - ₹147.72 | -70.0% | Revenue Growth: 12.3%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹223.82 | ₹201.44 - ₹246.20 | -50.0% | ROE: 7.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹156.78 | ₹141.10 - ₹172.46 | -65.0% | EPS: ₹9.10, BVPS: ₹120.05 |
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Valuation Comparison Chart
STARHEALTH Intrinsic Value Analysis
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 ₹156.78 (median value). With the current market price of ₹447.65, this represents a -65.0% variance from our estimated fair value.
The valuation range spans from ₹120.05 to ₹280.18, indicating ₹120.05 - ₹280.18.
Is STARHEALTH undervalued or overvalued?
Based on our multi-method analysis, Star Health Insurance (STARHEALTH) appears to be trading above calculated value by approximately 65.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 4.49 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.07 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 7.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -3.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 2.22x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
Related Pages for Star Health Insurance
Additional stock information and data for STARHEALTH
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹890 Cr | ₹-319 Cr | Positive Operating Cash Flow | 6/10 |