Star Health Insurance Intrinsic Value
STARHEALTH Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹139.08 | ₹111.26 - ₹166.90 | -70.0% | EPS: ₹7.60, Sector P/E: 12x |
| Book Value Method | asset | ₹120.05 | ₹108.05 - ₹132.06 | -74.1% | Book Value/Share: ₹120.05, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹234.97 | ₹211.47 - ₹258.47 | -49.3% | Revenue/Share: ₹293.71, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹185.44 | ₹166.90 - ₹203.98 | -60.0% | EBITDA: ₹602.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹280.18 | ₹224.14 - ₹336.22 | -39.6% | CF Growth: 11.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹139.08 | ₹125.17 - ₹152.99 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹139.08 | ₹125.17 - ₹152.99 | -70.0% | Revenue Growth: 13.0%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹231.80 | ₹208.62 - ₹254.98 | -50.0% | ROE: 6.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹143.28 | ₹128.95 - ₹157.61 | -69.1% | EPS: ₹7.60, 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 ₹143.28 (median value). With the current market price of ₹463.60, this represents a -69.1% 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 69.1%.
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 |
| Return on Equity | 6.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -4.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 2.28x | 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 |