Star Health Insurance Intrinsic Value
Star Health Insurance (STARHEALTH) median intrinsic value is ₹186.30 from 8 valuation models (range ₹163–₹290), vs current price ₹580.80 — -67.9% downside (Trading Above Calculated Value), margin of safety -100.0%. Analyse STARHEALTH shareholding pattern to track promoter, FII and institutional holdings.
STARHEALTH Valuation Methods Summary — DCF, Graham Number & P/E
Star Health Insurance intrinsic value across 8 models vs current price ₹580.80 — upside/downside and value range per method. Read STARHEALTH dividend yield for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹174.24 | ₹139.39 - ₹209.09 | -70.0% | EPS: ₹9.47, Sector P/E: 12x |
| Book Value Method | asset | ₹162.89 | ₹146.60 - ₹179.18 | -72.0% | Book Value/Share: ₹162.89, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹225.81 | ₹203.23 - ₹248.39 | -61.1% | Revenue/Share: ₹282.26, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹280.18 | ₹224.14 - ₹336.22 | -51.8% | CF Growth: 11.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹174.24 | ₹156.82 - ₹191.66 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹174.24 | ₹156.82 - ₹191.66 | -70.0% | Revenue Growth: 11.8%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹290.40 | ₹261.36 - ₹319.44 | -50.0% | ROE: 5.8%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹186.30 | ₹167.67 - ₹204.93 | -67.9% | EPS: ₹9.47, BVPS: ₹162.89 |
STARHEALTH Intrinsic Value vs Market Price — All Valuation Models
Star Health Insurance fair value range ₹163–₹290 vs current market price ₹580.80 across 8 valuation models. For current market price and key ratios, visit Star Health Insurance share price today.
STARHEALTH Intrinsic Value Analysis — Undervalued or Overvalued?
Star Health Insurance median intrinsic value ₹186.30, current price ₹580.80 — Trading Above Calculated Value by 67.9%, margin of safety -100.0%.
What is the intrinsic value of STARHEALTH?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Star Health Insurance (STARHEALTH) is ₹186.30 (median value). With the current market price of ₹580.80, this represents a -67.9% variance from our estimated fair value.
The valuation range spans from ₹162.89 to ₹290.40, indicating ₹162.89 - ₹290.40.
Is STARHEALTH undervalued or overvalued?
Based on our multi-method analysis, Star Health Insurance (STARHEALTH) appears to be trading above calculated value by approximately 67.9%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 5.8% | 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 | 0.70x | Industry Standard: 1.0x+ | Above 0.5x | 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 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 |