Star Health Insurance Intrinsic Value
Star Health Insurance (STARHEALTH) median intrinsic value is ₹186.30 from 8 valuation models (range ₹158–₹280), vs current price ₹527.95 — -64.7% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit Star Health Insurance share price today.
STARHEALTH Valuation Methods Summary — DCF, Graham Number & P/E
Star Health Insurance intrinsic value across 8 models vs current price ₹527.95 — upside/downside and value range per method. Also explore Star Health Insurance share price performance to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹158.39 | ₹126.71 - ₹190.07 | -70.0% | EPS: ₹9.47, Sector P/E: 12x |
| Book Value Method | asset | ₹162.89 | ₹146.60 - ₹179.18 | -69.1% | Book Value/Share: ₹162.89, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹225.81 | ₹203.23 - ₹248.39 | -57.2% | Revenue/Share: ₹282.26, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹280.18 | ₹224.14 - ₹336.22 | -46.9% | CF Growth: 11.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹158.39 | ₹142.55 - ₹174.23 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹158.39 | ₹142.55 - ₹174.23 | -70.0% | Revenue Growth: 11.8%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹263.98 | ₹237.58 - ₹290.38 | -50.0% | ROE: 5.8%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹186.30 | ₹167.67 - ₹204.93 | -64.7% | EPS: ₹9.47, BVPS: ₹162.89 |
STARHEALTH Intrinsic Value vs Market Price — All Valuation Models
Star Health Insurance fair value range ₹158–₹280 vs current market price ₹527.95 across 8 valuation models. Browse STARHEALTH annual financials for revenue, profit, balance sheet and cash flow data.
STARHEALTH Intrinsic Value Analysis — Undervalued or Overvalued?
Star Health Insurance median intrinsic value ₹186.30, current price ₹527.95 — Trading Above Calculated Value by 64.7%, 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 ₹527.95, this represents a -64.7% variance from our estimated fair value.
The valuation range spans from ₹158.39 to ₹280.18, indicating ₹158.39 - ₹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 64.7%.
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 |