insurance
Star Health Insurance
STARHEALTH · Nifty 50
₹533.7
Price 2026-06-17
At a Glance
Fundamental
86/100
STRONG
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
Star Health Insurance scores 86/100 on fundamentals (strong). Star Health Insurance: BROAD EXPANSION regime.
Fundamental Score: 86/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 6.7% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 6.66% is modest margin-driven and stable. Net margin of 2.9% × asset turnover of 0.73x × leverage of 3.2x.
What This Means
Net margin of 2.9% means the company keeps ₹2.9 as profit for every ₹100 of revenue. This is a low-margin business. Asset turnover of 0.73x means the company efficiently uses its assets to generate revenue. Leverage of 3.2x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
2.9%
Financial Health
Peer Comparison
Bank Metrics
Return on Assets
2.09%
Benchmark: >1%
Efficiency Ratio
97.1%
Lower is better
Asset Growth
+15.8%
Year over year
PB Ratio
4.0x
Price to book
ROA of 2.09% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 4.05x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹560 (+5%)
Trend reversal confirmation
Breaks below ₹507 (-5%)
Further downside risk
Insurance sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Strong insider alignment. Promoters have significant skin in the game.
➡️ 1 flags — 1 positive, 0 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes