Star Health & Allied Insurance Company Ltd
Star Health & Allied Insurance Company Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Star Health expects continued growth driven by value-driven growth and disciplined underwriting. The company experienced strong top-line growth and improved operating results in Q3 and 9M FY2026, driven by reduction in losses and expense ratio.
From Star Health & Allied Insurance Company Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Star Health expects continued growth driven by value-driven growth and disciplined underwriting.
- Fresh business growth has been strong, with 35% year-on-year growth in fresh business premiums in agency channels for 9M FY2026, and over 66% growth in Q3 FY2026 alone.
- Renewal premium growth is around 16-17%, indicating stable recurring revenue.
- The company is focusing on preferred geographies, demographics, products, and channels that meet ROE thresholds, with preferred segments growing 1.3x the company average.
- Long-term policies are increasing, contributing about 23% fresh business and 51% of Gross Written Premium (GWP), supporting business stability and capital efficiency.
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Profitability & Margins
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Capital Expenditure Plans
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Top-ranked in Insurance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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Star Health & Allied Insurance Company Ltd — Quarterly revenue & net profit
Reported quarterly figures (₹ Cr). Latest (Q4 FY26): revenue ₹4.6K Cr, net profit ₹111 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What Star Health Insu's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q1 FY26 earnings call analysis →
- Q4 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
- Q4 FY23 earnings call →
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Frequently Asked Questions
What were Star Health & Allied Insurance Company Ltd Q3 FY26 results?
Star Health expects continued growth driven by value-driven growth and disciplined underwriting. The company experienced strong top-line growth and improved operating results in Q3 and 9M FY2026, driven by reduction in losses and expense ratio.
What is Star Health & Allied Insurance Company Ltd share price analysis?
Star Health & Allied Insurance Company Ltd currently shows a neutral. The stock trades at a P/E of 41.0 with a market cap of ₹34,614 Cr. Investors should review the full earnings analysis for detailed insights.
Is Star Health & Allied Insurance Company Ltd planning capital expenditure?
The transcript does not specifically mention any current or future capex, capital investment, or strategic investment plans by Star Health and Allied Insurance Company Limited.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.