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CARE HEALTH INSURANCE LIMITED

  • www.careinsurance.com
  • Sector: Insurance
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    CARE HEALTH INSURANCE LIMITED

    • Sector: Insurance
    • CHRYSEUM SCORE: 7.50/10.00

    Description: Care Health Insurance offers health & travel insurance to individuals, families & corporates.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    MCap/GDP

    1.57

    AVG MCap / GDP of Peer

    1.83

    Valuation Score

    2.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    28.93%

    PAT Growth

    138.07%

    ROE

    7.06%

    Growth Score

    2.50

    The Growth Score accounts for the growth in Sales and the PAT on a 3 year CAGR basis. It also encompasses how the company’s ROE fares when compared to the average ROE of the industry.

    Key Metrics

    Max Score: 1.50

    Solvency Ratio

    1.68

    Combined Ratio

    103%

    Key Metrics Score

    1.00

    The Solvency Ratio is compared to the standard 1.5 IRDAI benchmark, higher the ratio, higher the score. Combined Ratio is compared to the company’s key competitors.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹147.00 0.00 (0.00%)

As on 15 Sep, 2026
L 112.00 52 Week Range H 160.00
Company Description : Care Health Insurance offers health & travel insurance to individuals, families & corporates. It is one of the leading Standalone Health Insurance company
Company Overview
  • Name of Company CARE HEALTH INSURANCE LIMITED
  • Sector Insurance
  • ISIN INE119J01011
  • Scrip Code CARE HEALTH
  • CIN U66000DL2007PLC161503
  • Pan No AADCR6281N
  • Face Value 10
  • Price ₹ 147.00
  • No. of Shares outstanding 99.59 Cr.
  • Market Cap ₹ 14,639.32 Cr
Financials
  • Revenue from operations ₹ -151.21 Cr.
  • EBITDA ₹ 17.81 Cr.
  • EBITDA Margin % -11.78%
  • Profit After Tax ₹ 12.16 Cr.
  • PAT Margin % 30.45%
  • EPS 0.12
  • Stock P/E 1,225.00
  • Book Value Per Share 26.77
  • P/B 5.49
  • Debt/Equity 0.04
Other Key Statistics
  • 52 week High/Low 160.00/112.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years %
  • EBITDA Growth - 3 years -62.13%
  • PAT Growth - 3 years -63.29%
  • EPS Growth - 3 years -63.51%
  • ROE 0.46%
  • ROCE 0.32%
  • Cash Equivalents 521.88
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY26
Company Name Care Health Insurance Limited Star Health & Allied Insurance Company Niva Bupa Health Insurance Company Ltd
Listing Status Unlisted Listed Listed
Gross Direct Premium 10,031.30 18,621.92 8,585.92
Net Premiums Earned 7,255.94 16,596.69 6,067.57
Total Income 7,769.19 17,370.92 6,473.67
Operating Profit -151.21 362.61 -60.22
PAT 12.16 556.98 130.78
No. of Shares Outstanding 99.59 58.84 184.75
EPS (in ₹) 0.12 9.47 0.71
Share Capital 995.87 588.40 1,847.46
Total Net Worth 2,666.09 7,589.23 3,582.44
Total Assets 10,943.69 23,619.00 11,477.65
Total Debt 100.00 489.92 254.04
Key Metrics:
CMP* 147.00 540.80 81.50
Market Cap (In Cr.) 14,639.32 31,820.67 15,057.13
Market Cap/Sales 1.88 1.83 2.33
EPS (Earnings Per Share) 0.12 9.47 0.71
BVPS (Book Value Per Share) 26.77 128.98 19.39
P/E 1,225.00 57.11 114.79
P/BV 5.49 4.19 4.20
Market Cap/Gross Direct Premium 1.32 1.65 1.82
Market Cap/Premium Earned (Net) 1.83 1.85 2.58
Solvency Margin Ratio 1.68 2.21 3.03
*Market Price in ₹ as on 15 Sep, 2026

Profit Loss

FY26 FY25 FY24 FY23 FY22
Revenue from operations -151.21 48.71 356.02 643.72 282.97
Y-o-Y Revenue Growth -410.43% -86.32% -44.69% 127.49% 7.70%
Other Income 191.14 174.58 142.88 105.06 58.40
Total Income 39.93 223.29 498.90 748.78 341.37
Total Expenses (Excludes Interest and Depreciation) 22.12 15.09 88.83 420.82 325.82
Operating Profit (After deducting Depreciation) -173.33 33.62 267.19 222.90 -42.85
OPM % 114.63 69.02 75.05 34.63 -15.14
EBITDA 17.81 208.20 410.07 327.96 15.55
Depreciation 0.00 0.00 0.00 0.00 0.00
EBIT 17.81 208.20 410.07 327.96 15.55
Interest 0.00 0.00 0.00 0.00 0.00
EBT before Exceptional Items 17.81 208.20 410.07 327.96 15.55
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 17.81 208.20 410.07 327.96 15.55
Tax 5.65 53.02 105.18 82.12 4.05
Net Profit 12.16 155.18 304.89 245.84 11.50
EPS in Rs 0.12 1.56 3.06 2.47 0.12
EPS Change % -92.16% -49.10% 24.02% 2,037.74% -88.75%
EBITDA Change % -91.45% -49.23% 25.04% 2,009.07% -79.40%
Profit growth -92.16% -49.10% 24.02% 2,037.74% -88.75%
ROCE 0.32% 3.67% 8.02% 8.29% 0.57%
ROE 0.46% 7.06% 13.87% 14.05% 0.89%
Debt / Equity Ratio 0.04 0.00 0.00 0.00 0.00
Sales growth 3Years %
Sales growth 5Years %
Dividend per share 0.00 0.00 0.00

Balance Sheet

FY26 FY25 FY24 FY23 FY22
Share Capital 995.87 974.18 972.04 942.23 908.57
Reserves 1,670.22 1,357.02 1,197.78 806.94 380.63
Total shareholders' funds 2,666.09 2,197.74 2,197.74 1,749.17 1,289.20
Borrowings 100.00 0.00 0.00 0.00 0.00
Other Liabilities 5,459.41 3,343.10 2,002.56 1,559.46 1,161.19
Total Liabilities 9,252.24 6,648.74 4,915.23 3,772.88 2,690.36
Fixed Assets 26.56 33.85 41.90 56.18 55.07
Capital WIP 0.00 0.00 0.00 0.00 1.97
Investments 10,943.69 8,399.44 6,632.92 5,076.29 3,566.08
Other Assets 465.01 350.12 301.08 237.30 157.48
Total Assets 10,943.69 9,020.89 7,112.97 5,516.39 3,897.27
Cash Equivalents 521.88 193.46 95.84 99.81 78.69
Total Current liability 5,459.41 3,343.10 2,002.56 1,559.46 1,161.19
Total Assets -Total Current liabilty 5,484.28 5,677.79 5,110.41 3,956.93 2,736.08

Cash Flow

FY26 FY25 FY24 FY23 FY22
Net Cash from / (used in) Operating Activity 1,902.41 1,376.97 1,048.47 1,029.29 667.51
Net Cash from / (used in) Investing Activity -2,001.34 -1,286.39 -1,167.95 -1,305.71 -787.16
Net Cash from / (used in) Financing Activity 423.02 6.20 115.75 295.75 153.16
Net Inc/Dec In Cash And Cash Equivalents 328.42 97.62 -3.97 21.13 33.01

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 83.92 84.27%
Non Promoters 15.66 15.73%

News

CARE HEALTH INSURANCE LIMITED

  • www.careinsurance.com
  • Sector: Insurance
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    CARE HEALTH INSURANCE LIMITED

    • Sector: Insurance
    • CHRYSEUM SCORE: 7.50/10.00

    Description: Care Health Insurance offers health & travel insurance to individuals, families & corporates.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    MCap/GDP

    1.57

    AVG MCap / GDP of Peer

    1.83

    Valuation Score

    2.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    28.93%

    PAT Growth

    138.07%

    ROE

    7.06%

    Growth Score

    2.50

    The Growth Score accounts for the growth in Sales and the PAT on a 3 year CAGR basis. It also encompasses how the company’s ROE fares when compared to the average ROE of the industry.

    Key Metrics

    Max Score: 1.50

    Solvency Ratio

    1.68

    Combined Ratio

    103%

    Key Metrics Score

    1.00

    The Solvency Ratio is compared to the standard 1.5 IRDAI benchmark, higher the ratio, higher the score. Combined Ratio is compared to the company’s key competitors.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹147.00 0.00 (0.00%)

As on 15 Sep, 2026
L 112.00 52 Week Range H 160.00
Company Description : Care Health Insurance offers health & travel insurance to individuals, families & corporates. It is one of the leading Standalone Health Insurance company
Company Overview
  • Name of Company CARE HEALTH INSURANCE LIMITED
  • Sector Insurance
  • ISIN INE119J01011
  • Scrip Code CARE HEALTH
  • CIN U66000DL2007PLC161503
  • Pan No AADCR6281N
  • Face Value 10
  • Price ₹ 147.00
  • No. of Shares outstanding 99.59 Cr.
  • Market Cap ₹ 14,639.32 Cr
Financials
  • Revenue from operations ₹ -151.21 Cr.
  • EBITDA ₹ 17.81 Cr.
  • EBITDA Margin % -11.78%
  • Profit After Tax ₹ 12.16 Cr.
  • PAT Margin % 30.45%
  • EPS 0.12
  • Stock P/E 1,225.00
  • Book Value Per Share 26.77
  • P/B 5.49
  • Debt/Equity 0.04
Other Key Statistics
  • 52 week High/Low 160.00/112.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years %
  • EBITDA Growth - 3 years -62.13%
  • PAT Growth - 3 years -63.29%
  • EPS Growth - 3 years -63.51%
  • ROE 0.46%
  • ROCE 0.32%
  • Cash Equivalents 521.88
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY26
Company Name Care Health Insurance Limited Star Health & Allied Insurance Company Niva Bupa Health Insurance Company Ltd
Listing Status Unlisted Listed Listed
Gross Direct Premium 10,031.30 18,621.92 8,585.92
Net Premiums Earned 7,255.94 16,596.69 6,067.57
Total Income 7,769.19 17,370.92 6,473.67
Operating Profit -151.21 362.61 -60.22
PAT 12.16 556.98 130.78
No. of Shares Outstanding 99.59 58.84 184.75
EPS (in ₹) 0.12 9.47 0.71
Share Capital 995.87 588.40 1,847.46
Total Net Worth 2,666.09 7,589.23 3,582.44
Total Assets 10,943.69 23,619.00 11,477.65
Total Debt 100.00 489.92 254.04
Key Metrics:
CMP* 147.00 540.80 81.50
Market Cap (In Cr.) 14,639.32 31,820.67 15,057.13
Market Cap/Sales 1.88 1.83 2.33
EPS (Earnings Per Share) 0.12 9.47 0.71
BVPS (Book Value Per Share) 26.77 128.98 19.39
P/E 1,225.00 57.11 114.79
P/BV 5.49 4.19 4.20
Market Cap/Gross Direct Premium 1.32 1.65 1.82
Market Cap/Premium Earned (Net) 1.83 1.85 2.58
Solvency Margin Ratio 1.68 2.21 3.03
*Market Price in ₹ as on 15 Sep, 2026

Profit Loss

FY26 FY25 FY24 FY23 FY22
Revenue from operations -151.21 48.71 356.02 643.72 282.97
Y-o-Y Revenue Growth -410.43% -86.32% -44.69% 127.49% 7.70%
Other Income 191.14 174.58 142.88 105.06 58.40
Total Income 39.93 223.29 498.90 748.78 341.37
Total Expenses (Excludes Interest and Depreciation) 22.12 15.09 88.83 420.82 325.82
Operating Profit (After deducting Depreciation) -173.33 33.62 267.19 222.90 -42.85
OPM % 114.63 69.02 75.05 34.63 -15.14
EBITDA 17.81 208.20 410.07 327.96 15.55
Depreciation 0.00 0.00 0.00 0.00 0.00
EBIT 17.81 208.20 410.07 327.96 15.55
Interest 0.00 0.00 0.00 0.00 0.00
EBT before Exceptional Items 17.81 208.20 410.07 327.96 15.55
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 17.81 208.20 410.07 327.96 15.55
Tax 5.65 53.02 105.18 82.12 4.05
Net Profit 12.16 155.18 304.89 245.84 11.50
EPS in Rs 0.12 1.56 3.06 2.47 0.12
EPS Change % -92.16% -49.10% 24.02% 2,037.74% -88.75%
EBITDA Change % -91.45% -49.23% 25.04% 2,009.07% -79.40%
Profit growth -92.16% -49.10% 24.02% 2,037.74% -88.75%
ROCE 0.32% 3.67% 8.02% 8.29% 0.57%
ROE 0.46% 7.06% 13.87% 14.05% 0.89%
Debt / Equity Ratio 0.04 0.00 0.00 0.00 0.00
Sales growth 3Years %
Sales growth 5Years %
Dividend per share 0.00 0.00 0.00

Balance Sheet

FY26 FY25 FY24 FY23 FY22
Share Capital 995.87 974.18 972.04 942.23 908.57
Reserves 1,670.22 1,357.02 1,197.78 806.94 380.63
Total shareholders' funds 2,666.09 2,197.74 2,197.74 1,749.17 1,289.20
Borrowings 100.00 0.00 0.00 0.00 0.00
Other Liabilities 5,459.41 3,343.10 2,002.56 1,559.46 1,161.19
Total Liabilities 9,252.24 6,648.74 4,915.23 3,772.88 2,690.36
Fixed Assets 26.56 33.85 41.90 56.18 55.07
Capital WIP 0.00 0.00 0.00 0.00 1.97
Investments 10,943.69 8,399.44 6,632.92 5,076.29 3,566.08
Other Assets 465.01 350.12 301.08 237.30 157.48
Total Assets 10,943.69 9,020.89 7,112.97 5,516.39 3,897.27
Cash Equivalents 521.88 193.46 95.84 99.81 78.69
Total Current liability 5,459.41 3,343.10 2,002.56 1,559.46 1,161.19
Total Assets -Total Current liabilty 5,484.28 5,677.79 5,110.41 3,956.93 2,736.08

Cash Flow

FY26 FY25 FY24 FY23 FY22
Net Cash from / (used in) Operating Activity 1,902.41 1,376.97 1,048.47 1,029.29 667.51
Net Cash from / (used in) Investing Activity -2,001.34 -1,286.39 -1,167.95 -1,305.71 -787.16
Net Cash from / (used in) Financing Activity 423.02 6.20 115.75 295.75 153.16
Net Inc/Dec In Cash And Cash Equivalents 328.42 97.62 -3.97 21.13 33.01

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 83.92 84.27%
Non Promoters 15.66 15.73%

News

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