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Note: These are AI-generated, educational summaries of public NSE
filings — grounded in each document, but not investment advice and possibly incomplete.
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Star Health Q3 FY26 PAT Drops 40% YoY to ₹128 Cr Despite 16.5% Premium Growth
Star Health and Allied Insurance reported a significant 40.4% year-on-year decline in Profit After Tax (PAT) to ₹128.22 crore for the quarter ended December 31, 2025. While Gross Written Premium grew by 16.5% to ₹4,423.43 crore, the bottom line was pressured by a rising combined ratio, which reached 94.31% compared to 92.51% in the previous year. On a positive note, the claims ratio improved to 68.55% from 70.30% YoY. The company also announced the reclassification of two promoter group entities with zero shareholding to the public category.
Key Highlights
Gross Written Premium (GWP) increased 16.5% YoY to ₹4,423.43 crore in Q3 FY26.
Profit After Tax (PAT) fell sharply to ₹128.22 crore from ₹215.14 crore in Q3 FY25.
Combined Ratio deteriorated to 94.31% from 92.51% YoY, indicating higher operating costs.
Claims Ratio showed improvement, declining to 68.55% from 70.30% in the same quarter last year.
Solvency Ratio remains strong at 2.14x, significantly above the regulatory minimum of 1.50x.
👀 What to Watch
Investors should be cautious as the sharp decline in profitability despite strong top-line growth suggests rising operational pressures. Monitor management commentary regarding the increase in the combined ratio and strategies for margin recovery.
