Care Health Insurance
INR 150.59
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Financials
figures in CR.
| P&L Statement | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| GWP | 2,559.00 | 3,880.00 | 5,141.00 | 6,864.00 | 8,318.00 |
| NEP | 1,980.00 | 3,088.00 | 4,590.00 | 6,047.00 | 6,733.00 |
| Premium Earned | 1,729.00 | 2,510.00 | 3,932.00 | 5,329.00 | 6,347.00 |
| P&L on Sale of investment | 1.90 | 3.60 | 7.00 | 13.00 | 18.00 |
| Interest, Dividend and Rent | 103.00 | 446.00 | 172.00 | 255.00 | 350.00 |
| Others Revenue | 242.00 | 446.00 | 172.00 | 255.00 | 9.00 |
| Total Revenue | 2,075.90 | 2,961.60 | 4,525.00 | 5,678.00 | 6,724.00 |
| Claims Incurred | 953.00 | 1,633.00 | 2,116.00 | 3,074.00 | 4,096.00 |
| Commision | 26.00 | 110.00 | 442.00 | 1,070.00 | 1,357.00 |
| Operating Expenses | 721.00 | 1,070.00 | 1,322.00 | 1,178.00 | 1,222.00 |
| Others Revenue Account | 111.00 | -135.00 | 0.00 | 0.00 | 0.00 |
| Operating Profit | 264.90 | 283.60 | 645.00 | 356.00 | 49.00 |
| Income from Investment | 59.00 | 59.00 | 105.00 | 143.00 | 173.00 |
| Other Income | 0.80 | 0.00 | 0.00 | 0.00 | 2.00 |
| Other Expenses | 247.00 | 325.00 | 420.00 | 89.00 | 15.00 |
| PBT(%) | 75.00 | 15.00 | 327.00 | 410.00 | 208.00 |
| Tax | -26.00 | 4.00 | 82.00 | 105.00 | 53.00 |
| PAT | 101.00 | 11.00 | 245.00 | 305.00 | 155.00 |
| EPS | 1.20 | 0.12 | 2.60 | 3.14 | 1.59 |
| Financial ratios | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Combined Ratio | 98.32 | 112.07 | 98.68 | 99.87 | 105.17 |
| Net-Loss Ratio | 0.55 | 0.65 | 0.54 | 0.58 | 0.65 |
| Mcap/GWP | 6.08 | 4.33 | 3.30 | 2.97 | 1.93 |
| particular | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Fixed Asseta | 48.00 | 94.00 | 56.00 | 42.00 | 34.00 |
| Cash and Balances | 45.00 | 78.00 | 99.00 | 96.00 | 193.00 |
| Investment - Shareholder | 909.00 | 1,105.00 | 1,921.00 | 2,130.00 | 2,466.00 |
| Investment - Policyholder | 1,725.00 | 2,460.00 | 3,155.00 | 4,502.00 | 5,933.00 |
| Advances & Other Assets | 282.00 | 250.00 | 283.00 | 342.00 | 350.00 |
| Total Assets | 3,009.00 | 3,987.00 | 5,514.00 | 7,112.00 | 8,976.00 |
| Share Capital | 841.00 | 908.50 | 942.00 | 972.00 | 974.00 |
| FV | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Reserves and Surplus | 291.00 | 380.00 | 806.00 | 1,198.00 | 1,399.00 |
| Current Liabillties | 791.00 | 1,161.00 | 1,559.00 | 2,002.00 | 3,343.00 |
| Provisions | 1,088.00 | 1,529.00 | 2,213.00 | 2,913.00 | 3,306.00 |
| Other Liabillities | -1.70 | 0.00 | -6.00 | 27.00 | -46.00 |
| Total Liabillties | 3,009.30 | 3,978.50 | 5,514.00 | 7,112.00 | 8,976.00 |
| Cash Flow Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Premium from Policy-Shareholder | 4,695.00 | 6,215.00 | 8,215.00 | 10,745.00 |
| Payment to Re-insurers | 233.00 | 141.00 | 161.00 | 134.00 |
| Payment to Co-insurers, net of recovery | 2.60 | -14.00 | -11.00 | 7.00 |
| Payment of Claims | -2,073.00 | -2,480.00 | -3,462.00 | -4,906.00 |
| Payment of Commission | -476.00 | -788.00 | -1,428.00 | -1,865.00 |
| Payment of Other Operating Expenses | -1,227.00 | -1,297.00 | -1,431.00 | -1,618.00 |
| Other Changes | -4.60 | -2.00 | -5.00 | -1,070.00 |
| TAX | -482.70 | -744.00 | -991.00 | -50.00 |
| Cash Flow from Operations | 667.30 | 1,031.00 | 1,048.00 | 1,377.00 |
| Purchase of Fixed Assets | 30.00 | -29.00 | -13.00 | -16.00 |
| Sale of Fixed Assets | 0.80 | 0.14 | 0.00 | 0.17 |
| Purchase of Investments | -1,136.00 | -2,102.00 | -1,956.00 | -2,362.00 |
| Sale of Investments | 0.00 | 46.00 | 57.00 | 73.00 |
| Others | 318.00 | 778.00 | 744.00 | 1,018.83 |
| Cash Flow from Investing | -787.20 | -1,306.86 | -1,168.00 | -1,286.00 |
| Sale of Equity Shares | 153.00 | 296.00 | 116.00 | 6.20 |
| Proceeds from Borrowing | 0.00 | 0.00 | 0.00 | 0.00 |
| Repayments from Borrowings | 0.00 | 0.00 | 0.00 | 0.00 |
| Other | 0.00 | 0.00 | 0.00 | 1.00 |
| Cash Flow from Financing | 153.00 | 296.00 | 116.00 | 7.20 |
| Net Cash Generated | 33.10 | 20.14 | -4.00 | 98.20 |
| Cash at the Start | 45.00 | 79.00 | 100.00 | 96.00 |
Peer Ratio
| Particulars (Cr) | P/E | EPS | Mcap | Revenue |
|---|---|---|---|---|
| NSE | - | 97 | 13,500 | 4,073 |
| NSE | - | 0 | 0 | 2,717 |
| NSE | - | 0 | 32,000 | 5,141 |