Medi Assist Healthcare Services Ltd Hits All-Time Low Amidst Continued Downtrend

Stock Performance Overview

The stock recorded a day-on-day decline of 1.11%, closing at Rs.385.05, which is its lowest level ever. This drop comes after five consecutive days of losses, cumulatively eroding 7.12% of its value during this period. The trading range remained narrow at Rs.2.45, reflecting subdued volatility despite the downward trend.

When compared with the Sensex, which gained 0.60% on the same day, Medi Assist’s performance was notably weaker. Over the past week, the stock fell 7.45%, while the Sensex declined by only 1.21%. The divergence is more pronounced over longer periods: a 1-month loss of 8.61% against a 1.45% gain in the Sensex, and a 3-month decline of 20.43% versus a 2.20% drop in the benchmark index.

Year-to-date, the stock has lost 16.45%, significantly underperforming the Sensex’s 2.93% decline. Over the last year, Medi Assist Healthcare Services Ltd has posted a negative return of 18.45%, contrasting sharply with the Sensex’s positive 10.89% gain. The stock’s three-year and five-year returns stand at 0.00%, indicating stagnation, while the Sensex has delivered 39.12% and 62.08% respectively over the same periods. The ten-year return for the stock remains flat, whereas the Sensex has surged by 260.04%.

Currently, the stock trades below all key moving averages – 5-day, 20-day, 50-day, 100-day, and 200-day – underscoring the prevailing bearish momentum.

Financial Metrics and Valuation

The company’s latest quarterly results reveal a challenging financial environment. Profit Before Tax Less Other Income (PBT LESS OI) stood at Rs.15.11 crores, reflecting a decline of 23.9% compared to the average of the previous four quarters. Net Profit After Tax (PAT) was Rs.11.11 crores, down 45.4% relative to the same benchmark. Interest expenses reached a quarterly high of Rs.8.39 crores, further pressuring profitability.

Despite these setbacks, the company maintains a Return on Equity (ROE) of 14.05%, indicating a degree of fundamental strength. However, the stock’s valuation remains expensive with a Price to Book Value ratio of 5, which is high relative to its peers. This elevated valuation contrasts with the stock’s recent performance and earnings trajectory.

Over the past year, while the stock price has declined by 18.45%, the company’s profits have increased modestly by 5%, suggesting a disconnect between earnings growth and market valuation.

Relative Performance and Market Position

Medi Assist Healthcare Services Ltd has consistently underperformed the BSE500 index over the last three years. The stock has failed to generate positive returns during this period, while the benchmark index has delivered substantial gains. This persistent underperformance is reflected in the company’s Mojo Score of 23.0 and a Mojo Grade of Strong Sell, which was downgraded from Sell on 2 December 2025.

The company’s Market Cap Grade is rated 3, indicating a mid-tier market capitalisation within its sector. The stock’s performance today aligns with the broader insurance sector’s trend, yet it remains significantly weaker than the Sensex and other benchmark indices.

Sector and Industry Context

Medi Assist Healthcare Services Ltd operates within the insurance industry and sector, which has seen mixed performance in recent months. While the sector has experienced some volatility, Medi Assist’s relative weakness is notable given its fundamental metrics and market position. The stock’s decline contrasts with the broader insurance sector’s more stable performance, highlighting company-specific factors influencing investor sentiment.

The company’s current valuation discount relative to historical peer averages suggests that the market is pricing in ongoing challenges. The combination of declining quarterly profits, rising interest costs, and a high Price to Book ratio contributes to the cautious stance reflected in the stock’s grading and score.

Summary of Key Data Points

• All-time low price: Rs.385.05
• Five-day consecutive decline: -7.12%
• One-year return: -18.45% vs Sensex +10.89%
• Three-year and five-year returns: 0.00% vs Sensex +39.12% and +62.08%
• Latest quarterly PBT LESS OI: Rs.15.11 crores (-23.9%)
• Latest quarterly PAT: Rs.11.11 crores (-45.4%)
• Quarterly interest expense: Rs.8.39 crores (highest recorded)
• ROE: 14.05%
• Price to Book Value: 5
• Mojo Score: 23.0 (Strong Sell, downgraded from Sell on 2 Dec 2025)
• Market Cap Grade: 3

The data underscores a period of sustained pressure on Medi Assist Healthcare Services Ltd’s stock price and financial performance, with the recent all-time low marking a significant milestone in its market journey.

Conclusion

Medi Assist Healthcare Services Ltd’s fall to an all-time low of Rs.385.05 reflects a combination of subdued earnings, elevated interest costs, and valuation concerns. The stock’s consistent underperformance relative to the Sensex and its sector peers over multiple time horizons highlights the challenges faced by the company in maintaining market confidence. Despite a reasonable ROE, the high Price to Book ratio and deteriorating quarterly profits have contributed to a Strong Sell rating and a low Mojo Score. The narrow trading range amid the decline suggests limited volatility but persistent downward pressure. This comprehensive data-driven analysis provides a clear picture of the stock’s current standing within the insurance sector and the broader market.

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