Insurance isn't like any other business at all, it's a totally different ball game. Elise collects money up front and then promises to compensate policy holders sometime in the future. The premiums they collect cannot be recognized as revenue so analysts use a figure called the embedded value. With emberred value, you can get a ball park figure of what the company is actually worth to day. How high? Analysts believe it could be in the range of 13 to 14 lacro rupees.