General Insurance Corporation of India

About [ edit ]

General Insurance Corporation of India is engaged in the business of Reinsurance.(Source : 201903 Annual Report Page No:87)

  • Market Cap 35,281 Cr.
  • Current Price 201
  • High / Low 244 / 115
  • Stock P/E 17.9
  • Book Value 172
  • Dividend Yield 0.00 %
  • ROCE -4.14 %
  • ROE -3.37 %
  • Face Value 5.00

Pros

  • Company is almost debt free.
  • Stock is trading at 1.17 times its book value

Cons

  • Company has a low return on equity of 4.12% for last 3 years.
  • Contingent liabilities of Rs.14748.13 Cr.

Peer comparison

Sector: Insurance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
15,855 13,207 8,668 6,967 18,254 13,699 10,033 9,513 14,835 12,308 11,780
15,150 13,310 7,370 5,390 18,150 14,509 11,042 8,764 15,797 11,674 10,249
Operating Profit 706 -102 1,299 1,577 104 -810 -1,009 749 -961 634 1,531
OPM % 4% -1% 15% 23% 1% -6% -10% 8% -6% 5% 13%
Other Income 333 377 -277 -57 56 112 59 374 178 -255 -57
Interest -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 1,038 274 1,021 1,520 159 -698 -950 1,123 -783 379 1,473
Tax % 25% -125% 69% 39% 4% -1% -4% -12% 31% 48% 35%
Net Profit 764 728 377 889 192 -653 -1,036 1,310 -497 228 931
EPS in Rs 4.35 4.15 2.15 5.07 1.09 -3.72 -5.90 7.46 -2.83 1.30 5.31

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
13,616 13,595 15,338 26,776 38,198 44,928 51,927 48,436
14,993 15,160 16,851 27,561 39,900 41,205 52,445 46,484
Operating Profit -1,377 -1,566 -1,512 -786 -1,702 3,724 -518 1,952
OPM % -10% -12% -10% -3% -4% 8% -1% 4%
Other Income 3,822 4,436 4,545 4,573 5,351 145 172 240
Interest 138 33 2 7 12 -0 -0 0
Depreciation 5 9 9 10 8 14 19 0
Profit before tax 2,302 2,829 3,021 3,770 3,630 3,854 -366 2,192
Tax % -1% 1% 11% 13% 12% 32% 24%
Net Profit 2,433 2,891 2,823 3,672 3,146 2,758 -186 1,972
EPS in Rs 282.91 336.16 3.28 4.27 17.93 15.72 -1.06 11.24
Dividend Payout % 24% 11% 19% 27% 38% 43% -0%
Compounded Sales Growth
10 Years:%
5 Years:31%
3 Years:25%
TTM:-1%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:425%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:-16%
1 Year:48%
Return on Equity
10 Years:%
5 Years:5%
3 Years:4%
Last Year:-3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Dec 2020
430 430 430 430 439 877 877 877
Reserves 33,756 43,742 41,445 19,753 23,716 24,615 23,067 29,290
Borrowings -0 -0 -0 -0 -0 -0 -0 -0
29,809 30,745 34,228 77,131 88,329 96,716 96,637 108,944
Total Liabilities 63,995 74,916 76,103 97,314 112,484 122,209 120,581 139,111
118 181 214 192 200 225 209 202
CWIP -0 -0 -0 -0 -0 -0 -0 -0
Investments 46,679 56,758 55,686 66,481 73,791 82,045 70,918 88,112
17,198 17,978 20,203 30,641 38,493 39,938 49,455 50,797
Total Assets 63,995 74,916 76,103 97,314 112,484 122,209 120,581 139,111

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
2,635 6,013 7,901 8,837 7,604 8,617
-2,763 -3,332 -4,414 -5,605 -7,501 -4,016
-387 -650 -1,035 -1,206 -1,428 -1,428
Net Cash Flow -515 2,030 2,452 2,026 -1,324 3,174

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % 3% 3% 7% 7% 13% -4%
Debtor Days -0 -0 -0 -0 -0 -0 -0
Inventory Turnover

Shareholding Pattern

Numbers in percentages

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78
0.30 0.31 0.28 0.26 0.27 0.27 0.26 0.26 0.25 0.22 0.19 0.55
11.95 12.02 12.06 12.07 12.01 11.98 11.98 11.90 11.89 11.78 11.76 11.57
1.96 1.89 1.88 1.89 1.94 1.96 1.98 2.06 2.08 2.22 2.27 2.09

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