Go Digit General Insurance Ltd
Incorporated in 2016, Go Digit
General Insurance Ltd provides
motor, health, and other insurances[1]
- Market Cap ₹ 31,848 Cr.
- Current Price ₹ 344
- High / Low ₹ 381 / 265
- Stock P/E 62.4
- Book Value ₹ 50.1
- Dividend Yield 0.00 %
- ROCE 10.8 %
- ROE 11.9 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Stock is trading at 6.87 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Tax rate seems low
- Company has a low return on equity of 7.12% over last 3 years.
- Earnings include an other income of Rs.327 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Insurance General Insurance
Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Allcap BSE Financial Services
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|
| 2,252 | 3,841 | 5,885 | 8,147 | 9,371 | 9,889 | |
| 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,641 | |
| Operating Profit | -114 | -283 | 50 | -269 | 121 | 248 |
| OPM % | -5% | -7% | 1% | -3% | 1% | 2% |
| 0 | -0 | 0 | 468 | 324 | 327 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 9 | 12 | 15 | 18 | 20 | 0 |
| Profit before tax | -123 | -296 | 36 | 182 | 425 | 575 |
| Tax % | 0% | 0% | 0% | 0% | 0% | |
| -123 | -296 | 36 | 182 | 425 | 511 | |
| EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 | 5.53 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 35% |
| TTM: | 9% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 51% |
| TTM: | 41% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 17% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 2% |
| 3 Years: | 7% |
| Last Year: | 12% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 825 | 859 | 874 | 875 | 923 | 923 |
| Reserves | 402 | 1,119 | 1,565 | 1,844 | 3,391 | 3,709 |
| 0 | 0 | 0 | 350 | 350 | 350 | |
| 4,777 | 8,070 | 11,050 | 13,889 | 16,797 | 18,351 | |
| Total Liabilities | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 23,333 |
| 22 | 125 | 161 | 173 | 215 | 159 | |
| CWIP | 81 | 24 | 1 | 2 | 1 | 0 |
| Investments | 5,430 | 9,247 | 12,389 | 15,395 | 19,409 | 21,204 |
| 471 | 652 | 938 | 1,388 | 1,835 | 1,971 | |
| Total Assets | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 23,333 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | |
| -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | |
| 159 | 995 | 397 | 342 | 1,092 | |
| Net Cash Flow | 86 | -13 | 133 | 77 | -141 |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -723 | -719 | -644 | -576 | -592 |
| ROCE % | -18% | 2% | 5% | 11% |
Insights
In beta| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Claims Settled (In-year Count) Lakhs |
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| Combined Ratio (IGAAP) % |
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| Gross Written Premium ₹ Cr |
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| Solvency Ratio Times |
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| Overall Market Share % |
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| Loss Ratio (Total) % |
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| Partner Network Number |
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| Total Customers Served (Cumulative) Cr |
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| Motor Insurance Market Share % |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
10h - Regarding schedule of Analysts / Institutional Investors meet to be held on 19th March 2026
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Update On Disclosure Under Reg 30 Of SEBI Listing Regulations
7 Mar - GST demand ₹154.81 crore and penalty ₹15.48 crore reinstated (6 Mar 2026); company to appeal.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
23 Feb - Go Digit to hold in-person analysts/institutional investor meetings (Kotak, IIFL) on 26 Feb 2026 in Mumbai.
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Announcement under Regulation 30 (LODR)-Investor Presentation
15 Feb - Presentation to be presented on Go Digit''s Analyst day to be held on 16th Feb 2026
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Intimation Of GST Search
6 Feb - DG-GSTI search on 5–6 Feb 2026; summons issued; no adverse findings; company foresees no material impact.
Annual reports
Concalls
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Feb 2026Transcript PPT REC
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Nov 2025Transcript PPT REC
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Oct 2025TranscriptAI SummaryPPT
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Jul 2025Transcript PPT
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Jul 2025TranscriptAI SummaryPPT
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May 2025Transcript PPT REC
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Feb 2025Transcript PPT
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Jan 2025TranscriptAI SummaryPPT
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Jan 2025TranscriptAI SummaryPPT
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Oct 2024Transcript PPT
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Aug 2024Transcript PPT
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Jun 2024Transcript PPT REC
Business Overview:[1]
GDGIL is a digital full stack insurance company which designs products, distributes and provides customer experience for non-life insurance products. Company offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance and other insurance products