Go Digit General Insurance Ltd

Go Digit General Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Go Digit General Insurance Ltd

₹ 358 -2.52%
29 Aug - close price
godigit.com BSE: 544179 NSE: GODIGIT
About

Incorporated in 2016, Go Digit
General Insurance Ltd provides
motor, health, and other insurances[1]

Key Points

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

Website BSE NSE
  • Market Cap ₹ 33,022 Cr.
  • Current Price ₹ 358
  • High / Low ₹ 408 / 265
  • Stock P/E 71.5
  • Book Value ₹ 46.7
  • Dividend Yield 0.00 %
  • ROCE 10.8 %
  • ROE 11.9 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is almost debt free.

Cons

  • Stock is trading at 7.65 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.326 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 BSE MidCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
1,602 1,701 1,905 2,286 2,256 2,105 2,234 2,436 2,595 2,236
1,576 1,643 1,877 2,243 2,672 2,004 2,145 2,318 2,804 2,077
Operating Profit 26 58 28 43 -415 101 89 118 -209 159
OPM % 2% 3% 1% 2% -18% 5% 4% 5% -8% 7%
0 0 0 0 468 0 0 0 325 1
Interest 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit before tax 26 58 28 43 53 101 89 119 116 161
Tax % 0% 0% 0% 0% 0% 0% 0% 0% 0% 14%
26 58 28 43 53 101 89 119 116 138
EPS in Rs 0.29 0.67 0.32 0.49 0.60 1.10 0.97 1.29 1.25 1.50
Raw PDF

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 9,501
2,366 4,124 5,835 8,416 9,250 9,343
Operating Profit -114 -283 50 -269 121 158
OPM % -5% -7% 1% -3% 1% 2%
0 -0 0 468 324 326
Interest 0 0 0 0 0 0
Depreciation 9 12 15 18 20 0
Profit before tax -123 -296 36 182 425 484
Tax % 0% 0% 0% 0% 0%
-123 -296 36 182 425 462
EPS in Rs -1.49 -3.44 0.41 2.08 4.60 5.01
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 35%
TTM: 11%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 51%
TTM: 106%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -7%
Return on Equity
10 Years: %
5 Years: %
3 Years: 7%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 825 859 874 875 923
Reserves 402 1,119 1,565 1,844 3,391
0 0 0 350 350
4,777 8,070 11,050 13,889 16,797
Total Liabilities 6,004 10,048 13,490 16,958 21,461
22 125 161 173 215
CWIP 81 24 1 2 1
Investments 5,430 9,247 12,389 15,395 19,409
471 652 938 1,388 1,835
Total Assets 6,004 10,048 13,490 16,958 21,461

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%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
73.58% 73.28% 73.18% 73.12% 73.10%
5.10% 5.51% 6.47% 7.86% 8.28%
16.22% 15.57% 15.18% 15.26% 14.38%
5.10% 5.62% 5.18% 3.76% 4.24%
No. of Shareholders 67,00063,48466,30171,32166,167

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls