Go Digit General Insurance Ltd
₹ 307
-0.68%
13 May
- close price
About
Incorporated in 2016, Go Digit
General Insurance Ltd provides
motor, health, and other insurances[1]
Key Points
- Market Cap ₹ 28,437 Cr.
- Current Price ₹ 307
- High / Low ₹ 381 / 294
- Stock P/E 52.2
- Book Value ₹ 50.4
- Dividend Yield 0.00 %
- ROCE 13.1 %
- ROE 12.1 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Company has delivered good profit growth of 45.1% CAGR over last 5 years
Cons
- Stock is trading at 6.09 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 10.4% over last 3 years.
- Earnings include an other income of Rs.473 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 2,252 | 3,841 | 5,885 | 8,147 | 9,371 | 10,005 | |
| 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,846 | |
| Operating Profit | -114 | -283 | 50 | -269 | 121 | 159 |
| OPM % | -5% | -7% | 1% | -3% | 1% | 2% |
| 0 | -0 | 0 | 468 | 324 | 473 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 9 | 12 | 15 | 18 | 20 | 0 |
| Profit before tax | -123 | -296 | 36 | 182 | 425 | 632 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 14% |
| -123 | -296 | 36 | 182 | 425 | 544 | |
| EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 | 5.89 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 35% |
| 3 Years: | 19% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 45% |
| 3 Years: | 148% |
| TTM: | 30% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 2% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 6% |
| 3 Years: | 10% |
| Last Year: | 12% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 825 | 859 | 874 | 875 | 923 | 924 |
| Reserves | 402 | 1,119 | 1,565 | 1,844 | 3,391 | 3,738 |
| 0 | 0 | 0 | 350 | 350 | 350 | |
| 4,777 | 8,070 | 11,050 | 13,889 | 16,797 | 19,940 | |
| Total Liabilities | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
| 22 | 125 | 161 | 173 | 215 | 157 | |
| CWIP | 81 | 24 | 1 | 2 | 1 | 0 |
| Investments | 5,430 | 9,247 | 12,389 | 15,395 | 19,409 | 22,703 |
| 471 | 652 | 938 | 1,388 | 1,835 | 2,093 | |
| Total Assets | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | 2,026 | |
| -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 | |
| 159 | 995 | 397 | 342 | 1,092 | -28 | |
| Net Cash Flow | 86 | -13 | 133 | 77 | -141 | -22 |
| Free Cash Flow | 1,536 | 2,429 | 2,229 | 1,704 | 1,587 | 2,009 |
| CFO/OP | -1,374% | -875% | 4,456% | -641% | 1,325% | 1,273% |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -723 | -719 | -644 | -576 | -592 | -658 |
| ROCE % | -18% | 2% | 5% | 11% | 13% |
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)-Earnings Call Transcript
6 May - Transcript of Earnings call held on 28th April 2026 for performance review of the Company for the quarter and financial year ended 31st March 2026
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Transparency Report 14
6 May - Go Digit released its 14th Transparency Report for H2 and FY ended 31 March 2026, highlighting claims and service TATs.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
28 Apr - Audio recording of Q4 and FY2025-26 earnings call hosted on company website.
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Announcement Under Regulation 30(LODR) - Appointment Of Tax Auditor.
28 Apr - Go Digit approved FY26 audited results, appointed tax auditor and Chief Legal Claims Officer; auditors issued unmodified opinion.
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Announcement under Regulation 30 (LODR)-Change in Management
28 Apr - Go Digit approved FY26 audited results, appointed tax auditor, and named new Chief Legal Claims and Investigation Officer.
Annual reports
Concalls
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May 2026Transcript PPT REC
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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