Go Digit General Insurance Ltd
Incorporated in 2016, Go Digit
General Insurance Ltd provides
motor, health, and other insurances[1]
- Market Cap ₹ 31,844 Cr.
- Current Price ₹ 345
- High / Low ₹ 408 / 265
- Stock P/E 74.9
- Book Value ₹ 49.7
- Dividend Yield 0.00 %
- ROCE 10.6 %
- ROE 11.7 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Stock is trading at 6.94 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 7.63% over last 3 years.
- Earnings include an other income of Rs.325 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 BSE IPO Nifty Smallcap 100
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|
2,252 | 3,841 | 5,885 | 8,147 | 9,371 | |
2,366 | 4,124 | 5,835 | 8,416 | 9,271 | |
Operating Profit | -114 | -283 | 50 | -269 | 100 |
OPM % | -5% | -7% | 1% | -3% | 1% |
0 | -0 | 0 | 468 | 325 | |
Interest | 0 | 0 | 0 | 0 | 0 |
Depreciation | 9 | 12 | 15 | 18 | 0 |
Profit before tax | -123 | -296 | 36 | 182 | 425 |
Tax % | 0% | 0% | 0% | 0% | 0% |
-123 | -296 | 36 | 182 | 425 | |
EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 35% |
TTM: | 15% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 51% |
TTM: | 134% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | 16% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 8% |
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 | 1,822 | 3,663 |
0 | 0 | 0 | 350 | 350 | |
4,777 | 8,070 | 11,050 | 13,912 | 16,823 | |
Total Liabilities | 6,004 | 10,048 | 13,490 | 16,958 | 21,760 |
22 | 125 | 161 | 173 | 162 | |
CWIP | 81 | 24 | 1 | 2 | 0 |
Investments | 5,430 | 9,247 | 12,389 | 15,395 | 19,464 |
471 | 652 | 938 | 1,388 | 2,134 | |
Total Assets | 6,004 | 10,048 | 13,490 | 16,958 | 21,760 |
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 | -580 |
ROCE % | -18% | 2% | 7% | 11% |
Documents
Announcements
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
1d - Annual Secretarial Compliance Report with minor delay in related party transaction filing and Rs. 5,000 fine.
-
Transparency Report 12
26 May - Go Digit's FY25 Transparency Report details claims ratios, TATs, customer service, and tech innovations.
-
Announcement Under Reg 30 - Reply To BSE Email Received On 22Nd May 2025
22 May - Company clarifies volume spike due to market, no undisclosed info or insider involvement.
-
Clarification sought from Go Digit General Insurance Ltd
22 May - Exchange has sought clarification from Go Digit General Insurance Ltd on May 22, 2025, with reference to Movement in Volume.
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
16 May - Scheduled analyst and investor meetings to discuss Q4 FY2025 results, no new price sensitive information.
Annual reports
Concalls
-
May 2025Transcript PPT REC
-
Feb 2025Transcript PPT
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Jan 2025TranscriptNotesPPT
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Jan 2025TranscriptNotesPPT
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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