General Insurance Corporation of India

•

gicre.inBSE: 540755NSE: GICRE

Market Cap₹ 61,325 Cr.

Current Price

High / Low₹ 418 / 341

Stock P/E6.9

Book Value₹ 348

Price to Book1.07

Dividend Yield3.79 %

ROCE22.4 %

ROE17.9 %

Face Value₹ 5

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 37.1% CAGR over last 5 years
Institutional investors have been accumulating - FII+DII up 4.8pp
Company has a consistent dividend-paying track record
Company generates healthy free cash flow
Offers a healthy dividend yield of 3.8%
Stock looks reasonably valued - P/E of 6.9 is below its historical median

CONS

Company is loss-making at the operating / net level
Promoter holding has decreased over last 2 years: -8.4pp
Recent results are weak - TTM profit is down 11.8% versus prior year
Operating margins have contracted to -5.4% from 14.8%
Effective tax rate is unusually low at 0.0% - earnings may be flattered

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesInsuranceInsurance

Part ofNIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 150 NIFTY TOTAL MKT BSE Enhanced Value Index

S.No.	Name
1.	LICI	403.70	8.50	510680.31	2.48	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1695.00	65.39	170067.75	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	530.00	58.30	115147.22	0.40	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1459.00	30.02	72892.05	0.93	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	471.25	40.60	68388.76	0.35	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	349.55	6.91	61325.05	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	STARHEALTH	562.20	39.20	33092.42	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
8.	NIACL	198.15	42.45	32655.12	0.76	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
9.	GODIGIT	255.85	48.07	23669.82	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.97	41.09	14791.61	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	151.95	109.92	14435.25	0.26	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	8,696	9,954	7,780	7,274	10,098	8,886	8,478	9,250	11,274	8,925	9,631	9,914	11,098
	10,205	11,590	9,523	7,276	11,431	9,998	9,215	10,210	12,018	9,993	10,363	10,556	12,380
Operating Profit	-1,509	-1,636	-1,743	-2	-1,333	-1,111	-737	-960	-744	-1,068	-733	-642	-1,283
OPM %	-17.35%	-16.43%	-22.40%	-0.03%	-13.20%	-12.51%	-8.70%	-10.38%	-6.60%	-11.96%	-7.61%	-6.48%	-11.56%
	2,662	3,491	3,563	3,098	2,823	3,398	2,921	4,104	3,408	4,383	3,093	3,750	3,474
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	1,154	1,855	1,820	3,096	1,490	2,287	2,184	3,144	2,664	3,315	2,360	3,108	2,315
Tax %	17.64%	13.13%	23.51%	17.50%	24.72%	18.45%	25.66%	24.81%	18.43%	18.61%	25.80%	23.47%	24.66%
Net Profit	0	0	0	0	1,401	1,856	1,677	2,499	2,531	2,874	1,726	2,533	1,744
	5.57	15.20	8.20	14.71	7.98	10.58	9.56	14.24	14.42	16.38	9.84	14.44	9.94

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	0	0	0	39,567
	0	0	0	0	0	0	0	0	0	0	43,292
Operating Profit	0	0	0	0	0	0	0	0	0	0	-3,725
OPM %	—	—	—	—	—	—	—	—	—	—	-9.41%
	18	13	145	172	11	155	504	367	182	485	14,700
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	4,168	3,580	3,973	-274	3,236	3,942	8,361	8,103	9,563	12,109	11,098
Tax %	11.90%	12.15%	30.60%	31.91%	38.45%	39.47%	17.39%	17.49%	22.28%	20.20%	22.76%
Net Profit	3,672	3,146	2,758	-186	1,992	2,386	6,907	6,686	7,432	9,662	8,571
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	38.11	42.36	55.08	—
Dividend Payout %	27.29%	37.65%	42.94%	0.00%	0.00%	16.54%	18.29%	26.24%	23.61%	24.06%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: 12%
5 Years:: 37%
3 Years:: 12%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 19%
3 Years:: 19%
1 Year:: -6%

RETURN ON EQUITY

10 Years:: 13%
5 Years:: 16%
3 Years:: 17%
Last Year:: 18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	430	439	877	877	877	877	877	877	877	877
	19,753	23,716	24,615	23,067	25,376	27,950	35,119	41,058	47,782	58,419
	-20,183	-24,155	-25,492	-23,944	-26,253	-28,827	31,474	43,757	40,140	32,748
Total Liabilities	0	0	0	0	0	0	67,470	85,692	88,800	92,044
	192	200	225	209	200	200	324	318	319	320
Capital Work in Progress	0	0	0	0	0	0	0	0	8	12
Cash & Bank	12,231	14,257	12,933	16,107	18,589	21,451	23,702	24,855	25,281	28,489
	-12,423	-14,457	-13,158	-16,316	-18,788	-21,652	43,444	60,519	63,192	63,224
Total Assets	0	0	0	0	0	0	67,470	85,692	88,800	92,044

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	8,216	9,238	8,942	9,250	14,345	10,515	13,539	-212	1,976	466
Cash from Investing	-4,354	-5,502	-7,865	-4,595	-10,453	-6,827	-9,999	1,677	-926	-2,075
Cash from Financing	-1,035	-1,206	-1,428	-1,428	0	104	-395	-1,263	-1,754	-1,754
	2,512	2,129	-1,688	2,594	2,830	2,328	1,328	202	-704	-3,363

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	85.78	82.40	82.40	82.40	82.40	82.40	82.40	82.40	77.40
	1.05	1.34	1.80	1.93	2.12	2.12	2.12	2.05	2.43
	10.91	13.72	13.70	13.68	13.29	13.10	13.32	13.55	17.73
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	2.25	2.55	2.10	2.00	2.20	2.39	2.16	2.00	2.44

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-01

Copy of Newspaper Publication

2026-09-01 - General Insurance Corporation of India has informed the Exchange about Copy of Newspaper Publication

2026-08-31

Shareholders meeting

2026-08-31 - General Insurance Corporation of India has informed the Exchange regarding Notice of Annual General Meeting to be held on September 22, 2026

2026-08-31

Copy of Newspaper Publication

2026-08-31 - General Insurance Corporation of India has informed the Exchange about Copy of Newspaper Publication

2026-08-20

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - General Insurance Corporation of India has informed the Exchange about Transcript

2026-08-19

Updates

2026-08-19 - General Insurance Corporation of India has informed the Exchange regarding 'Corrigendum Investor Presentation Q1 FY 2027 Financial Results Presentation '.

2026-08-17

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - General Insurance Corporation of India has informed the Exchange about Link of Recording

2026-08-15

General Updates

2026-08-15 - General Insurance Corporation of India has informed the Exchange about General Updates

2026-08-15

Investor Presentation

2026-08-15 - General Insurance Corporation of India has informed the Exchange about Investor Presentation

2026-08-14

Change in Director(s)

2026-08-14 - General Insurance Corporation of India has informed the Exchange regarding Change in Director(s) of the company.

News

Recent coverage and analyst commentary for GICRE

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AI Stock Analyst

General Insurance Corporation of India

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Free 5nance Account

Name

LICI

403.70

8.50

510680.31

2.48

135866.90

23.98

1276231.60

6.69

37.75

-76.97

SBILIFE

1695.00

65.39

170067.75

0.16

7249.30

21.97

200782.10

16.88

14.15

-127.01

HDFCLIFE

530.00

58.30

115147.22

0.40

611.19

11.46

16727.63

15.05

10.01

-98.79

ICICIGI

1459.00

30.02

72892.05

0.93

4031.70

439.66

59500.40

1058.48

23.62

-10.35

ICICIPRULI

471.25

40.60

68388.76

0.35

623.91

61.94

19180.08

17.17

11.82

79.46

GICRE

349.55

6.91

61325.05

3.79

1743.67

-31.10

11097.77

-1.56

22.43

-10.45

STARHEALTH

562.20

39.20

33092.42

0.00

549.73

109.40

4917.20

24.86

9.70

2.89

NIACL

198.15

42.45

32655.12

0.76

-2391.50

-695.39

97472.80

934.31

5.44

-24.14

GODIGIT

255.85

48.07

23669.82

0.00

86.39

-37.55

2006.96

7.61

13.56

-15.23

NIVABUPA

79.97

41.09

14791.61

0.00

137.80

250.70

2273.72

86.37

3.75

-0.22

CANHLIFE

151.95

109.92

14435.25

0.26

281.40

1101.54

20475.20

1138.35

8.35

-112.52

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

8,696

9,954

7,780

7,274

10,098

8,886

8,478

9,250

11,274

8,925

9,631

9,914

11,098

10,205

11,590

9,523

7,276

11,431

9,998

9,215

10,210

12,018

9,993

10,363

10,556

12,380

Operating Profit

-1,509

-1,636

-1,743

-2

-1,333

-1,111

-737

-960

-744

-1,068

-733

-642

-1,283

OPM %

-17.35%

-16.43%

-22.40%

-0.03%

-13.20%

-12.51%

-8.70%

-10.38%

-6.60%

-11.96%

-7.61%

-6.48%

-11.56%

2,662

3,491

3,563

3,098

2,823

3,398

2,921

4,104

3,408

4,383

3,093

3,750

3,474

Interest

Depreciation

Profit before Tax

1,154

1,855

1,820

3,096

1,490

2,287

2,184

3,144

2,664

3,315

2,360

3,108

2,315

Tax %

17.64%

13.13%

23.51%

17.50%

24.72%

18.45%

25.66%

24.81%

18.43%

18.61%

25.80%

23.47%

24.66%

Net Profit

1,401

1,856

1,677

2,499

2,531

2,874

1,726

2,533

1,744

5.57

15.20

8.20

14.71

7.98

10.58

9.56

14.24

14.42

16.38

9.84

14.44

9.94

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

39,567

43,292

Operating Profit

-3,725

OPM %

—

-9.41%

145

172

155

504

367

182

485

14,700

Interest

Depreciation

Profit before Tax

4,168

3,580

3,973

-274

3,236

3,942

8,361

8,103

9,563

12,109

11,098

Tax %

11.90%

12.15%

30.60%

31.91%

38.45%

39.47%

17.39%

17.49%

22.28%

20.20%

22.76%

Net Profit

3,672

3,146

2,758

-186

1,992

2,386

6,907

6,686

7,432

9,662

8,571

EPS

0.00

38.11

42.36

55.08

—

Dividend Payout %

27.29%

37.65%

42.94%

0.00%

16.54%

18.29%

26.24%

23.61%

24.06%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

430

439

877

19,753

23,716

24,615

23,067

25,376

27,950

35,119

41,058

47,782

58,419

-20,183

-24,155

-25,492

-23,944

-26,253

-28,827

31,474

43,757

40,140

32,748

Total Liabilities

67,470

85,692

88,800

92,044

192

200

225

209

200

324

318

319

320

Capital Work in Progress

Cash & Bank

12,231

14,257

12,933

16,107

18,589

21,451

23,702

24,855

25,281

28,489

-12,423

-14,457

-13,158

-16,316

-18,788

-21,652

43,444

60,519

63,192

63,224

Total Assets

67,470

85,692

88,800

92,044

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

8,216

9,238

8,942

9,250

14,345

10,515

13,539

-212

1,976

466

Cash from Investing

-4,354

-5,502

-7,865

-4,595

-10,453

-6,827

-9,999

1,677

-926

-2,075

Cash from Financing

-1,035

-1,206

-1,428

104

-395

-1,263

-1,754

2,512

2,129

-1,688

2,594

2,830

2,328

1,328

202

-704

-3,363

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

85.78

82.40

77.40

1.05

1.34

1.80

1.93

2.12

2.05

2.43

10.91

13.72

13.70

13.68

13.29

13.10

13.32

13.55

17.73

Government

0.00

Public

2.25

2.55

2.10

2.00

2.20

2.39

2.16

2.00

2.44

General Insurance Corporation of India

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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General Insurance Corporation of India

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI