Go Digit General Insurance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Attractively priced for its growth - PEG of 0.3
- Company converts assets efficiently - asset turnover of 1.7x
CONS
- Company is loss-making at the operating / net level
- Effective tax rate is unusually low at 0.0% - earnings may be flattered
- Operating margins have contracted to -10.3% from -1.3%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| LICI | 407.30 | 8.58 | 515234.31 | 2.46 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| SBILIFE | 1685.00 | 65.00 | 169064.40 | 0.16 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| HDFCLIFE | 514.35 | 56.58 | 111747.11 | 0.41 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| ICICIGI | 1487.00 | 30.60 | 74290.94 | 0.91 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| ICICIPRULI | 460.00 | 39.63 | 66756.14 | 0.36 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| GICRE | 350.05 | 6.92 | 61412.77 | 3.79 | 1743.67 | -31.10 | 11097.77 | -1.56 | 22.43 | -10.45 |
| NIACL | 205.75 | 44.08 | 33907.60 | 0.73 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| STARHEALTH | 571.40 | 39.84 | 33633.95 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| GODIGIT | 253.50 | 47.63 | 23452.42 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| NIVABUPA | 79.57 | 40.88 | 14717.62 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| CANHLIFE | 149.55 | 108.18 | 14207.25 | 0.27 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,475 | 1,657 | 1,982 | 1,982 | 1,824 | 1,891 | 2,084 | 2,247 | 1,865 | 2,088 | 2,160 | 2,301 | 2,007 | |
| 1,643 | 1,877 | 2,243 | 2,672 | 2,004 | 2,145 | 2,318 | 2,804 | 2,077 | 2,353 | 2,408 | 3,008 | 2,313 | |
| Operating Profit | -168 | -220 | -260 | -690 | -180 | -254 | -234 | -557 | -212 | -265 | -248 | -707 | -306 |
| OPM % | -11.36% | -13.26% | -13.13% | -34.80% | -9.89% | -13.42% | -11.22% | -24.78% | -11.34% | -12.69% | -11.48% | -30.74% | -15.23% |
| 226 | 247 | 303 | 742 | 282 | 343 | 352 | 672 | 372 | 401 | 411 | 880 | 421 | |
| 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 | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 | 115 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.90% | 14.08% | 14.01% | 13.39% | 25.17% |
| Net Profit | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 |
| 0.67 | 0.32 | 0.49 | 0.60 | 1.13 | 0.97 | 1.29 | 1.25 | 1.50 | 1.26 | 1.52 | 1.62 | 0.93 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 8,556 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,082 | |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,526 |
| OPM % | — | — | — | — | — | — | — | — | — | — | -17.83% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 2,112 | |
| 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 | -6 | -70 | -271 | -175 | -123 | -296 | 36 | 182 | 425 | 632 | 586 |
| Tax % | -0.39% | -0.29% | 0.08% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 0.00% | 13.83% | 16.04% |
| Net Profit | -6 | -70 | -271 | -175 | -123 | -296 | 36 | 182 | 425 | 544 | 492 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.08 | 4.60 | 5.89 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 148%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -30%
RETURN ON EQUITY
- 10 Years:
- -36%
- 5 Years:
- 3%
- 3 Years:
- 11%
- Last Year:
- 13%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 9 | 350 | 675 | 817 | 825 | 859 | 874 | 875 | 923 | 924 |
| -6 | -76 | -195 | 314 | 328 | 1,034 | 1,451 | 1,640 | 3,110 | 3,662 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 350 | 350 | 350 | |
| -3 | -274 | -479 | -1,131 | -1,153 | -1,893 | 116 | 204 | 281 | 99 | |
| Total Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 2,441 | 3,070 | 4,664 | 5,036 |
| 0 | 5 | 13 | 20 | 22 | 125 | 161 | 160 | 161 | 154 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 3 |
| Cash & Bank | 1 | 34 | 113 | 74 | 160 | 147 | 279 | 356 | 239 | 219 |
| -2 | -39 | -126 | -95 | -181 | -271 | 2,000 | 2,551 | 4,263 | 4,660 | |
| Total Assets | 0 | 0 | 0 | 0 | 0 | 0 | 2,441 | 3,070 | 4,664 | 5,036 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -5 | 21 | 776 | 1,527 | 2,019 | 3,021 | 3,166 | 1,720 | 1,604 | 2,026 | |
| Cash from Investing | -3 | -324 | -1,040 | -2,057 | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 |
| Cash from Financing | 9 | 341 | 475 | 820 | 159 | 1,003 | 397 | 342 | 1,092 | -28 |
| 1 | 33 | 79 | -39 | 86 | -13 | 133 | 77 | -141 | -22 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - Go Digit General Insurance Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-09-10 - Go Digit General Insurance Limited has informed the Exchange regarding Change in Director(s) of the company.
2026-09-10 - Go Digit General Insurance Limited has informed the Exchange regarding Resignation of Mr Giridhar Aramane as Non- Executive Independent Director of the company w.e.f. September 10, 2026.
2026-09-10 - Go Digit General Insurance Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-09-01 - Go Digit General Insurance Limited has informed the Exchange about Scheme of Arrangement - Receipt of detailed order of the approval of the Scheme from the Competition Commission of India
2026-08-21 - Go Digit General Insurance Limited has informed the Exchange about Schedule of meet
2026-08-20 - Go Digit General Insurance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 18, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-18 - Go Digit General Insurance Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 18, 2026
2026-08-14 - Go Digit General Insurance Limited has informed the Exchange about receipt of NCLT order allowing the first motion application filed in relation to the Scheme
News
Recent coverage and analyst commentary for GODIGIT
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