Go Digit General Insurance Ltd.

•

godigit.comBSE: 544179NSE: GODIGIT

Market Cap₹ 23,452 Cr.

Current Price

High / Low₹ 381 / 244

Stock P/E47.6

Book Value₹ 51

Price to Book6.57

Dividend Yield0.00 %

ROCE13.6 %

ROE12.6 %

Face Value₹ 10

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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

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

Financial ServicesInsuranceInsurance

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	LICI	407.30	8.58	515234.31	2.46	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1685.00	65.00	169064.40	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	514.35	56.58	111747.11	0.41	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1487.00	30.60	74290.94	0.91	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	460.00	39.63	66756.14	0.36	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	350.05	6.92	61412.77	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	NIACL	205.75	44.08	33907.60	0.73	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
8.	STARHEALTH	571.40	39.84	33633.95	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
9.	GODIGIT	253.50	47.63	23452.42	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.57	40.88	14717.62	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	149.55	108.18	14207.25	0.27	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.58	73.28	73.18	73.12	73.10	73.09	73.03	73.01	73.00
	5.10	5.51	6.47	7.86	8.28	8.48	8.26	8.01	8.23
	16.22	15.57	15.18	15.26	14.38	14.12	14.34	14.62	15.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	5.10	5.63	5.17	3.76	4.23	4.31	4.38	4.35	3.76

Documents

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

2026-09-10

Resignation of Director/KMP/SMP

2026-09-10 - Go Digit General Insurance Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-09-10

Change in Director(s)

2026-09-10 - Go Digit General Insurance Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-09-10

Resignation

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

Resignation of Director/KMP/SMP

2026-09-10 - Go Digit General Insurance Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-09-01

Scheme of Arrangement

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

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-21 - Go Digit General Insurance Limited has informed the Exchange about Schedule of meet

2026-08-20

Shareholders meeting

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

Shareholders meeting

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

Amalgamation/Merger

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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Go Digit General Insurance Ltd.

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Free 5nance Account

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

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

1,824

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

Depreciation

Profit before Tax

101

119

116

161

136

163

173

115

Tax %

0.00%

13.90%

14.08%

14.01%

13.39%

25.17%

Net Profit

101

119

116

138

117

140

149

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

8,556

10,082

Operating Profit

-1,526

OPM %

—

-17.83%

2,112

Interest

Depreciation

Profit before Tax

-6

-70

-271

-175

-123

-296

182

425

632

586

Tax %

-0.39%

-0.29%

0.08%

-0.00%

0.00%

13.83%

16.04%

Net Profit

-6

-70

-271

-175

-123

-296

182

425

544

492

EPS

0.00

2.08

4.60

5.89

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

350

675

817

825

859

874

875

923

924

-6

-76

-195

314

328

1,034

1,451

1,640

3,110

3,662

350

-3

-274

-479

-1,131

-1,153

-1,893

116

204

281

Total Liabilities

2,441

3,070

4,664

5,036

125

161

160

161

154

Capital Work in Progress

Cash & Bank

113

160

147

279

356

239

219

-2

-39

-126

-95

-181

-271

2,000

2,551

4,263

4,660

Total Assets

2,441

3,070

4,664

5,036

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-5

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

341

475

820

159

1,003

397

342

1,092

-28

-39

-13

133

-141

-22

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

73.58

73.28

73.18

73.12

73.10

73.09

73.03

73.01

73.00

5.10

5.51

6.47

7.86

8.28

8.48

8.26

8.01

8.23

16.22

15.57

15.18

15.26

14.38

14.12

14.34

14.62

15.01

Government

0.00

5.10

5.63

5.17

3.76

4.23

4.31

4.38

4.35

3.76

Go Digit General Insurance Ltd.

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

Go Digit General Insurance Ltd.

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