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Go Digit General Insurance Ltd

₹ 3501.01%
05 Jan – close price
🔗godigit.com•BSE: 544179•NSE: GODIGIT
Market Cap₹ 32,336 Cr.
Current Price₹ 350
High / Low₹ 381
Stock P/E63.6
Book Value₹ 50.2
Dividend Yield0.00 %
ROCE10.8 %
ROE11.9 %
Face Value₹ 10.0
Sales₹ 9,755 Cr.
OPM2.09 %
Mar Cap₹ 32,336 Cr.

ABOUT

Incorporated in 2016, Go DigitGeneral Insurance Ltd providesmotor, health, and other insurances[1]

KEY POINTS

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

Also present in buckets:
Aggressive Growth TriggersExcellent ResultsRevenue GuidanceAsset Base ExpansionCapacity Expansion And ProductsPreferential IssuanceJv Partnerships AcquisitionsCredit Rating UpdatesRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.ICICI Lombard1979.9035.2198607.890.63819.5418.106869.3311.7524.8625477.1714.112800.59819.546.163.790.00
2.General Insuranc378.256.9366360.182.642873.5454.8512755.453.0513.3251731.0719.909579.622873.540.983.380.00
3.Go Digit General349.8563.6532336.190.00135.6051.562488.0411.3510.809754.942.09508.06135.606.972.170.08
4.Star Health Insu458.8050.6426995.740.0054.90-50.674377.787.8711.9816837.844.18533.0754.903.623.270.06
5.New India Assura154.5121.9125463.251.1655.30-39.7313449.6824.703.5947535.831.781161.9954.060.880.960.00
6.Niva Bupa Health74.97149.5413848.450.00-35.27-370.891574.0319.137.455873.921.3892.61-35.273.642.620.07
–Median: 6 Co.364.0542.9229665.970.3295.45-10.815623.5611.5511.3921157.53.13847.5395.253.632.950.03

Quarterly Results

Standalone figures in ₹ crores

Dec 2023Dec 2024Jun 2023Jun 2024Jun 2025Mar 2023Mar 2024Mar 2025Sep 2023Sep 2024Sep 2025
Sales
2,2862,4361,7012,1052,2361,6022,2562,5951,9052,2342,488
Expenses
2,2432,3181,6432,0042,0771,5762,6722,8041,8772,1452,353
Operating Profit
431185810115926-415-2092889135
Other Income
000010468325001
Profit before tax
431195810116126531162889136
Tax %
0%0%0%0%14%0%0%0%0%0%0%
Net Profit
431195810113826531162889136
EPS in Rs
0.491.290.671.101.500.290.601.250.320.971.47

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
2,2523,8415,8858,1479,3719,755
Expenses
2,3664,1245,8358,4169,2509,551
Operating Profit
-114-28350-269121204
Other Income
0-00468324327
Interest
000000
Depreciation
9121518200
Profit before tax
-123-29636182425530
Net Profit
-123-29636182425508
EPS in Rs
-1.49-3.440.412.084.605.51
Dividend Payout %
0%0%0%0%0%–

Compounded Profit Growth

10 Years:%
5 Years:%
3 Years:51%
TTM:77%

Compounded Sales Growth

10 Years:%
5 Years:%
3 Years:35%
TTM:10%

Return on Equity

10 Years:%
5 Years:%
3 Years:7%
Last Year:12%

Stock Price CAGR

10 Years:%
5 Years:%
3 Years:%
1 Year:10%

Balance Sheet

Standalone figures in ₹ crores

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
825859874875923923
Reserves
4021,1191,5651,8443,3913,709
Borrowings
000350350350
Other Liabilities
4,7778,07011,05013,88916,79718,351
Total Liabilities
6,00410,04813,49016,95821,46123,333
Fixed Assets
22125161173215159
Gross Block
40.75155.75202.86228.17284.78–
Accumulated Depreciation
19.1731.0242.2554.8769.49–
CWIP
81241210
Investments
5,4309,24712,38915,39519,40921,204
Other Assets
4716529381,3881,8351,971
Total Assets
6,00410,04813,49016,95821,46123,333

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
1,5632,4792,2501,7201,604
Cash from Investing Activity
-1,637-3,487-2,514-1,986-2,837
Cash from Financing Activity
1599953973421,092
Net Cash Flow
86-1313377-141

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
00000
Inventory Days
–––––
Days Payable
–––––
Cash Conversion Cycle
00000
Working Capital Days
-723-719-644-576-592
ROCE %
–-18%2%5%11%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
73.58%73.28%73.18%73.12%73.10%73.09%
FIIs
5.10%5.51%6.47%7.86%8.28%8.48%
DIIs
16.22%15.57%15.18%15.26%14.38%14.12%
Public
5.10%5.62%5.18%3.76%4.24%4.31%

* The classifications might have changed from Sep'2022 onwards.ℹ️

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Go Digit's Credit Rating Reaffirmed at AA- with 'Developing Implications' Outlook

1st April 2026, 1:59 am

Go Digit Receives Rs 484.82 Crore Income Tax Demand; Plans Appeal

26th March 2026, 11:12 pm

Go Digit to Host Analyst and Investor Meet on March 19

12th March 2026, 10:19 pm

Go Digit Insurance Faces Re-affirmed GST Demand and Penalty; Company to Evaluate Appeal

7th March 2026, 7:07 pm

Go Digit to Hold Analyst and Institutional Investor Meetings on February 26, 2026

23rd February 2026, 11:36 pm

Published by Other Websites

External media mentions & references

Go Digit Faces Massive ₹3,844 Crore Tax Demand; Insurtech Firm Vows Appeal

27th March 2026, 7:17 pm

India's New-Age IPOs Face Brutal Re-Rating Amid Geopolitical Storm

26th March 2026, 2:43 pm

Indian Companies Land Infra Deals, Face Tax Demands, Boost Green Energy

9th March 2026, 7:41 am

Go Digit Hit with ₹170 Crore GST Demand and Penalty

7th March 2026, 4:21 pm

Brokerages Spot 10 Stocks: Up to 60% Upside Potential Revealed

21st February 2026, 7:16 am

News Articles

Editorial & research coverage

Insurers Eye Budget 2026 for Tax Overhaul
Insurers Eye Budget 2026 for Tax Overhaul

28th January 2026, 9:38 am

Indian Markets End Lower Amidst Mixed Q3 FY25 Earnings; Key Companies Show Varied Performance
Indian Markets End Lower Amidst Mixed Q3 FY25 Earnings; Key Companies Show Varied Performance

22nd January 2026, 6:44 am

India's IPO Boom: 11 Tech Giants Eye ₹36,700 Cr in 2026
India's IPO Boom: 11 Tech Giants Eye ₹36,700 Cr in 2026

12th January 2026, 5:21 pm

Digit Insurance's Bold Move: First-Ever Holding Co Merger Unlocks Simpler Business, What Investors Need to Know!
Digit Insurance's Bold Move: First-Ever Holding Co Merger Unlocks Simpler Business, What Investors Need to Know!

29th December 2025, 8:02 am

New-Age Tech Stocks Face Bearish Week Amid Q2 Earnings Season; Market Cap Declines
New-Age Tech Stocks Face Bearish Week Amid Q2 Earnings Season; Market Cap Declines

8th November 2025, 6:14 pm

Documents

Announcements

Announcement under Regulation 30 (LODR)-Credit Rating

31 Dec - CRISIL reaffirmed CCR AA- and placed it on Rating Watch on 31 Dec 2025.

Closure of Trading Window

31 Dec - Trading window closed from 1 Jan 2026 until 48 hours after unaudited Q3/9M results for period ending 31 Dec 2025.

Announcement under Regulation 30 (LODR)-Earnings Call Transcript

29 Dec - Transcript of 24 Dec 2025 call: amalgamation, INR43 crore share issue @INR375.1, promoter +0.03%, solvency ~226%.

Announcement Under Reg 30 - ESOP Grant

24 Dec - 25,05,074 ESOPs granted on 23-Dec-2025 to employees (excluding KMP).

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

24 Dec - Audio of Analyst/Institutional Investor Call hosted 24 Dec 2025 on company website.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Credit Ratings

Rating update

31 Dec from crisil

Rating update

17 Sep 2025 from crisil

Rating update

16 Oct 2024 from crisil

Rating update

17 Oct 2023 from crisil

Rating update

12 Dec 2022 from crisil

Rating update

18 Oct 2022 from crisil

Concalls

Nov 2025

TranscriptPPTRecording

Oct 2025

PPT

Jul 2025

TranscriptPPT

Jul 2025

PPT

May 2025

TranscriptPPTRecording

Feb 2025

TranscriptPPT

Jan 2025

PPT

Jan 2025

PPT

Oct 2024

TranscriptPPT

Aug 2024

TranscriptPPT

Jun 2024

TranscriptPPTRecording

Stock Analysis

Description

  1. Go Digit General Insurance Limited is a digital full-stack non-life insurance company providing motor, health, travel, property, marine, and liability insurance products.

Key Growth Triggers

  1. The company's digital-first approach, expanding product portfolio, and focus on customer experience are key drivers. Recent Q2 FY26 results showed strong GWP and PAT growth. The proposed amalgamation with its holding company aims for structural simplification and operational efficiency, potentially unlocking further growth avenues.

Order Book

  1. Currently no data available for Order Book.

Key Red Flags

  1. The company is facing scrutiny from the CGST authority with demand notices totaling over ₹26 crore and has had operating expenses exceeding regulatory limits, leading to a CRISIL rating watch with developing implications.

Key Dates To Watch

  1. January 22, 2026: Q3 FY26 Earnings Call.

Corporate Announcements

31st Mar 26
Impact Rating: 7
Go Digit General Insurance Limited's corporate credit rating has been reaffirmed as AA- by CRISIL Ratings. However, the rating is now under a 'Rating Watch with Developing Implications' outlook.
26th Mar 26
Impact Rating: 9
Go Digit General Insurance has been issued an income tax demand of Rs 384.43 crore, plus Rs 100.39 crore in interest, totalling Rs 484.82 crore for AY 2023-24.
12th Mar 26
Impact Rating: 4
Go Digit General Insurance Limited informed exchanges about a virtual meeting on March 19, 2026, with analysts and institutional investors, including Morgan Stanley. No unpublished price-sensitive information will be shared.
7th Mar 26
Impact Rating: 8
Go Digit Insurance announced it received an order from the Adjudicating Authority re-affirming the original GST demand of ₹154.81 crore and a penalty of ₹15.48 crore. The company plans to evaluate legal advice and pursue an appeal against this order, which pertains to an industry-wide issue.
23rd Feb 26
Impact Rating: 6
Go Digit General Insurance Limited has scheduled meetings with institutional investors and analysts on February 26, 2026, in Mumbai to discuss growth.