Go Digit General Insurance Ltd
GODIGIT NSE
Go Digit General Insurance Ltd
InsuranceNSE: GODIGIT BSE: 544179 General Insurance
Key Fundamentals
SmallcapGeneral InsuranceInsuranceMarket Cap
₹23,988 Cr
Volatility
Moderate
P/E Ratio
48.71
EBITDA
₹653 Cr
Return on Equity
11.67%
Debt to Equity
0.08
Book Value
₹50.43
EPS
₹2.45
52W High
₹381.4
52W Low
₹244.2
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Go Digit General Insurance Ltd insights
32 extracted metrics + investor summaries across FY21–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
2- Company is almost debt free.
- Company has delivered good profit growth of 45.1% CAGR over last 5 years
Weaknesses
4- Stock is trading at 5.15 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 10.5% over last 3 years.
- Earnings include an other income of Rs.472 Cr.
Growth Rate
Revenue Growth
8.07% ↗
Net Income Growth
28.12% ↗
Cash Flow Change
26.29% ↗
ROE
25.89% ↗
ROCE
21.43% ↗
EBITDA Margin (Avg.)
35.73% ↗
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 2d agoAI opinion · based on fundamentals
Risk high
Go Digit General Insurance trades at a market cap of Rs.24,081 Cr with a PE of 49.4x and PB of 5.22x. The company has grown sales at a 35% CAGR over 5 years and profits at 45% CAGR over 5 years, though recent TTM growth has moderated to 7% on both revenue and profit. The stock has declined 26% over the past year despite the company being virtually debt-free.
Bull Case 7
- Strong 5-year sales CAGR of 35%, indicating rapid premium growth in a structurally underpenetrated Indian insurance market
- Robust 5-year compounded profit growth of 45.1% CAGR demonstrates improving underwriting discipline and operating leverage
- Company is almost debt-free, reducing balance sheet risk in a sector where solvency is critical
- 3-year compounded profit growth of 148% shows a sharp inflection from loss-making to sustained profitability
- ROE has improved from 6% on a 5-year basis to 12% in the last year, signaling improving capital efficiency
- Stock has corrected 26% over the past year, compressing valuations from prior peaks and potentially offering a lower entry point relative to recent history
- As a tech-first insurer with digital distribution, the company benefits from lower acquisition costs compared to traditional insurers relying on agent networks
Bear Case 8
- PE of 49.4x is elevated for an insurance company, implying the market is pricing in aggressive future growth that may not materialize if TTM growth stays at 7%
- PB of 5.22x is significantly higher than most listed general insurers in India, leaving limited margin of safety
- TTM revenue growth has decelerated sharply to 7% from the 5-year CAGR of 35%, raising concerns about growth sustainability
- 3-year average ROE of only 10.5% is modest for a company trading at 5.2x book value, indicating capital is not being deployed efficiently enough to justify the premium
- Zero dividend yield despite repeated profitability suggests the company is not returning capital to shareholders
- Earnings include other income of Rs.472 Cr, which may inflate reported profits and is not necessarily recurring or core to underwriting performance
- TTM profit growth of only 7% compared to the 148% 3-year CAGR suggests the high-growth phase may be normalizing rapidly
- No 52-week high/low data available makes it difficult to assess where the stock sits in its trading range relative to fundamentals
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 2h ago Headwinds 2
- Q1FY27 profit drops 37% YoY Jul 26
Net profit fell to ₹8,639 lakhs from ₹13,833 lakhs in Q1 FY26, driven by widening underwriting loss in the motor segment.
- Motor segment underwriting loss widens Jul 26
The motor segment's underwriting loss expanded in Q1FY27, pressuring overall profitability despite gross premium written of ₹2,73,086 lakhs.
Positives 1
- CCI clears merger with Infoworks Jul 30
CCI approved the merger of Go Digit General Insurance with Go Digit Infoworks Services under Section 31(1) of the Competition Act, removing a key regulatory hurdle. NCLT, IRDAI, and shareholder approvals still pending.
Neutral 3
- ₹139 crore block trade on NSE Jul 29
Approximately 57.21 lakh shares changed hands at ₹243/share in a pre-open block deal worth ₹139.03 crore, indicating institutional activity.
- Analyst meet scheduled Aug 14 Aug 11
Go Digit will host an in-person analysts meet in Mumbai on August 14, 2026, reiterating Q1FY27 results shared on July 23.
- Q1FY27 earnings call held Jul 23 Jul 17
The company held its Q1FY27 earnings call on July 23, 2026 at 6:30 PM IST to discuss quarterly performance.
TL;DR: Go Digit faces near-term earnings pressure with Q1FY27 profit declining 37% YoY due to motor segment underwriting losses. On the structural side, CCI clearance for the Infoworks merger is a positive step toward corporate simplification. Institutional block deal activity suggests continued market interest despite weak results. The key watch item is whether motor segment loss ratios improve in coming quarters or continue to deteriorate.
Quarterly Results
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,701 | 1,905 | 2,286 | 2,256 | 2,105 | 2,234 | 2,436 | 2,594 | 2,236 | 2,488 | 2,570 | 2,711 | 2,427 |
| Expenses | 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 | 58 | 28 | 43 | -415 | 101 | 89 | 118 | -209 | 159 | 135 | 162 | -297 | 114 |
| OPM % | 3.4% | 1.4% | 1.9% | -18% | 4.8% | 4% | 4.9% | -8% | 7% | 5% | 6% | -11% | 4.7% |
| Other Income | 0 | 0 | 0 | 468 | 0 | 0 | 0 | 325 | 1 | 1 | 1 | 470 | 1 |
| 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 |
| PBT | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 | 115 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 14% | 14% | 14% | 13% | 25% |
| Net Profit | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 |
| EPS in Rs | 0.67 | 0.32 | 0.49 | 0.6 | 1.1 | 0.97 | 1.29 | 1.25 | 1.5 | 1.26 | 1.52 | 1.62 | 0.93 |
Profit & Loss
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Sales | 2,252 | 3,841 | 5,885 | 8,147 | 9,370 | 10,005 | 10,196 |
| Expenses | 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,825 | 10,082 |
| Operating Profit | -114 | -283 | 50 | -269 | 120 | 180 | 114 |
| OPM % | -5% | -7% | 0.9% | -3.3% | 1.3% | 1.8% | 1.1% |
| Other Income | 0 | 0 | 0 | 468 | 325 | 472 | 472 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 9 | 12 | 15 | 18 | 20 | 21 | 0 |
| PBT | -123 | -296 | 36 | 182 | 425 | 632 | 586 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 14% | — |
| Net Profit | -123 | -296 | 36 | 182 | 425 | 544 | 492 |
| EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.6 | 5.89 | 5.33 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 825 | 859 | 874 | 875 | 923 | 924 |
| Reserves | 402 | 1,119 | 1,565 | 1,844 | 3,365 | 3,738 |
| Borrowings | 0 | 0 | 0 | 350 | 350 | 350 |
| Other Liabilities | 4,777 | 8,070 | 11,050 | 13,889 | 16,823 | 19,940 |
| Total Liabilities | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
| Fixed Assets | 22 | 125 | 161 | 173 | 215 | 265 |
| CWIP | 81 | 24 | 1 | 2 | 1 | 3 |
| Investments | 5,430 | 9,247 | 12,389 | 15,395 | 19,409 | 22,591 |
| Other Assets | 471 | 652 | 938 | 1,388 | 1,835 | 2,093 |
| Total Assets | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
Cash Flow
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Operating | 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | 2,026 |
| Investing | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 |
| Financing | 159 | 995 | 397 | 342 | 1,092 | -28 |
| Net Cash Flow | 86 | -13 | 133 | 77 | -141 | -22 |
| Free Cash Flow | 1,536 | 2,429 | 2,229 | 1,704 | 1,587 | 2,009 |
| CFO/OP | -1,374 | -875 | 4,456 | -641 | 1,338 | 1,169 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -723 | -719 | -644 | -576 | -592 | -658 |
| ROCE % | — | -18% | 2% | 5% | 11% | 13% |
Documents
1
Announcement under Regulation 30 (LODR)-Scheme of Arrangement
14 Aug - NCLT allows first motion for amalgamation of Go Digit Infoworks into Go Digit General Insurance; shareholder meeting within 90 days. 14 Aug - NCLT allows first motion for amalgamation of Go Digit Infoworks into Go Digit General Insurance; shareholder meeting within 90 days.
2
Clarification sought from Go Digit General Insurance Ltd
29 Jul - Exchange has sought clarification from Go Digit General Insurance Ltd on July 29, 2026, with reference to news appeared in https://economictimes.indiatimes.com dated July 29, 2026 … 29 Jul - Exchange has sought clarification from Go Digit General Insurance Ltd on July 29, 2026, with reference to news appeared in https://economictimes.indiatimes.com dated July 29, 2026 …
3
Announcement under Regulation 30 (LODR)-Change in Management
28 Apr - Go Digit approved FY26 audited results, appointed tax auditor, and named new Chief Legal Claims and Investigation Officer. 28 Apr - Go Digit approved FY26 audited results, appointed tax auditor, and named new Chief Legal Claims and Investigation Officer.
4
Announcement Under Regulation 30(LODR) - Appointment Of Tax Auditor.
28 Apr - Go Digit approved FY26 audited results, appointed tax auditor and Chief Legal Claims Officer; auditors issued unmodified opinion. 28 Apr - Go Digit approved FY26 audited results, appointed tax auditor and Chief Legal Claims Officer; auditors issued unmodified opinion.
5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
28 Apr - Audio recording of Q4 and FY2025-26 earnings call hosted on company website. 28 Apr - Audio recording of Q4 and FY2025-26 earnings call hosted on company website.
Frequently Asked Questions about Go Digit General Insurance Ltd
What does Go Digit General Insurance Ltd do?
Incorporated in 2016, Go Digit
General Insurance Ltd provides
motor, health, and other insurances[1]
Where is Go Digit General Insurance Ltd (GODIGIT) listed?
Go Digit General Insurance Ltd is listed on the Indian stock exchanges. It is listed on NSE: GODIGIT and BSE: 544179. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Go Digit General Insurance Ltd belong to?
Go Digit General Insurance Ltd operates in the Insurance sector within the General Insurance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd has a market capitalisation of approximately ₹23988.11 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Go Digit General Insurance Ltd?
The Price-to-Earnings (PE) ratio of Go Digit General Insurance Ltd is 48.71. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Go Digit General Insurance Ltd?
Over the past 52 weeks, Go Digit General Insurance Ltd has traded between a low of ₹244.2 and a high of ₹381.4. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd has a Return on Equity (ROE) of 11.67%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Go Digit General Insurance Ltd on Tapetide?
On Tapetide, you can view Go Digit General Insurance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 2016, Go Digit General Insurance Ltd provides motor, health, and other insurances[1]
Website godigit.com
CEO Ms. Jasleen Kohli
Employees 4,534
Listed 2024-05-23
Face Value ₹ 10
Issued Size 92,42,87,149