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Go Digit General Insurance

GODIGIT NSE
₹257.15 No trade today
P/E
48.25
View as Markdown
MCP
Close 4 Nov 2026 ₹257.15 −98.35 −27.7% 1Y
Start ₹355.50

Key Fundamentals

SmallcapInsuranceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

ROCE
13.10%
Debt to Equity
0.08
EPS (TTM)
₹5.33
Book Value
₹50.40
Market Cap
—
P/E (TTM)
48.25
P/B
5.10
ROE
12.20%
Dividend Yield
0.00%
EBITDA
₹653 Cr
52W High
₹364.50
52W Low
₹231.65
Volume
0

Peer Comparison

Financial Services › Insurance › General Insurance

Go Digit General Insurance peer comparison
ICICI Lombard General Insurance
₹1,596.3031.17₹80,888 Cr4.240.44%16.60%21.90%₹29,038 Cr₹2,555 Cr
GIC of India
₹323.856.40₹56,281 Cr0.774.15%14.60%17.40%₹52,763 Cr₹8,877 Cr
Star Health Insurance
₹530.5036.99₹30,850 Cr2.990.00%7.61%9.69%₹19,114 Cr₹844 Cr
New India Assurance Company
₹160.4534.28₹26,368 Cr0.940.96%4.92%4.29%₹49,962 Cr₹776 Cr
Go Digit General Insurance (this company)
₹257.1548.25₹24,008 Cr5.100.00%12.20%13.10%₹10,196 Cr₹492 Cr
Niva Bupa Health Insurance Company
₹77.1481.20₹14,080 Cr3.770.00%3.46%3.15%₹7,907 Cr₹174 Cr
Median 6 companies₹290.5035.64₹28,609 Cr3.380.22%9.91%11.40%₹24,076 Cr₹810 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

37 Weak

Data confidence 97/100

Category scores

Quality
45
Weak
Returns, margins, earnings quality 22% weight
Valuation
34
Poor
Cheap vs sector & own history 24% weight
Growth
29
Poor
Sales & profit trajectory 9% weight
Financial Health
21
Poor
Solvency, leverage, coverage 9% weight
Momentum
13
Poor
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

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 5.21 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.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1243
OscillatorsBullish243
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
43.58
Neutral
MACD (12,26,9)
−1.26
Bearish
SMA (50)
261.07
Bearish
SMA (200)
296.79
Bearish

As of

Analyst Rating

Based on 9 analysts
BUY67%

6 of 9 analysts rate Buy, 2 Hold, 1 Sell.

As of

BUY
6
67%
HOLD
2
22%
SELL
1
11%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+34.75%
3Y+19.35%
1Y+6.78%
TTM+7.33%

Net profit

Net profit growth by window
5YTurned to profit
3Y+147.23%
1Y+28.00%
TTM+6.49%

Operating cash flow

Operating cash flow growth by window
5Y+5.33%
3Y−3.44%
1Y+26.31%
TTM—

TTM: Reported once a year, so there is no trailing-twelve-month figure.

Operating margin· change in pp

Operating margin growth by window
5Y+6.86 pp
3Y+0.95 pp
1Y+0.52 pp
TTM−0.53 pp

Revenue by year

Revenue by year, ₹ crore
Mar 2021₹2,252 Cr
Mar 2022₹3,841 Cr
Mar 2023₹5,885 Cr
Mar 2024₹8,147 Cr
Mar 2025₹9,370 Cr
Mar 2026₹10,005 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2021−₹123 Cr
Mar 2022−₹296 Cr
Mar 2023₹36.00 Cr
Mar 2024₹182 Cr
Mar 2025₹425 Cr
Mar 2026₹544 Cr

Analyst Forecasts

Forecast For
Sep 26 consensus · EPS
₹1.78 +91.4% vs Jun 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 30 Oct 2026
AI opinion · based on fundamentals
Risk high

Go Digit General Insurance trades at ₹260.6 as of 2026-10-30 with a market cap of ₹24,109 Cr. The company has delivered strong 5-year profit CAGR of 45% but TTM growth has decelerated to 7%, while the stock trades at a P/E of 48.89x and 5.17x book value, sitting 29% below its 52-week high of ₹366.85.

Bull Case 6
  • Company is virtually debt-free with a debt-to-equity ratio of just 0.08, providing significant financial flexibility in a capital-intensive insurance sector.
  • 5-year compounded profit growth of 45% demonstrates the company's ability to scale profitability from a low base as it matures.
  • 3-year compounded profit growth of 148% reflects a rapid transition from losses to sustained profitability.
  • 5-year compounded sales growth of 35% indicates strong premium growth and market share gains in India's underpenetrated general insurance market.
  • ROE improved to 12% in the last year from a 3-year average of 11% and a 5-year average of 6%, suggesting an improving return profile as the business scales.
  • At ₹24,109 Cr market cap, Go Digit remains a mid-cap insurer with room to grow in a large addressable market compared to established incumbents.
Bear Case 8
  • P/E of 48.89x on TTM EPS of ₹5.33 is elevated, pricing in significant future growth that may already be decelerating given TTM profit growth of only 7%.
  • Price-to-book of 5.17x is high for an insurance company, particularly one with ROE of only 11.67%, implying the stock is priced well above its asset base.
  • TTM sales growth has slowed sharply to 7% compared to the 5-year CAGR of 35%, raising concerns about premium growth sustainability.
  • Despite reporting consistent profits, the company pays zero dividend (0% yield), returning nothing to shareholders and relying entirely on capital appreciation.
  • 3-year average ROE of approximately 11% is modest for the valuation commanded, suggesting the business is not yet generating returns commensurate with its price-to-book multiple.
  • Earnings quality is a concern as other income of ₹472 Cr forms a meaningful portion of profits, meaning core underwriting profitability may be weaker than headline numbers suggest.
  • ROCE stands at -4.25%, indicating the company's overall capital deployment is not yet generating positive returns on total capital employed.
  • The stock has delivered a 1-year return of -27%, reflecting significant negative momentum and potential erosion of market confidence.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Go Digit is in focus after its parent Fairfax was declared the strategic buyer for a majority IDBI Bank stake, with plans to fold Go Digit into the banking entity. This could unlock bancassurance synergies and scale, but execution and regulatory approvals remain ahead. The development is structurally positive if it materializes, though near-term impact on Go Digit's standalone operations is yet to be seen.

Positives 1
  • Fairfax wins IDBI Bank stake Oct 15

    Fairfax Financial Holdings selected as strategic buyer for 60.72% IDBI Bank stake at ₹81/share. Plans include contributing Go Digit and IIFL Capital to the bank, potentially creating a larger integrated financial platform.

Quarterly Results

₹ Cr
GODIGIT quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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
324
1
1
0.19
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 (₹)
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

₹ Cr
GODIGIT profit and loss, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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
324
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 (₹)
−1.49
−3.44
0.41
2.08
4.6
5.89
5.33
Div. Payout %
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
GODIGIT balance sheet, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

₹ Cr
GODIGIT cash flow, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

GODIGIT financial ratios, annual
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Go Digit General Insurance insights

30 extracted metrics across FY21–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 72.96%
  • DIIs 16.98%
  • FIIs 6.57%
  • Public 2.62%
  • Others 0.87%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Go Digit General Insurance

What does Go Digit General Insurance Ltd do?
Incorporated in 2016, Go Digit General Insurance Ltd provides motor, health, and other insurances
Where is Go Digit General Insurance Ltd (GODIGIT) listed?
Go Digit General Insurance Ltd trades as GODIGIT on the NSE and under code 544179 on the BSE.
Which sector does Go Digit General Insurance Ltd belong to?
Go Digit General Insurance Ltd is classified under the Insurance sector, in the General Insurance industry.
What is the PE ratio of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd trades at a PE ratio of 48.25 as of 4 Nov 2026, on earnings per share of ₹5.33, against a book value of ₹50.4 per share.
What is the 52-week high and low of Go Digit General Insurance Ltd?
Over the last 52 weeks Go Digit General Insurance Ltd has traded between ₹231.65 and ₹364.5 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd reported a return on equity of 12.20%. Its debt-to-equity ratio is 0.08.

Company Information

Incorporated in 2016, Go Digit General Insurance Ltd provides motor, health, and other insurances

Website godigit.com
CEO Ms. Jasleen Kohli
Employees 4,534
Listed 23 May 2024
Face Value ₹10

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