Go Digit General Insurance logo

Go Digit General Insurance

GODIGIT NSE

Key Fundamentals

SmallcapGeneral InsuranceInsurance
Market Cap
₹23,036 Cr
Volatility
Moderate
P/E Ratio
48.07
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

Tapetide Score

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

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 5.08 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% lower than 3Y
Net Income Growth
28.12% lower than 3Y
Cash Flow Change
26.29% higher than 3Y
ROE
25.89% higher than 3Y
ROCE
21.43% lower than 3Y
EBITDA Margin (Avg.)
35.73% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

Go Digit General Insurance, with a market cap of ₹23,036 Cr, has delivered strong 5-year profit CAGR of 45% and 5-year sales CAGR of 35%, but growth has decelerated sharply to 7% TTM on both revenue and profit. The stock trades at a PE of 47x and 4.97x book value while ROE stands at 12% last year, and the company pays no dividend despite consistent profitability.

Bull Case 7
  • Strong 5-year compounded profit growth of 45% CAGR indicates the company has scaled rapidly from its early stage
  • 5-year compounded sales growth of 35% CAGR reflects rapid premium growth and market share gains in general insurance
  • Company is almost debt-free, providing balance sheet flexibility uncommon in the insurance sector
  • ROE improved to 12% in the last year from a 3-year average of 11% and 5-year average of 6%, showing an improving return profile
  • 3-year compounded profit CAGR of 148% suggests the company transitioned from losses or thin margins to meaningful profitability recently
  • At ₹23,036 Cr market cap, the company is still mid-sized in the insurance space, leaving room for growth as insurance penetration in India remains low
  • Debt-free status means no interest burden, allowing all underwriting and investment income to flow toward profitability
Bear Case 8
  • TTM revenue growth has decelerated sharply to 7% from a 3-year CAGR of 19% and 5-year CAGR of 35%, signaling a potential growth slowdown
  • Stock is trading at 4.97x book value, which is elevated for an insurer with only 12% ROE — a PB/ROE ratio that implies stretched valuations
  • PE ratio of 47x is demanding and leaves little margin of safety if earnings growth does not re-accelerate
  • Stock price has declined 30% over the past 1 year, reflecting significant negative market sentiment or valuation correction
  • Earnings include other income of ₹472 Cr, raising questions about the quality and sustainability of core underwriting profitability
  • Despite reporting repeated profits, the company pays zero dividend, offering no return to shareholders outside of capital appreciation
  • 3-year average ROE of only 10.5% is modest relative to the 4.97x price-to-book multiple the market is assigning
  • TTM profit growth has also slowed to 7%, matching the revenue slowdown and suggesting operating leverage has plateaued at current scale

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

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 1
  • CCI approves amalgamation scheme Sep 1

    Go Digit received CCI approval for its proposed amalgamation with Go Digit Infoworks Services. The scheme still requires further regulatory and shareholder approvals to complete.

Neutral 3
  • Independent director resigns Sep 10

    Giridhar Aramane resigned as independent director effective September 10, 2026, after being appointed CMD of Unitech Limited. Board composition change with no immediate operational impact.

  • AGM approves director reappointment Aug 20

    Shareholders approved reappointment of director Gopalakrishnan Soundarajan and adopted FY26 financials. Notable that public institutions voted 19.22% against the director resolution.

  • Analyst and investor meet scheduled Aug 21

    Go Digit scheduled an analyst and investor meeting on August 28 as part of routine investor relations activity.

TL;DR: Go Digit is progressing on its corporate restructuring with CCI approval for the amalgamation with Go Digit Infoworks Services, which could simplify the group structure and unlock efficiencies. No material headwinds emerged, though the 19.22% institutional dissent on a director reappointment and an independent director departure warrant monitoring for governance signals. The overall trend is steady, with the amalgamation's remaining regulatory and shareholder approvals being the key near-term catalyst to watch.

Quarterly Results

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
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
Figures in ₹ Crores

Profit & Loss

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
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
Figures in ₹ Crores

Ratios

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

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41 extracted metrics + investor summaries across FY21–FY27.

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Shareholding Pattern

Others1.32%Promot.73.00%Public2.45%FIIs8.23%DIIs15.01%As ofJun 2026

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[1]
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 market capitalisation of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd has a market capitalisation of ₹23,036 Cr, which places it in the Large Cap band.
What is the PE ratio of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd trades at a PE ratio of 48.07, on earnings per share of ₹2.45, against a book value of ₹50.43 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 ₹244.2 and ₹381.4.
What is the Return on Equity (ROE) of Go Digit General Insurance Ltd?
Go Digit General Insurance Ltd reported a return on equity of 11.67%. Its debt-to-equity ratio is 0.08.

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

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