General Insurance Corporation of India GICRE NIFTY_MIDNSEFINANCIALPSU
Financial Services · Insurance - Reinsurance · India
General Insurance Corporation of India provides reinsurance services in India and internationally. It offers property, energy, marine, engineering, liability, spares, health, agriculture/weather, motor and workmen compensation, aviation, life, marine hull, cargo and offshore energy, and miscellaneous products. The company was incorporated in 1972 and is headquartered in Mumbai, India.
READ MORE ›₹381.25
-4.15% 1Y
Market & Price
Market Cap
₹66,886.50 Cr
Current Price
₹381.25
High / Low (52W)
₹409.35 / ₹353.89
Beta
0.40
Valuation
Stock P/E
6.92
Industry PE
19.12
Forward P/E
6.01
PEG Ratio
-
Book Value
₹524.81
Price to Book
0.73
P/S
1.27
EV/EBITDA
3.48
Dividend Yield
3.48%
Profitability & Returns
ROCE
-
ROE
10.14%
ROA
3.31%
Profit Margin
18.32%
Op Margin
24.52%
EPS (Latest Qtr)
₹14.44
EPS (TTM)
₹55.09
Balance Sheet & Liquidity
Debt/Equity
-
Quick Ratio
0.24
Current Ratio
0.49
Debt
₹0
Total Assets
₹2.06 L Cr
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
82.40%
Chg in Prom Hold
-
FII / Inst Holding
12.46%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹38,371.68 Cr
Total Revenue (TTM)
₹52,566.54 Cr
EBITDA
₹11,022.28 Cr
Free Cash Flow
-
Operating Cash Flow
-
Shares Outstanding
₹175.44 Cr
Gross Margin
21.58%
Payout Ratio
18.16%
Growth (CAGR)
Revenue 5Y
3.67%
Profit 5Y
11.84%
Revenue (YoY)
3.60%
Earnings (YoY)
1.40%
PROS
- Profit CAGR of 11.8% over 5 years.
- Attractive dividend yield of 3.48%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | GICRE General Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 381.25 | 6.92 | ₹66,886.50 Cr | 3.48% | - | 10.14% | 3.67% | 11.84% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 13,175.71 Cr | 14,620.48 Cr | 13,106.60 Cr | 12,669.37 Cr | 13,458.63 Cr |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - |
| Pretax Income | - | - | 3,143.81 Cr | 2,663.67 Cr | 3,315.10 Cr | 2,360.32 Cr | 3,107.61 Cr |
| Tax Provision | - | - | 779.94 Cr | 490.90 Cr | 617.09 Cr | 608.94 Cr | 729.28 Cr |
| Net Income | - | - | 2,498.86 Cr | 2,530.59 Cr | 2,873.54 Cr | 1,725.66 Cr | 2,532.59 Cr |
| Diluted EPS | 10.58 | - | 14.24 | 14.42 | 16.38 | 9.84 | 14.44 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 48,342.19 Cr | 46,549.56 Cr | 49,678.94 Cr | 53,855.08 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | 3,817.40 Cr | 8,111.93 Cr | 8,008.72 Cr | 9,175.43 Cr | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 62.75 Cr | 80.75 Cr | 83.81 Cr | 70.78 Cr | - |
| Pretax Income | - | 8,031.18 Cr | 7,924.91 Cr | 9,104.64 Cr | 11,446.70 Cr |
| Tax Provision | - | 1,454.02 Cr | 1,416.76 Cr | 2,130.68 Cr | 2,446.20 Cr |
| Net Income | - | 6,907.31 Cr | 6,685.83 Cr | 7,431.84 Cr | 9,662.38 Cr |
| Diluted EPS | - | 39.37 | 38.11 | 42.36 | 55.08 |
Compounded Sales Growth
| 5 Years: | 3.67% |
| 1 Year: | 3.60% |
Compounded Profit Growth
| 5 Years: | 11.84% |
| 1 Year: | 1.40% |
Stock Price Performance
| 1 Year: | -4.15% |
| 6 Months: | -0.24% |
| 3 Months: | -1.26% |
| 1 Month: | -3.09% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 1.63 L Cr | 1.84 L Cr | 1.95 L Cr | 2.06 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 23,702.44 Cr | 24,855.18 Cr | 25,279.64 Cr | 28,488.88 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 11,106.09 Cr | 10,553.79 Cr | 9,082.90 Cr | 10,724.90 Cr | - |
| Total Liabilities | - | 1.18 L Cr | 1.29 L Cr | 1.33 L Cr | 1.35 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | - | - | - | - |
| Total Equity | - | 45,184.74 Cr | 55,256.55 Cr | 61,499.70 Cr | 70,480.82 Cr |
| Shares Outstanding | - | 175.44 Cr | 175.44 Cr | 175.44 Cr | 175.44 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | 9,050.78 Cr | 11,722.24 Cr | 11,144.45 Cr | - | - |
| Investing Cash Flow | - | -9,999.19 Cr | 1,676.81 Cr | -925.59 Cr | -2,074.78 Cr |
| Financing Cash Flow | - | -394.74 Cr | -1,263.17 Cr | -1,754.40 Cr | -1,754.40 Cr |
| Capital Expenditure | - | -134.07 Cr | -5.68 Cr | -25.41 Cr | -13.76 Cr |
| Free Cash Flow | - | 11,588.18 Cr | -217.41 Cr | 1,950.78 Cr | 452.67 Cr |
| Net Change in Cash | - | 1,328.32 Cr | 201.91 Cr | -703.80 Cr | -3,362.75 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | 16.8% | 17.2% | 18.5% | - |
| Net Margin % | - | 14.3% | 14.4% | 15.0% | 17.9% |
| ROE % | - | 15.3% | 12.1% | 12.1% | 13.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Insiders
82.40%
Institutions
12.46%
Public Float
70.77%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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