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General Insurance Corporation of India GICRE NIFTY_MIDNSEFINANCIALPSU

Financial Services · Insurance - Reinsurance · India
https://www.gicre.in
Company Profile ↓
₹368.00
+0.35% 1Y
Mkt Cap₹64,561.92 Cr
P/E6.68
P/B0.70
Div. Yield3.63%
52W High₹409.35
52W Low₹353.40
Book Value₹401.74
EPS (TTM)₹55.08

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.8% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 6.7, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 17.9%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.00.

Dividend Income

Offers a dividend yield of 3.63%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹53,855.08 Cr (+8.4% YoY); net profit ₹9,662.38 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +8.4%, earnings +30.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.7%, profit CAGR 11.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.67%
1 Year:8.41%

Compounded Profit Growth

5 Years:11.84%
1 Year:30.01%

Stock Price Performance

1 Year:+0.35%
6 Months:+0.40%
3 Months:-8.01%
1 Month:-4.97%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 26% of range
₹353.40 ₹409.35
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Death Cross4d ago
  • RSI (14)50.58 · Neutral
Price Performance
1M-4.97%
3M-8.01%
6M+0.40%
1Y+0.35%
Valuation vs Sector

P/E of 6.68 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 11.8% over 5 years.
  • Attractive dividend yield of 3.63%.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
6.68
Industry PE
19.81
Forward P/E
5.69
PEG Ratio
-
Book Value
₹401.74
Price to Book
0.70
P/S
1.21
EV/EBITDA
3.23
Dividend Yield
3.63%

Growth (CAGR)

Revenue 5Y
3.67%
Profit 5Y
11.84%
Revenue (YoY)
8.41%
Earnings (YoY)
30.01%

Profitability & Returns

ROCE
-
ROE
13.71%
ROA
4.70%
Profit Margin
17.94%
Op Margin
17.04%
Gross Margin
21.75%
EPS (Latest Qtr)
₹14.44
EPS (TTM)
₹55.08

Balance Sheet & Liquidity

Debt/Equity
0.00
Quick Ratio
0.07
Current Ratio
0.31
Debt
₹0
Total Assets
₹2.06 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
82.40%
Chg in Prom Hold
-0.00%
FII / Inst Holding
12.50%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
₹64,561.92 Cr
Total Revenue (TTM)
₹53,855.08 Cr
EBITDA
₹3,073.00 Cr
Free Cash Flow
₹452.67 Cr
Operating Cash Flow
₹11,144.45 Cr
Shares Outstanding
₹175.44 Cr
Gross Margin
21.75%
Payout Ratio
18.16%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GICRE General Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 368.00 6.68 ₹64,561.92 Cr 3.63% - 13.71% 3.67% 11.84%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 10,656.00 Cr11,166.00 Cr13,075.00 Cr11,148.00 Cr10,254.00 Cr12,886.00 Cr12,378.00 Cr-13,175.71 Cr14,620.48 Cr13,106.60 Cr12,669.37 Cr13,458.63 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 7,423.00 Cr10,200.00 Cr11,611.00 Cr9,523.00 Cr7,290.00 Cr11,413.00 Cr9,998.00 Cr------
Operating Income 3,233.00 Cr966.00 Cr1,465.00 Cr1,625.00 Cr2,964.00 Cr1,473.00 Cr2,380.00 Cr------
EBITDA 3,233.00 Cr966.00 Cr1,465.00 Cr1,625.00 Cr2,964.00 Cr1,473.00 Cr2,380.00 Cr------
Interest Expense 0000000------
Pretax Income 3,025.00 Cr1,154.00 Cr1,855.00 Cr1,820.00 Cr3,096.00 Cr1,490.00 Cr2,287.00 Cr-3,143.81 Cr2,663.67 Cr3,315.10 Cr2,360.32 Cr3,107.61 Cr
Tax Provision 423.50 Cr207.72 Cr241.15 Cr436.80 Cr557.28 Cr372.50 Cr411.66 Cr-779.94 Cr490.90 Cr617.09 Cr608.94 Cr729.28 Cr
Net Income 2,729.00 Cr978.00 Cr1,689.00 Cr1,439.00 Cr2,580.00 Cr1,401.00 Cr1,856.00 Cr-2,498.86 Cr2,530.59 Cr2,873.54 Cr1,725.66 Cr2,532.59 Cr
Diluted EPS 15.565.579.638.2014.717.9810.58-14.2414.4216.389.8414.44

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 13,595.00 Cr15,338.00 Cr26,776.00 Cr38,198.00 Cr44,928.00 Cr50,345.00 Cr48,583.00 Cr-48,342.19 Cr46,549.56 Cr49,678.94 Cr53,855.08 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 15,160.00 Cr16,851.00 Cr27,561.00 Cr39,900.00 Cr41,204.00 Cr52,445.00 Cr45,510.00 Cr-----
Operating Income -1,575.00 Cr-1,521.00 Cr-796.00 Cr-1,710.00 Cr3,710.00 Cr-2,119.00 Cr3,058.00 Cr3,817.40 Cr8,111.93 Cr8,008.72 Cr9,175.43 Cr-
EBITDA -1,566.00 Cr-1,512.00 Cr-786.00 Cr-1,702.00 Cr3,724.00 Cr-2,100.00 Cr3,073.00 Cr-----
Interest Expense 33.00 Cr2.00 Cr7.00 Cr12.00 Cr00062.75 Cr80.75 Cr83.81 Cr70.78 Cr-
Pretax Income 2,829.00 Cr3,021.00 Cr3,770.00 Cr3,630.00 Cr3,854.00 Cr-366.00 Cr3,069.00 Cr-8,031.18 Cr7,924.91 Cr9,104.64 Cr11,446.70 Cr
Tax Provision 28.29 Cr332.31 Cr490.10 Cr435.60 Cr1,233.28 Cr87.84 Cr1,258.29 Cr-1,454.02 Cr1,416.76 Cr2,130.68 Cr2,446.20 Cr
Net Income 2,891.00 Cr2,823.00 Cr3,672.00 Cr3,146.00 Cr2,758.00 Cr-186.00 Cr1,992.00 Cr-6,907.31 Cr6,685.83 Cr7,431.84 Cr9,662.38 Cr
Diluted EPS 336.163.284.2717.9315.72-1.0611.35-39.3738.1142.3655.08

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 74,916.00 Cr76,103.00 Cr97,314.00 Cr1.12 L Cr1.22 L Cr1.21 L Cr1.40 L Cr-1.63 L Cr1.84 L Cr1.95 L Cr2.06 L Cr
Current Assets ------------
Cash & Equivalents --------23,702.44 Cr24,855.18 Cr25,279.64 Cr28,488.88 Cr
Inventory ------------
Receivables -------11,106.09 Cr10,553.79 Cr9,082.90 Cr10,724.90 Cr-
Total Liabilities --------1.18 L Cr1.29 L Cr1.33 L Cr1.35 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt 0000000-----
Total Equity 44,172.00 Cr41,875.00 Cr20,183.00 Cr24,155.00 Cr25,492.00 Cr23,944.00 Cr32,463.00 Cr-45,184.74 Cr55,256.55 Cr61,499.70 Cr70,480.82 Cr
Shares Outstanding --------175.44 Cr175.44 Cr175.44 Cr175.44 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 2,635.00 Cr6,013.00 Cr7,901.00 Cr8,837.00 Cr7,604.00 Cr8,617.00 Cr13,284.00 Cr9,050.78 Cr11,722.24 Cr11,144.45 Cr--
Investing Cash Flow -2,763.00 Cr-3,332.00 Cr-4,414.00 Cr-5,605.00 Cr-7,501.00 Cr-4,016.00 Cr-10,802.00 Cr--9,999.19 Cr1,676.81 Cr-925.59 Cr-2,074.78 Cr
Financing Cash Flow -387.00 Cr-650.00 Cr-1,035.00 Cr-1,206.00 Cr-1,428.00 Cr-1,428.00 Cr0--394.74 Cr-1,263.17 Cr-1,754.40 Cr-1,754.40 Cr
Capital Expenditure -34.00 Cr-43.00 Cr-3.00 Cr-16.00 Cr-40.00 Cr-3.00 Cr-6.00 Cr--134.07 Cr-5.68 Cr-25.41 Cr-13.76 Cr
Free Cash Flow 2,601.00 Cr5,970.00 Cr7,898.00 Cr8,821.00 Cr7,564.00 Cr8,614.00 Cr13,278.00 Cr-11,588.18 Cr-217.41 Cr1,950.78 Cr452.67 Cr
Net Change in Cash -515.00 Cr2,030.00 Cr2,452.00 Cr2,026.00 Cr-1,324.00 Cr3,174.00 Cr2,482.00 Cr-1,328.32 Cr201.91 Cr-703.80 Cr-3,362.75 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % -11.6%-9.9%-3.0%-4.5%8.3%-4.2%6.3%-16.8%17.2%18.5%-
Net Margin % 21.3%18.4%13.7%8.2%6.1%-0.4%4.1%-14.3%14.4%15.0%17.9%
ROE % 6.5%6.7%18.2%13.0%10.8%-0.8%6.1%-15.3%12.1%12.1%13.7%
ROCE % ------------

Shareholding Pattern

Insiders
82.40%
Institutions
12.50%
Public Float
71.03%

Analyst View

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Latest News

Recent headlines for GICRE

Google News ue, 16 Jun 2026

Indian government to sell 5% stake in GIC Re - Reinsurance News

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Google News hu, 28 May 2026

GIC Re profit climbs in FY2025-26 - Insurance Business

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Google News Wed, 17 Jun 2026

Retail players can skip GIC Re's OFS: Analysts - The Economic Times

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Google News Mon, 15 Jun 2026

GIC shares fall 5% as govt to sell up to 5% stake via OFS at discount - TradingView

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Google News hu, 18 Jun 2026

NSE IPO Triggers Value Unlocking Rally: Why NIACL, GIC RE, LIC, SBI and Bank of Baroda Shares Rose While IFCI Fell - India Infoline

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Google News ue, 16 Jun 2026

GIC Re shares tumble 6% as govt launches OFS to divest up to 5% stake - BusinessLine

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GICRE — Frequently Asked Questions

What is the current share price of General Insurance Corporation of India (GICRE)?

As of 2026-07-15 09:52 IST, General Insurance Corporation of India (GICRE) trades at ₹368.00 on NSE. Its 52-week range is ₹353.40 to ₹409.35.

What is the market capitalisation of GICRE?

General Insurance Corporation of India (GICRE) has a market capitalisation of ₹64,561.92 Cr on NSE.

What is the P/E ratio of GICRE?

GICRE trades at a trailing price-to-earnings (P/E) ratio of 6.68. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.70.

Does GICRE pay a dividend?

General Insurance Corporation of India (GICRE) currently offers a dividend yield of 3.63%.

What is the return on equity (ROE) of GICRE?

GICRE has a return on equity (ROE) of 13.71%.

Is GICRE a good stock to buy?

This page provides a data-driven analysis of General Insurance Corporation of India (GICRE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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