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GO DIGIT GENERAL INS LTD GODIGIT NIFTY_SMALLNSEFINANCIAL

Financial Services · Insurance - Property & Casualty · India
https://www.godigit.com

Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensation; and other products, such as travel, property, home, shop, fire, and office insurance products. It also provides other products comprising child insurance, protection, income, endowment, investment, and ULIP plans, as well as whole life insurance, and money back policy. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in May 2017. Go Digit General Insurance Limited was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited is a subsidiary of Go Digit Infoworks Services Private Limited.

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₹305.50
-8.64% 1Y

Market & Price

Market Cap
₹28,236.97 Cr
Current Price
₹305.50
High / Low (52W)
₹372.35 / ₹303.70
Beta
0.13

Valuation

Stock P/E
52.04
Industry PE
19.12
Forward P/E
31.51
PEG Ratio
-
Book Value
₹50.80
Price to Book
6.01
P/S
2.70
EV/EBITDA
43.68
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
11.71%
ROA
1.68%
Profit Margin
5.20%
Op Margin
5.41%
EPS (Latest Qtr)
₹1.61
EPS (TTM)
₹5.87

Balance Sheet & Liquidity

Debt/Equity
0.07
Quick Ratio
0.01
Current Ratio
0.10
Debt
₹350.00 Cr
Total Assets
₹24,952.26 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
74.59%
Chg in Prom Hold
-
FII / Inst Holding
14.94%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹28,308.51 Cr
Total Revenue (TTM)
₹10,475.43 Cr
EBITDA
₹648.15 Cr
Free Cash Flow
₹3,284.74 Cr
Operating Cash Flow
₹2,025.69 Cr
Shares Outstanding
₹92.43 Cr
Gross Margin
19.07%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
18.60%
Profit 5Y
148.33%
Revenue (YoY)
22.60%
Earnings (YoY)
28.90%

PROS

  • Compounding revenue at 18.6% over 5 years.
  • Profit CAGR of 148.3% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading at a high P/E of 52.0.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

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).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GODIGIT GO DIGIT GENERAL INS LTD NIFTY_SMALLNSEFINANCIAL 305.50 52.04 ₹28,236.97 Cr - - 11.71% 18.60% 148.33%
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 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue -2,436.38 Cr2,594.35 Cr2,235.97 Cr2,570.40 Cr2,710.87 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses ------
Operating Income ------
EBITDA ------
Interest Expense ------
Pretax Income -118.52 Cr115.61 Cr160.66 Cr162.91 Cr172.52 Cr
Tax Provision -0022.33 Cr22.82 Cr23.10 Cr
Net Income -118.52 Cr115.61 Cr138.33 Cr140.09 Cr149.42 Cr
Diluted EPS -1.281.251.491.511.61

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -5,997.74 Cr8,665.58 Cr9,369.57 Cr10,005.28 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -283.48 Cr57.03 Cr220.93 Cr494.20 Cr-
EBITDA -----
Interest Expense 12.38 Cr21.49 Cr39.25 Cr69.26 Cr-
Pretax Income -35.55 Cr181.68 Cr424.94 Cr631.69 Cr
Tax Provision -00087.34 Cr
Net Income -35.55 Cr181.68 Cr424.94 Cr544.35 Cr
Diluted EPS -3.230.391.984.62-

Compounded Sales Growth

5 Years:18.60%
1 Year:22.60%

Compounded Profit Growth

5 Years:148.33%
1 Year:28.90%

Stock Price Performance

1 Year:-8.64%
6 Months:-12.68%
3 Months:-9.60%
1 Month:-3.05%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -14,394.86 Cr17,682.09 Cr21,759.64 Cr24,952.26 Cr
Current Assets -----
Cash & Equivalents -279.30 Cr356.06 Cr239.05 Cr219.15 Cr
Inventory -----
Receivables -----
Total Liabilities -11,048.11 Cr15,114.10 Cr17,147.24 Cr20,266.38 Cr
Current Liabilities -----
Long Term Debt --350.00 Cr350.00 Cr350.00 Cr
Total Debt --350.00 Cr350.00 Cr350.00 Cr
Total Equity -3,346.75 Cr2,567.99 Cr4,612.40 Cr4,685.88 Cr
Shares Outstanding -91.72 Cr91.72 Cr92.30 Cr92.43 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -----
Investing Cash Flow --2,514.29 Cr-1,985.88 Cr-2,837.43 Cr-2,019.18 Cr
Financing Cash Flow -397.07 Cr342.15 Cr1,092.04 Cr-28.10 Cr
Capital Expenditure --20.66 Cr-16.62 Cr-17.80 Cr-17.23 Cr
Free Cash Flow -2,229.09 Cr1,703.85 Cr1,586.23 Cr2,008.46 Cr
Net Change in Cash -132.53 Cr76.74 Cr-141.36 Cr-21.59 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -1.0%2.5%5.3%-
Net Margin % -0.6%2.1%4.5%5.4%
ROE % -1.1%7.1%9.2%11.6%
ROCE % -----

Shareholding Pattern

Insiders
74.59%
Institutions
14.94%
Public Float
58.78%

Analyst View

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