The call ran from 5:44 PM to 6:54 PM IST (1 h 10 min).
Key takeaways
Flood-hit quarter: GDPI -1.1% vs industry +7%, PAT ex-MTM ₹208 Cr vs ₹277 Cr. Management reframes results via Ind AS and ex-flood adjustments, and defers discounting detail to February.
| Revenue growth | Insurance revenue ₹2,720 Cr vs ₹2,675 Cr last year. |
|---|---|
| Margins | Combined ratio 99.8% vs 94.7%; ex-flood 97.4% vs 94.5%. |
| Order book | Long-term advance premium ₹3,556 Cr vs ₹3,209 Cr (March 2026). |
| Demand visibility | Soft market; no TP price hikes; property firming since mid-September. |
| Management confidence | Defensive; reframes results via accounting changes and ex-flood adjustments. |
Growth
Revenue ₹2,720 Cr vs ₹2,675 Cr; GDPI -1.1%, industry +7%. Private car -10.7%, two-wheeler +18.6%.
Outlook
No numeric forward guidance; Q3 outlook depends on monthly festive-season trends. Equity target ~12.5% of AUM, undated.
Risks
Flood losses ₹63 Cr vs ₹10 Cr; private car OD loss ratio 93%. EoM regulation unresolved; commissions remain high.
Summary by ALFA Finder, written with AI assistance from the earnings call transcript the company filed, published . Open it on ALFA Filings ›
The results behind this call
Go Digit General Insurance Q2 FY27 Results: Net Profit ₹142.4 Cr, Down 31.1% YoY
Go Digit General Insurance Ltd reported revenue from operations of ₹2,720 Cr (+1.7% YoY) and net profit of ₹142.4 Cr (-31.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹142.4 Cr · -31.1% YoY
What management said last time
Full summary →From the call summary published .
Outlook they gave
Management refuses to provide numeric guidance, prioritizing a combined ratio approach over chasing volume.
Growth they described
GDPI fell 8%, driven by a -37% de-growth in fire; motor remained flat at 0.4%.
Call details
| Company | Go Digit General Insurance Ltd |
|---|---|
| NSE symbol | GODIGIT |
| ISIN | INE03JT01014 |
| Call | Q2 FY27 earnings call |
| Date | Thursday, 5 November 2026 |
| Time | 5:45 PM IST |
| Length | 1 h 10 min |
Go Digit General Insurance Ltd: key numbers
- Share price
- ₹249.10
- Market cap
- ₹22,973 Cr
- Revenue (annual)
- ₹10,005 Cr
- Net profit (annual)
- ₹544.4 Cr
- P/E (TTM)
- 27.6×Sector 20.6×
- Promoter holding
- 72.96%-0.04% QoQ
- FII holding
- 6.58%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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