ALFA Finder| Margins | Combined ratio 107.4% vs 106.0% FY26; incurred claims 86.2% vs 85.4% |
|---|---|
| Demand visibility | India GI premium ~11% CAGR since FY22; 10% CAGR projected 2026-30 |
Growth
H1 FY27 GWP Rs 24,704 Cr (FY26 full year: 44,007 Cr); PAT Rs 4,378 Cr, ~52% of FY26.
Outlook
No numeric guidance. Plans: international expansion post rating upgrade, cat reserves, improve incurred claims ratio.
Risks
Combined ratio 107.4% (underwriting loss); commission ratio up to 20.2%; solvency down to 418% from 421%.
Last quarter's promises, checked
Delivered
- Guided solvency to ease gradually → 4.32 (Jun-26) to 418% H1 (= BEAT)
Missed
- Guided ~10% growth → Q1 GWP +8.8% (13,475 vs 12,388 Cr) (= MISS)
- Guided 1% annual CR cut → H1 CR 107.4% vs FY26 106.0% (= MISS)
Investor Presentation filed with BSE, NSE: GICRE. Summary written with AI assistance from the document.
General Insurance Corporation of India: key numbers
- Share price
- ₹342.30
- Market cap
- ₹60,053 Cr
- Revenue (annual)
- ₹52,986 Cr
- Net profit (annual)
- ₹9,662 Cr
- P/E (TTM)
- 6.7×Sector 20.6×
- Promoter holding
- 77.40%+0.00% QoQ
- FII holding
- 2.40%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from General Insurance Corporation of India
All →General Insurance Corporation of India Earnings Call Transcript: Key Takeaways
Premium growth is strong, but Q2 profit fell year on year to ₹2,455.62 Cr as the claims ratio rose to 87.39%. Management deflected on catastrophe losses, combined-ratio targets and Ind AS impact.
General Insurance Corporation of India Results Update
GIC Re reported half-year ended 30 September 2026 gross premium of Rs.24,703.57 crore and profit after tax of Rs.4,377.66 crore. PAT fell 5.23% year on year.
General Insurance Corporation of India Q2 FY27 Results: Net Profit ₹2,966 Cr, Up 3.2% YoY
General Insurance Corporation of India reported revenue from operations of ₹13,540 Cr (+17.8% YoY) and net profit of ₹2,966 Cr (+3.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹2,966 Cr · +3.2% YoY
General Insurance Corporation of India Board Meeting Date
General Insurance Corporation of India gave prior notice that its board meets on 30 October 2026 to consider unaudited Q2 standalone and consolidated results. The trading window stays closed until 48 hours after results.
General Insurance Corporation of India Annual General Meeting
General Insurance Corporation of India issued a Postal Ballot notice to shareholders. The agenda includes the appointment of Shri Divesh Sehara as Government Nominee Director.
General Insurance Corporation of India Other Announcement
The company submitted its quarterly shareholding pattern under SEBI regulations. It also provided an update on its request for extending minimum public shareholding compliance deadlines.