| Revenue growth | NEP grew 7.6% YoY; GWP declined 8.4%. |
|---|---|
| Margins | Combined operating ratio rose to 100.8% (IndAS). |
| Order book | AUM stood at ₹23,377 cr (+14.2% YoY). |
| Demand visibility | Soft market conditions noted in strategy headline. |
| Management confidence | Focusing on 'Profitability Discipline Over Growth'. |
Growth
IndAS Profit After Tax (PAT) for Q1 FY27 was ₹372 cr. NEP grew 7.6% YoY to ₹2,007 cr.
Outlook
Solvency remains strong at 2.43x. Management targets profitability discipline in a soft market environment.
Risks
Loss ratio increased to 73.3% from 70.3% YoY; combined ratio worsened to 107.2% with DAC.
Last quarter's promises, checked
Delivered
- Target 10% equity allocation → delivered 8.5% with runway to 12.5% (= BEAT)
- Target leverage of 5.0x → delivered 5.0x (= BEAT)
- Target improved loss ratio vs previous quarter → delivered 1.3% improvement (= BEAT)
Partly delivered
- Target GDPI growth vs industry (13%) → delivered 16.2% overall but 0.4% in motor (= PARTIAL)
Missed
- Target motor loss ratio stable vs last year → delivered 73.3% vs 70.3% (= MISS)
- Target combined ratio improvement → delivered 107.2% vs 105.7% (= MISS)
Investor Presentation filed with NSE, NSE: GODIGIT. Summary written with AI assistance from the document.
Go Digit General Insurance Ltd: key numbers
- Share price
- ₹264.75
- Market cap
- ₹24,416 Cr
- Revenue (annual)
- ₹10,005 Cr
- Net profit (annual)
- ₹544.4 Cr
- P/E (TTM)
- 47.4×Sector 21.8×
- Promoter holding
- 73.00%-0.01% QoQ
- FII holding
- 8.23%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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