| Revenue growth | GDPI down 8% YoY due to exiting unprofitable fire/health business. |
|---|---|
| Margins | Combined ratio at 107.2%; own-damage loss ratios remain elevated. |
| Management confidence | Balanced and disciplined; prioritizing profitability over 'irrational' market growth. |
Growth
GDPI fell 8%, driven by a -37% de-growth in fire; motor remained flat at 0.4%.
Outlook
Management refuses to provide numeric guidance, prioritizing a combined ratio approach over chasing volume.
Risks
Heightened competition in motor own-damage and motor third-party segments creates significant loss ratio pressure.
Last quarter's promises, checked
Delivered
- Guided leverage to stay near 5% → delivered 5% (= BEAT)
- Guided equity allocation target of 10% → delivered 8.5% with runway to 12.5% (= BEAT)
- Guided Indian accounting alignment by April 2026 → delivered audited FY26 results under new standards (= BEAT)
Partly delivered
- Guided 2-wheeler expansion → delivered 26% growth but with 3.5% negative impact on EoM (= PARTIAL)
Missed
- Guided GDPI growth to outpace industry (13%) → delivered -8% in current quarter (= MISS)
- Guided motor loss ratio stabilization → delivered flat motor growth with continued loss ratio pressure (= MISS)
Earnings Call Transcript filed with NSE, NSE: GODIGIT. Summary written with AI assistance from the document.
Go Digit General Insurance Ltd: key numbers
- Share price
- ₹263.70
- Market cap
- ₹24,320 Cr
- Revenue (annual)
- ₹10,005 Cr
- Net profit (annual)
- ₹544.4 Cr
- P/E (TTM)
- 47.2×Sector 21.9×
- 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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