| Margins | Combined ratio 107.2% (with DAC); NEP-driven metrics showing earning-through of premium. |
|---|---|
| Management confidence | High on DNA/discipline; cautious on soft market pricing. |
Growth
GWP decreased 8% YoY due to exiting unattractive health and crop reinsurance; NEP rose 8% to ₹2,007 Cr.
Outlook
Management prioritizing profitability over growth; focus on corrective pricing actions in motor and protecting treaty profitability in fire.
Risks
Own damage loss ratios increased in car portfolio; motor TP rates remain stagnant for 5 years despite inflation.
Last quarter's promises, checked
Delivered
- Tax rate 14% for FY26 → delivered 14% (= BEAT)
- Corrective pricing in private car motor OD → delivered corrective pricing actions (= BEAT)
- Maintain high solvency (230%) → delivered 2.43x (= BEAT)
Partly delivered
- Stabilize motor OD loss ratios in 2 quarters → delivered increased loss ratios in car portfolio (= PARTIAL)
Missed
- Growth in motor OD market share → delivered 8% GWP decrease (= MISS)
Investor Presentation filed with BSE, 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.
More from Go Digit General Insurance Ltd
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