| Margins | Combined ratio improved to 104.9% in Q1 FY27. |
|---|---|
| Demand visibility | Strong; industry GWP growing at 14% CAGR. |
| Management confidence | High regarding market leadership and solvency improvement. |
Growth
Stand-alone GWP reached ₹13,475 Cr in Q1 FY27; Incurred Claims Ratio improved to 85.0% vs 92.3% in FY24.
Outlook
Targeting ₹99,000 Cr reinsurance market by FY26; focused on Ind AS implementation and diversifying into Cyber and Surety.
Risks
Exposure to catastrophic events and climate change; volatility in international business underwriting profitability.
Last quarter's promises, checked
Delivered
- Guided combined ratio improvement by 1-2% → Delivered 104.9% vs 106.02% (= BEAT)
- Targeted improved solvency ratio → Delivered 4.21 vs 3.70 (= BEAT)
- Targeted growth in motor segment → Delivered tremendous growth/double market rate (= BEAT)
Partly delivered
- Targeted single-digit domestic growth → Delivered stand-alone GWP growth to ₹13,475 Cr (= PARTIAL)
Investor Presentation filed with NSE, NSE: GICRE. Summary written with AI assistance from the document.
General Insurance Corporation of India: key numbers
- Share price
- ₹337.50
- Market cap
- ₹59,211 Cr
- Revenue (annual)
- ₹52,986 Cr
- Net profit (annual)
- ₹9,662 Cr
- P/E (TTM)
- 6.7×Sector 22.0×
- Promoter holding
- 77.40%-5.00% QoQ
- FII holding
- 2.43%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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