ALFA Finder| 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
- ₹258.55
- Market cap
- ₹23,845 Cr
- Revenue (annual)
- ₹10,005 Cr
- Net profit (annual)
- ₹544.4 Cr
- P/E (TTM)
- 28.6×Sector 20.8×
- Promoter holding
- 72.96%-0.04% QoQ
- FII holding
- 6.58%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
All →Go Digit General Insurance Earnings Call Transcript: Key Takeaways
Flood-hit quarter: GDPI -1.1% vs industry +7%, PAT ex-MTM ₹208 Cr vs ₹277 Cr. Management reframes results via Ind AS and ex-flood adjustments, and defers discounting detail to February.
Go Digit General Insurance Acquisition
Go Digit shareholders approved the amalgamation of Go Digit Infoworks Services into the company at an NCLT-convened meeting. No cash consideration is payable under the scheme.
Go Digit General Insurance Investor Presentation: Key Takeaways
Q2 FY27 Ind AS insurance revenue ₹2,720 cr (+1.7%); PAT ex-MTM ₹208 cr (-24.9%) on claims ratio 62.4%; CISR 99.8%; solvency 2.40x.
Go Digit General Insurance Q2 FY27 Results: Net Profit ₹142.4 Cr, Down 31.1% YoY
Go Digit General Insurance Ltd reported revenue from operations of ₹2,720 Cr (+1.7% YoY) and net profit of ₹142.4 Cr (-31.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹142.4 Cr · -31.1% YoY
Go Digit General Insurance Board Meeting Date
Go Digit General Insurance has scheduled a board meeting on 5 November 2026 to approve unaudited Q2 and H1 FY27 results. The trading window stays closed until 9 November 2026.
Go Digit General Insurance Credit Rating
Go Digit General Insurance's CRISIL corporate credit rating was re-affirmed at AA- on 23 October 2026. The outlook moved from Rating Watch with Developing Implications to Rating Watch with Positive Implications.