ALFA Finder| 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
- ₹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.