| 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
- ₹253.70
- Market cap
- ₹23,397 Cr
- Revenue (annual)
- ₹10,005 Cr
- Net profit (annual)
- ₹544.4 Cr
- P/E (TTM)
- 45.4×Sector 22.0×
- 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
All →Go Digit General Insurance Credit Rating
Cril re-affirmed Go Digit General Insurance Ltd's Corporate Credit Rating as AA-. The rating carries a Rating Watch with Developing Implications, flagging a potential future change.
Go Digit General Insurance Acquisition
Go Digit General Insurance updated its draft Scheme of Amalgamation with Go Digit Infoworks Services to include mandatory regulatory references required by the IRDAI.
Go Digit General Insurance Management Change
Mr. Giridhar Aramane has resigned as an Independent Director of Go Digit General Insurance Limited. The resignation follows his appointment as Chairman and MD of Unitech Limited.
Go Digit General Insurance Earnings Call Transcript: Key Takeaways
Digit is intentionally sacrificing top-line growth to preserve margins amidst an irrational pricing environment, particularly in motor and fire segments.
Go Digit General Insurance Investor Presentation: Key Takeaways
Go Digit Q1 FY27 results show focus on 'profitability over growth'. Reported NEP of ₹2,007 cr (+7.6% YoY) but a de-growth in GWP (-8.4%) and GDPI (-2.4%).
Go Digit General Insurance Q1 FY27 Results: Net Profit ₹86.4 Cr, Down 37.5% YoY
Go Digit General Insurance Ltd reported revenue from operations of ₹2,359 Cr (+8.3% YoY) and net profit of ₹86.4 Cr (-37.5% YoY) for Q1 FY27.
- Key figure
- Net profit ₹86.4 Cr · -37.5% YoY