General Insuranc Q1 FY27 Share Price & Earnings Call Analysis

Financials of General Insuranc

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of General Insuranc

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales +10,65611,16613,07511,14810,25412,88612,37811,14413,20914,62312,75512,58913,018
Expenses +7,42310,20011,6119,5237,29011,4139,9989,21510,21012,0189,99310,22310,556
Operating Profit3,2339661,4651,6252,9641,4732,3801,9292,9982,6052,7622,3662,463
OPM %30%9%11%15%29%11%19%17%23%18%22%19%19%
Other Income +-20818739119513117-9325514659553135645
Interest0000000000000
Depreciation0000000000000
Profit before tax3,0251,1541,8551,8203,0961,4902,2872,1843,1442,6643,3152,5013,108
Tax %14%18%13%24%18%25%18%26%25%18%19%24%23%
Net Profit +2,7299781,6891,4392,5801,4011,8561,6772,4992,5312,8741,7262,533
EPS in Rs15.565.579.638.2014.717.9810.589.5614.2414.4216.389.8414.44

Financials of General Insuranc

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales +13,59515,33826,77638,19844,92850,34548,58348,96746,63845,97849,61752,986
Expenses +15,16016,85127,56139,90041,20452,44545,51045,81639,70938,50640,82042,893
Operating Profit-1,566-1,512-786-1,7023,724-2,1003,0733,1516,9297,4728,79710,092
OPM %-12%-10%-3%-4%8%-4%6%6%15%16%18%19%
Other Income +4,4364,5454,5735,3511451,754116181,1124653241,391
Interest33271200001110
Depreciation991081419151410121537
Profit before tax2,8293,0213,7703,6303,854-3663,0693,7558,0317,9259,10511,447
Tax %1%11%13%12%32%-24%41%41%18%18%23%21%
Net Profit +2,8912,8233,6723,1462,758-1861,9922,3866,9076,6867,4329,662
EPS in Rs336.163.284.2717.9315.72-1.0611.3513.6039.3738.1142.3655.08
Dividend Payout %11%19%27%38%43%0%0%17%18%26%24%18%

Financials of General Insuranc

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital430430430439877877877877877877877877
Reserves43,74241,44519,75323,71624,61523,06731,58635,13144,30854,37960,62269,604
Borrowings +000000000000
Other Liabilities +30,74534,22877,13188,32996,71696,637107,801115,833117,546129,196133,268135,252
Total Liabilities74,91676,10397,314112,484122,209120,581140,265151,841162,731184,452194,768205,733
Fixed Assets +181214192200225209200200324318327332
CWIP000000000080
Investments56,75855,68666,48173,79182,04570,91893,990104,677114,738135,763143,280148,373
Other Assets +17,97820,20330,64138,49339,93849,45546,07546,96347,66948,37251,15357,028
Total Assets74,91676,10397,314112,484122,209120,581140,265151,841162,731184,452194,768205,733

Financials of General Insuranc

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +2,6356,0137,9018,8377,6048,61713,2849,05111,722-2121,976
Cash from Investing Activity +-2,763-3,332-4,414-5,605-7,501-4,016-10,802-6,188-9,0761,749-275
Cash from Financing Activity +-387-650-1,035-1,206-1,428-1,42800-395-1,263-1,754
Net Cash Flow-5152,0302,4522,026-1,3243,1742,4822,8632,251274-53
Free Cash Flow2,6015,9707,8988,8217,5648,61413,2789,03611,589-2171,952
CFO/OP-145%-402%-1,046%-543%240%-440%467%334%195%22%48%

Financials of General Insuranc

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days000000000000
Inventory Days
Days Payable
Cash Conversion Cycle000000000000
Working Capital Days-720-740-396-336-321-353-447-496-564-604-595-595
ROCE %3%3%7%7%13%-1%11%11%20%13%13%17%

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What General Insuranc's management said in earlier quarters

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