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General Insurance Corporation of India Q1 FY27 Share Price & Earnings Call Analysis

₹322.30-0.86% today
Market cap
₹56,467 Cr
P/E
6.34
ROE
14.64%
PEG
0.54
Price to sales
1.08
Debt to equity
0.00
52W high / low
₹409 / ₹309
Sales growth (5Y)
1.75%
EBITDA margin
18.22%
Net profit margin
18.24%
Promoter holding
77.40%
Sales (last year)
₹52,763 Cr

General Insurance Corporation of India is engaged in the business of Reinsurance.(Source : 201903 Annual Report Page No:87)

Guidance scorecard · Q1 FY27 call

What General Insurance Corporation of India's management guided
and where it ranks in Insurance

Revenue10–20%MarginsFlatCapexWhat management saidFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

10–20%
  • Domestic growth target set at approximately 10%, with foreign/international segment expected to see more pronounced growth.
  • Growth targets will be reviewed mid-year based on ongoing market and portfolio performance.
  • Long-term goal to balance domestic and international premium income at 50:50; medium-term target approximately 60:40 ratio favoring domestic growth due to its faster expansion.
  • International business growth may be modest in short-term (not expected to return to previous high levels within 2 years; possibly 3-4 years for significant rebound) due to softening market trends.

2 more points from General Insurance Corporation of India's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what General Insurance Corporation of India said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

  • Focus on improving underwriting profitability over growth, with combined ratio targets for domestic (103) and foreign (95) books in 2-3 years.
  • Calibrated approach to growing the retail health insurance segment and expanding life reinsurance in a measured way backed by actuarial analysis.
  • Intent to rebalance catastrophe exposures, grow casualty and specialty reinsurance internationally with skill development.

2 more points from General Insurance Corporation of India's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what General Insurance Corporation of India said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what General Insurance Corporation of India said on the order book →

Full Q1 FY27 analysis
Full Insurance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Insurance
on management's own guidance

  1. Niva Bupa Health Insurance Company LtdGood growth
    2
  2. Max Financial Services LtdGood growth
    1
  3. Medi Assist Healthcare Services LtdGood growth
    3
See all potential multibaggersWhere does General Insurance Corporation of India rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Insurance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Max Financial Services Ltd20–40%Flat₹44,689 Cr411.9
2Niva Bupa Health Insurance Company Ltd20–40%Flat₹14,047 Cr80.6
3Medi Assist Healthcare Services Ltd20–40%Flat₹2,286 Cr23.1
410–20%Flat₹1.20L Cr58.6

Sign up free to see every company in the sector ranking and track General Insurance Corporation of India.

Pro shows every company guiding 40%+ revenue growth →Full Insurance ranking

Financials of General Insurance Corporation of India

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

Financials of General Insurance Corporation of India

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 Insurance Corporation of India

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 Insurance Corporation of India

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 Insurance Corporation of India

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 Insurance Corporation of India

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%

Guidance history

How General Insurance Corporation of India's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%Flat———
Q4 FY26 call →0–10%Up 0–2%———
Q3 FY26 call →0–10%Up 0–2%———
Q2 FY26 call →0–10%Flat———

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

17out of 100

Momentum score · price trend

17 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−16.6%41%
Last 6 months−18.1%22%
Last 3 months−9.6%41%

The price is 35.7% below its all-time high of ₹501 (20 Dec 2024). Stocks more than 20% below their peak have their score halved, so 33 became 17.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For General Insurance Corporation of India: 0.4 × 41 + 0.4 × 22 + 0.2 × 41 = 33, halved to 17 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What General Insurance Corporation of India's management said in earlier quarters

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  • HDFC Life Insur. (Q3 FY26)

    Profit after tax (PAT) grew 7% to Rs. Key concall takeaways from HDFC Life Insurance Company Ltd's Q3 FY26 earnings call — and how it ranks against sector…

  • Max Financial Services Ltd (Q4 FY26)

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