Go Digit General Insurance Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹24,513 Cr
- P/E
- 49.77
- ROE
- 12.17%
- PEG
- 0.34
- Price to sales
- 2.41
- Debt to equity
- 0.08
- 52W high / low
- ₹366 / ₹239
- Sales growth (5Y)
- 34.75%
- EBITDA margin
- 1.12%
- Net profit margin
- 5.44%
- Promoter holding
- 73.00%
- Sales (last year)
- ₹10,196 Cr
Incorporated in 2016, Go Digit General Insurance Ltd provides motor, health, and other insurances[1]
Guidance scorecard · Q1 FY27 call
What Go Digit General Insurance Ltd's management guided
and where it ranks in Insurance
RevenueQ1 FY27 call
Decline- Growth has significantly slowed in the last 2.5-3 years compared to earlier periods.
- Current market conditions are soft by choice; the focus is on profitability over growth.
- Motor business is flat overall; strong growth in 2-wheeler segment (around 21-23%), but decline in commercial vehicles (-27%).
- Fire insurance business is de-growing more sharply than the industry due to rate reductions and conscious portfolio pruning (-37% fire vs. -27% industry).
- Growth in bancassurance, institutional channels, and digital partnerships (B2C) remains fairly good.
- No expectation of immediate improvement; management is assuming soft market conditions to persist, focusing on sustainable growth.
2 more points from Go Digit General Insurance Ltd's call on revenue
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MarginsQ1 FY27 call
FlatSee what Go Digit General Insurance Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
- The company has increased its Asset Under Management (AUM) substantially in the last 2 years by about INR 3,000 crores.
- Equity allocation has increased to about 9.5% of AUM, with INR 268 crores of unrealized gains.
- The company maintains capital allocation discipline in both underwriting and investment.
- They are positioned to increase equity allocation up to 13-14% if markets decline.
2 more points from Go Digit General Insurance Ltd's call on capex
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FundraisingQ1 FY27 call
See what Go Digit General Insurance Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
FlatAsk what Go Digit General Insurance Ltd said on the order book →
Full Q1 FY27 analysisRanges 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
- Niva Bupa Health Insurance Company LtdGood growth2
- Max Financial Services LtdGood growth1
- Medi Assist Healthcare Services LtdGood growth3
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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
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | Max Financial Services Ltd | 20–40% | Flat | ₹44,689 Cr | 411.9 |
| 2 | Niva Bupa Health Insurance Company Ltd | 20–40% | Flat | ₹14,047 Cr | 80.6 |
| 3 | Medi Assist Healthcare Services Ltd | 20–40% | Flat | ₹2,286 Cr | 23.1 |
| 4 | 10–20% | Flat | ₹1.20L Cr | 58.6 |
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Pro shows every company guiding 40%+ revenue growth →Full Insurance rankingGo Digit General Insurance Ltd announcements
All announcements →- Acquisition / mergerNotableGo Digit General Insurance notices 5 Nov 2026 shareholder meeting on Infoworks merger scheme
Financials of Go Digit General Insurance Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Go Digit General Insurance Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales + | 1,602 | 1,701 | 1,905 | 2,286 | 2,256 | 2,105 | 2,234 | 2,436 | 2,594 | 2,236 | 2,488 | 2,570 | 2,711 |
| Expenses + | 1,576 | 1,643 | 1,877 | 2,243 | 2,672 | 2,004 | 2,145 | 2,318 | 2,804 | 2,077 | 2,353 | 2,408 | 3,008 |
| Operating Profit | 26 | 58 | 28 | 43 | -415 | 101 | 89 | 118 | -209 | 159 | 135 | 162 | -297 |
| OPM % | 2% | 3% | 1% | 2% | -18% | 5% | 4% | 5% | -8% | 7% | 5% | 6% | -11% |
| Other Income + | 0 | 0 | 0 | 0 | 468 | 0 | 0 | 0 | 325 | 1 | 1 | 1 | 470 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 26 | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 14% | 14% | 14% | 13% |
| Net Profit + | 26 | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 |
| EPS in Rs | 0.29 | 0.67 | 0.32 | 0.49 | 0.60 | 1.10 | 0.97 | 1.29 | 1.25 | 1.50 | 1.26 | 1.52 | 1.62 |
Financials of Go Digit General Insurance Ltd
Profit & Loss
Annual income statement trend
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Sales + | 2,252 | 3,841 | 5,885 | 8,147 | 9,371 | 10,005 |
| Expenses + | 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,846 |
| Operating Profit | -114 | -283 | 50 | -269 | 121 | 159 |
| OPM % | -5% | -7% | 1% | -3% | 1% | 2% |
| Other Income + | 0 | -0 | 0 | 468 | 324 | 473 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 9 | 12 | 15 | 18 | 20 | 0 |
| Profit before tax | -123 | -296 | 36 | 182 | 425 | 632 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 14% |
| Net Profit + | -123 | -296 | 36 | 182 | 425 | 544 |
| EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 | 5.89 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Go Digit General Insurance Ltd
Balance Sheet
Capital structure and asset base
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 825 | 859 | 874 | 875 | 923 | 924 |
| Reserves | 402 | 1,119 | 1,565 | 1,844 | 3,391 | 3,738 |
| Borrowings + | 0 | 0 | 0 | 350 | 350 | 350 |
| Other Liabilities + | 4,777 | 8,070 | 11,050 | 13,889 | 16,797 | 19,940 |
| Total Liabilities | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
| Fixed Assets + | 22 | 125 | 161 | 173 | 215 | 157 |
| CWIP | 81 | 24 | 1 | 2 | 1 | 0 |
| Investments | 5,430 | 9,247 | 12,389 | 15,395 | 19,409 | 22,703 |
| Other Assets + | 471 | 652 | 938 | 1,388 | 1,835 | 2,093 |
| Total Assets | 6,004 | 10,048 | 13,490 | 16,958 | 21,461 | 24,952 |
Financials of Go Digit General Insurance Ltd
Cash Flows
Operating, investing and financing cash movement
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity + | 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | 2,026 |
| Cash from Investing Activity + | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 |
| Cash from Financing Activity + | 159 | 995 | 397 | 342 | 1,092 | -28 |
| Net Cash Flow | 86 | -13 | 133 | 77 | -141 | -22 |
| Free Cash Flow | 1,536 | 2,429 | 2,229 | 1,704 | 1,587 | 2,009 |
| CFO/OP | -1,374% | -875% | 4,456% | -641% | 1,325% | 1,273% |
Financials of Go Digit General Insurance Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -723 | -719 | -644 | -576 | -592 | -658 |
| ROCE % | -18% | 2% | 5% | 11% | 13% |
Guidance history
How Go Digit General Insurance Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | Decline | Flat | — | — | Flat |
| Q4 FY26 call → | 10–20% | Flat | Planned | — | — |
| Q3 FY26 call → | 10–20% | Flat | — | — | — |
| Q2 FY26 call → | 10–20% | Flat | — | — | Rising |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
18 out of 100 — Cooling
Over the past year its share price has done worse than most of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −27.7% | 26% |
| Last 6 months | −14.4% | 29% |
| Last 3 months | +3.7% | 70% |
The price is 32% below its all-time high of ₹389.05 (6 Sept 2024). Stocks more than 20% below their peak have their score halved, so 36 became 18.
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 Go Digit General Insurance Ltd: 0.4 × 26 + 0.4 × 29 + 0.2 × 70 = 36, halved to 18 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 Go Digit General Insurance Ltd's management said in earlier quarters
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