GODIGIT
Go Digit General Insurance Limited
Go Digit General Insurance Limited (GODIGIT) financial statements and selected valuation metrics through 30 June 2026.
Financial Services›Financial Services›Insurance›General Insurance
godigit.com(opens the company website in a new tab)Key metrics
Price as of 2026-10-16
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
Share price and valuation multiples (P/E, P/B and more) over time.
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What you need to know
Go Digit General Insurance sells car, two-wheeler and commercial vehicle cover, health, fire, engineering and other general insurance to individuals and businesses in India, mostly through digital processes and partner distribution.
Company snapshot
5thBy market cap
Ranked among 6 companies in General Insurance.
What we see
- ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.
Statement tables · Standalone
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Standalone only
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Insurance layout · ₹ Cr · quarterly
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Premium | 2,034 Cr | 1,951 Cr | 2,109 Cr | 2,148 Cr | 2,113 Cr | 2,094 Cr |
| Expenses | 109 Cr | 175 Cr | 207 Cr | 217 Cr | 203 Cr | 202 Cr |
| Operating profit | 1,925 Cr | 1,775 Cr | 1,902 Cr | 1,932 Cr | 1,910 Cr | 1,892 Cr |
| Investment income | — | — | — | — | — | — |
| Other income | 324 Cr | 0.39 Cr | 0.24 Cr | 0.19 Cr | 469 Cr | 0.57 Cr |
| Profit before tax | 116 Cr | 161 Cr | 136 Cr | 163 Cr | 173 Cr | 115 Cr |
| Tax % | 0.0% | 13.9% | 14.1% | 14.0% | 13.4% | 25.2% |
| Net profit | 116 Cr | 138 Cr | 117 Cr | 140 Cr | 149 Cr | 86 Cr |
| EPS (₹) | ₹1.25 | ₹1.50 | ₹1.26 | ₹1.52 | ₹1.62 | ₹0.93 |
Profit & loss (annual)
Annual insurance P&L · TTM where available · ₹ Cr
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Premium | 1,944 Cr | 3,404 Cr | 5,164 Cr | 8,231 Cr | 8,321 Cr | Sign in free for the trailing twelve months |
| Expenses | — | — | — | 778 Cr | 803 Cr | Sign in free for the trailing twelve months |
| Operating profit | — | — | — | 7,453 Cr | 7,519 Cr | Sign in free for the trailing twelve months |
| Investment income | — | — | — | — | — | Sign in free for the trailing twelve months |
| Other income | — | — | — | 324 Cr | 470 Cr | Sign in free for the trailing twelve months |
| Profit before tax | -123 Cr | -296 Cr | 36 Cr | 425 Cr | 632 Cr | Sign in free for the trailing twelve months |
| Tax % | — | — | — | 0.0% | 13.8% | Sign in free for the trailing twelve months |
| Net profit | -123 Cr | -296 Cr | 36 Cr | 425 Cr | 544 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹-1.50 | ₹-3.55 | ₹0.41 | ₹4.65 | ₹5.89 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | 0.0% | 0.0% | Sign in free for the trailing twelve months |
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 825 Cr | 859 Cr | 874 Cr | 923 Cr | 925 Cr |
| Reserves | 1,047 Cr | 2,059 Cr | 2,470 Cr | 3,441 Cr | 3,716 Cr |
| Borrowings | — | — | — | 350 Cr | 350 Cr |
| Other liabilities | 3 Cr | 0.53 Cr | 2 Cr | 16,747 Cr | 19,961 Cr |
| Total liabilities | 1,875 Cr | 2,919 Cr | 3,347 Cr | 21,461 Cr | 24,952 Cr |
| Fixed assets (net) | — | — | — | 162 Cr | 157 Cr |
| CWIP | — | — | — | — | — |
| Investments | — | — | — | 19,464 Cr | 22,703 Cr |
| Cash & bank | 160 Cr | 147 Cr | 279 Cr | 239 Cr | 219 Cr |
| Other assets | 1,715 Cr | 2,772 Cr | 3,067 Cr | 1,596 Cr | 1,874 Cr |
| Total assets | 1,875 Cr | 2,919 Cr | 3,347 Cr | 21,461 Cr | 24,952 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from operating activity | 1,563 Cr | 2,479 Cr | 2,250 Cr | 1,604 Cr | 2,026 Cr |
| Cash from investing | -1,637 Cr | -3,487 Cr | -2,514 Cr | -2,837 Cr | -2,019 Cr |
| Cash from financing | 159 Cr | 995 Cr | 397 Cr | 1,092 Cr | -28 Cr |
| Net cash flow | 86 Cr | -13 Cr | 133 Cr | -141 Cr | -22 Cr |
| Free cash flow (OCF − Capex) | 1,536 Cr | 2,429 Cr | 2,229 Cr | 1,586 Cr | 2,008 Cr |
Ratios
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — |
| ROE % | -6.6% | -10.1% | 1.1% | 9.7% | 11.7% |
| Debtor days | — | — | — | — | — |
| Inventory days | — | — | — | — | — |
| Days payable | — | — | — | — | — |
| Cash conversion cycle | — | — | — | — | — |
| Debt / equity | — | — | — | 0.08 | 0.08 |
| Current ratio | — | — | — | 0.14 | 0.13 |
| Net debt / EBITDA | — | — | — | — | — |
Regulatory ratios (as filed, standalone basis)
IRDAI ratios as filed with results. Key metrics may show the investor-deck figure, which can differ.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Solvency ratio | 224.0% | 242.0% |
| Claims ratio | 72.8% | 72.9% |
| Combined ratio | 109.3% | 110.7% |
| Expenses of management ratio | 39.0% | 40.5% |
| Net retention ratio | 80.2% | 73.7% |