āagman

Not investment advice. Data and computed figures, for information only.

General Insurance Corporation of India

NSE: GICRE
₹326.35
+₹6.00 (+1.87%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹54,843 Cr
CMP
₹326.35
52-wk High / Low
₹418 / 308
P/E
6.2
P/B
0.7
Book Value
₹422.0
Div Yield
4.24%
ROCE
17.0%
ROE
14.6%
Face Value
₹5
D/E
0.00

Price−15.0% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
6
/ 9
6 of 9 F-score tests passed
Graham Number
₹723
√(22.5 × EPS × book value per share)
ROIC
12.0%
vs 10.0% sector median
Cash flow to profit
0.05
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
−378
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
10.8%
ROE × earnings retention ratio
ROE stability
2.9
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −5.00FII +0.38DII +4.18
Latest quarter vs the previous one
Cash-accrual divergence
4.6%
of assets
Low = accruals track cash flow
Strengths
+Annualised volatility of 23.5% is in the low band (≤25%)
+FII holding rose by 1.8pp over the last year
+PE of 6.2x is below the sector median of 20.4x
Watch-outs
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 8.4pp over the last year

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales11,16613,07511,14810,25412,88612,37811,14413,20914,62312,75512,58913,01814,401
Expenses10,20011,6119,5237,29011,4139,9989,21510,21012,0189,99310,22310,55612,380
Operating Profit9661,4651,6252,9641,4732,3801,9292,9982,6052,7622,3662,4632,021
OPM %8.7%11.2%14.6%28.9%11.4%19.2%17.3%22.7%17.8%21.7%18.8%18.9%14.0%
Other Income18739119513117−9325514659553135645171
Interest0000000000000
Depreciation0000000000000
Profit before tax1,1541,8551,8203,0961,4902,2872,1843,1442,6643,3152,5013,1082,192
Net Profit9781,6891,4392,5801,4011,8561,6772,4992,5312,8741,7262,5331,744
EPS (₹)5.579.638.2014.717.9810.589.5614.2414.4216.389.8414.449.94

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales13,59515,33826,77638,19844,92850,34548,58348,96746,63845,97849,61752,98652,763
Expenses15,16016,85127,56139,90041,20452,44545,51045,81639,70938,50640,82242,92343,152
Operating Profit−1,566−1,512−786−1,7023,724−2,1003,0733,1516,9297,4728,79510,0629,611
OPM %−11.5%−9.9%−2.9%−4.5%8.3%−4.2%6.3%6.4%14.9%16.3%17.7%19.0%18.2%
Other Income4,4364,5454,5735,3511451,754116181,1124653241,3911,504
Interest332712000011000
Depreciation991081419151410121560
Profit before tax2,8293,0213,7703,6303,854−3663,0693,7558,0317,9259,10511,44711,115
Net Profit2,8912,8233,6723,1462,758−1861,9922,3866,9076,6867,4329,6628,875
EPS (₹)336.163.284.2717.9315.72−1.0611.3513.6039.3738.1142.3655.0850.60

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital430430430439877877877877877877877877—
Reserves43,74241,44519,75323,71624,61523,06731,58635,13144,30854,37960,62269,604—
Borrowings000000000000—
Other Liabilities30,74534,22877,13188,32996,71696,6371,07,8011,15,8331,17,5461,29,1961,33,2681,35,247—
Total Liabilities74,91676,10397,3141,12,4841,22,2091,20,5811,40,2651,51,8411,62,7311,84,4521,94,7682,05,728—
Fixed Assets181214192200225209200200324318327332—
CWIP0000000000812—
Investments56,75855,68666,48173,79182,04570,91893,9901,04,6771,14,7381,35,7631,43,2801,48,373—
Other Assets17,97820,20330,64138,49339,93849,45546,07546,96347,66948,37251,15357,011—
Total Assets74,91676,10397,3141,12,4841,22,2091,20,5811,40,2651,51,8411,62,7311,84,4521,94,7682,05,728—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity—2,6356,0137,9018,8377,6048,61713,2849,05111,722−2121,976466
Cash from Investing Activity—−2,763−3,332−4,414−5,605−7,501−4,016−10,802−6,188−9,0761,749−2751,281
Cash from Financing Activity—−387−650−1,035−1,206−1,428−1,42800−395−1,263−1,754−1,754
Net Cash Flow—−5152,0302,4522,026−1,3243,1742,4822,8632,251274−53−7

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—3.03.07.07.013.0−1.011.011.020.013.016.017.0
ROE %————————————14.6
EPS (₹)282.91336.163.284.2717.9315.72−1.0611.3513.6039.3738.1142.3655.08
Book Value (₹)————————————422.0
Face Value (₹)————————————5
P/E————————————6.2
Div Yield %————————————4.24
NPM %17.916.014.211.77.26.1−0.44.14.814.514.414.917.8
OPM %−18.0−12.0−10.0−2.9−4.58.0−4.26.06.015.016.018.019.0
D/E0.000.000.000.000.000.000.000.000.000.000.000.000.00
P/B————————————0.7

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+13.0%
5 years+2.0%
3 years+4.0%
TTM+3.0%
Compounded profit growth
10 years+20.0%
5 years+37.0%
3 years+12.0%
TTM+4.0%
Stock price CAGR
5 years+16.0%
3 years+12.0%
Last year−19.0%
Return on equity
10 years11.0%
5 years13.0%
3 years13.0%
Last year15.0%

Shareholding pattern

As of 31 Dec 2025
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters85.78%85.78%85.78%85.78%85.78%85.78%85.78%85.78%82.40%82.40%77.40%
FIIs0.30%0.30%0.26%0.26%0.55%0.45%0.67%0.87%1.93%2.05%2.43%
DIIs11.79%11.79%12.07%11.90%11.57%10.90%11.02%11.06%13.68%13.55%17.73%
Government———————————
Public2.13%2.13%1.89%2.06%2.09%2.87%2.53%2.30%2.00%2.00%2.45%
No. of shareholders3,03,3743,03,3742,71,9482,57,3432,52,2482,73,5292,48,1002,42,3142,26,1622,17,4942,24,351
Change since Jun 2023 (pp)
Promoters −8.38FIIs +2.13DIIs +5.94Public +0.32

Documents

As of 11 Oct 2026
Announcements
Board Meeting Outcome for Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015Announcement under Regulation 30 (LODR)-Change in ManagementAnnouncement Under Regulation 30 Of SEBI (LODR) Regulations, 2015Announcement under Regulation 30 (LODR)-Credit RatingAnnouncement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026TranscriptAug 2026PPTAug 2026RecordingAug 2026PPTJun 2026TranscriptJun 2026PPTFeb 2026TranscriptFeb 2026PPTDec 2025PPT

Corporate actions

As of 4 Sep 2026
4 Sep 2026DIVIDENDDividend - Rs 13.25 Per Share—
4 Sep 2025DIVIDENDDividend - Rs 10 Per Share—
11 Sep 2024DIVIDENDDividend - Rs 10 Per Share—
8 Sep 2023DIVIDENDDividend - Rs 7.20 Per Share—
19 Jul 2019DIVIDEND Dividend Rs 6.75 Per Share—
12 Jul 2018BONUS Bonus 1:1/Dividend- Rs 13.5 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman