āagman

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

Go Digit General Insurance Ltd

NSE: GODIGIT
₹283.35
−₹0.65 (−0.23%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹23,457 Cr
CMP
₹283.35
52-wk High / Low
₹374 / 232
P/E
47.6
P/B
5.0
Book Value
₹50.4
Div Yield
0.00%
ROCE
13.0%
ROE
12.2%
Face Value
₹10
D/E
0.08

Price−21.9% over 1Y

āagman read

Computed by āagman
Derived from 6 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
5
/ 9
5 of 9 F-score tests passed
Graham Number
₹82
√(22.5 × EPS × book value per share)
ROIC
2.7%
vs 10.0% sector median
Cash flow to profit
3.72
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
−241
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
12.2%
ROE × earnings retention ratio
ROE stability
9.6
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −0.01FII +0.22DII +0.39
Latest quarter vs the previous one
Cash-accrual divergence
−6.4%
of assets
Low = accruals track cash flow
Strengths
Watch-outs
−Price trades below its 200-day moving average (0.9x)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone 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
Sales1,7011,9052,2862,2562,1052,2342,4362,5942,2362,4882,5702,7112,427
Expenses1,6431,8772,2432,6722,0042,1452,3182,8042,0772,3532,4083,0082,313
Operating Profit582843−41510189118−209159135162−297114
OPM %3.4%1.5%1.9%−18.4%4.8%4.0%4.8%−8.1%7.1%5.4%6.3%−11.0%4.7%
Other Income0004680003251114701
Interest0000000000000
Depreciation0000000000000
Profit before tax5828435310189119116161136163173115
Net Profit582843531018911911613811714014986
EPS (₹)0.670.320.490.601.100.971.291.251.501.261.521.620.93

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 6 years + TTM
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales2,2523,8415,8858,1479,37010,00510,196
Expenses2,3664,1245,8358,4169,2509,82510,082
Operating Profit−114−28350−269120180114
OPM %−5.1%−7.4%0.8%−3.3%1.3%1.8%1.1%
Other Income000468325472472
Interest0000000
Depreciation912151820210
Profit before tax−123−29636182425632586
Net Profit−123−29636182425544492
EPS (₹)−1.49−3.440.412.084.605.895.33

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital825859874875923924—
Reserves4021,1191,5651,8443,3653,738—
Borrowings000350350350—
Other Liabilities4,7778,07011,05013,88916,82319,940—
Total Liabilities6,00410,04813,49016,95821,46124,952—
Fixed Assets22125161173215265—
CWIP81241213—
Investments5,4309,24712,38915,39519,40922,591—
Other Assets4716529381,3881,8352,093—
Total Assets6,00410,04813,49016,95821,46124,952—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity1,5632,4792,2501,7201,6042,026
Cash from Investing Activity−1,637−3,487−2,514−1,986−2,837−2,019
Cash from Financing Activity1599953973421,092−28
Net Cash Flow86−1313377−141−22

Ratios

As of 31 Mar 2026
6 periods
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—−18.02.05.011.013.0
ROE %—————12.2
EPS (₹)−1.49−3.440.412.084.605.89
Book Value (₹)—————50.4
Face Value (₹)—————10
P/E—————47.6
Div Yield %—————0.00
NPM %−5.5−7.70.62.14.45.2
OPM %−5.0−7.00.9−3.31.31.8
D/E0.000.000.000.130.080.08
P/B—————5.0

Growth

As of 27 Sep 2026
Compounded sales growth
5 years+35.0%
3 years+19.0%
TTM+7.0%
Compounded profit growth
5 years+45.0%
3 years+148.0%
TTM+7.0%
Stock price CAGR
Last year−28.0%
Return on equity
5 years6.0%
3 years11.0%
Last year12.0%

Shareholding pattern

As of 31 Dec 2024
Jun 2024Sep 2024Dec 2024
Promoters73.12%73.01%73.00%
FIIs7.86%8.01%8.23%
DIIs15.26%14.62%15.01%
Government———
Public3.76%4.35%3.77%
No. of shareholders71,32159,15260,707
Change since Jun 2024 (pp)
Promoters −0.12FIIs +0.37DIIs −0.25Public +0.01

Documents

As of 27 Sep 2026
Announcements
Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Credit RatingAnnouncement under Regulation 30 (LODR)-Scheme of ArrangementAnnouncement under Regulation 30 (LODR)-Resignation of DirectorAnnouncement under Regulation 30 (LODR)-Scheme of Arrangement
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTFeb 2026RecordingNov 2025TranscriptNov 2025PPTNov 2025RecordingOct 2025PPT

Corporate actions

Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman