General Insurance Corporation of India
General Insurance Corporation of India provides reinsurance services in India and internationally. It offers property, energy, marine, engineering, liability, spares, health, agriculture/weather, motor and workmen compensation, aviation, life, marine hull, cargo and offshore energy, and miscellaneous products. The company was incorporated in 1972 and is headquartered in Mumbai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Maintains healthy dividend payout of 27.0%
Concerns1
- Negative free cash flow (₹230 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (₹ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (₹ Crores, last 1 year)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | ₹48.90 K Cr | — | ₹6.70 K Cr | — | — | 11.6% | 6.8% | 3.1% |
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Financial Statements
Income statement, balance sheet, and cash flow (₹ Crores, as reported)
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Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 50,868 |
| Total Expenses | 41,093 |
| EBIT / Operating Profit | 9,775 |
| OPM % | 19% |
| Other Income | 1,033 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 10,808 |
| Tax % | - |
| Net Profit / PAT | 8,423 |
| EPS (₹) | 48.01 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| General Insurance Corporation of Indiathis co. | ₹64.38 K Cr | ₹48.90 K Cr | 7.64 | 1.03 | 6.98 | 6.8% |
| HDFC Bank Ltd. | ₹14.43 L Cr | ₹3.01 L Cr | 20.30 | 2.78 | — | 16.3% |
| ICICI Bank Ltd. | ₹10.28 L Cr | ₹1.63 L Cr | 20.70 | 3.32 | — | 14.3% |
| State Bank Of India | ₹9.49 L Cr | ₹4.62 L Cr | 13.30 | 1.83 | — | 11.4% |
| Bajaj Finance Limited | ₹5.91 L Cr | ₹61.95 K Cr | 36.80 | 6.33 | — | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | ₹5.26 L Cr | ₹8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | ₹4.24 L Cr | ₹52.92 K Cr | 31.70 | 3.39 | — | 15.5% |
| Industry Average | — | ₹30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |