Go Digit General Insurance Limited
₹260.60-₹3.55 (-1.3%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹31,319 Cr
- P/E
- 61.6x
- EV / EBITDA
- 157.7x
- Revenue
- ₹9,371 Cr
- Net margin
- 2.2%
- ROCE
- 0.6%
Price chart
Technical chartScreen technicals →-28.5% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- +0.2%
- 3M
- +2.2%
- 6M
- -15.7%
- 1Y
- -28.5%
- 5Y
- -13.2%
52-week range
Day change -₹3.55 (-1.3%) from ₹264 to ₹261 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in GODIGIT, bought on each weekday since 2024.
AI Summary
Indian StockStrengths1
- Revenue grew 15.0% YoY
Concerns1
- Low return on equity of 9.9%
Rule-based from financial data. Not advice.
About the company
Go Digit General Insurance Limited provides various insurance services in India.
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Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensation; and other products, such as travel, property, home, shop, fire, and office insurance products. It also provides other products comprising child insurance, protection, income, endowment, investment, and ULIP plans, as well as whole life insurance, and money back policy. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in May 2017. Go Digit General Insurance Limited was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited is a subsidiary of Go Digit Infoworks Services Private Limited.
- Sector
- Financial Services
- Shares outstanding
- 92.4 Cr shares
- ISIN
- INE03JT01014
- BSE code
- 544179
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹31,319 Cr
- P/E
- 61.6x
- P/B
- 6.8x
- EV / EBITDA
- 157.7x
- EV / Sales
- 3.9x
- P/S
- 3.8x
- Earnings yield
- 1.6%
- 52-week high
- ₹365.15
- 52-week low
- ₹239.10
Profitability
- Operating margin
- -3.3%
- Net margin
- 2.2%
- EBITDA margin
- 2.4%
- ROE
- 9.9%
- ROCE
- 0.6%
- ROA
- 1.1%
- Dividend payout
- 0.0%
- Tax rate
- 0.0%
- Other income, % of PBT
- 257.1%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹9,371 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 15.0%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹199 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 298.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 133.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,720 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -23.6%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹141 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 25.7%
Solvency and efficiency
- Current ratio
- 1.21
- Debt / Assets
- 0.02
- Debt / EBITDA
- 1.76
- Financial leverage
- 6.24
- CFO / Net profit
- 9.45
- Cash / Market cap
- 4.4%
- Cash per share
- ₹15.02
- Asset turnover
- 0.48
- Fixed asset turnover
- 47.09
- Capital intensity
- 0.02
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹5 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹9,250 Cr |
| Sales | Operating profit | ₹121 Cr |
| Operating profit | Depreciation | ₹20 Cr |
| Operating profit | Profit before tax | ₹101 Cr |
| Other income | Profit before tax | ₹324 Cr |
| Profit before tax | Net profit | ₹425 Cr |
Revenue and net profit
Revenue grew 15.0% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹2,252 Cr | -₹123 Cr |
| FY2022 | ₹3,841 Cr | -₹296 Cr |
| FY2023 | ₹5,885 Cr | ₹36 Cr |
| FY2024 | ₹8,147 Cr | ₹182 Cr |
| FY2025 | ₹9,371 Cr | ₹425 Cr |
Cash flows
FY2025: ₹1,604 Cr from operations, -₹1,233 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹1,563 Cr | -₹74 Cr |
| FY2022 | ₹2,479 Cr | -₹1,008 Cr |
| FY2023 | ₹2,250 Cr | -₹264 Cr |
| FY2024 | ₹1,720 Cr | -₹266 Cr |
| FY2025 | ₹1,604 Cr | -₹1,233 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹9,371 Cr+15.0%1Y
- Net profit
- ₹425 Cr+133.5%1Y
- Cash from operations
- ₹1,604 Cr
- Free cash flow
- -₹1,233 Cr
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹9,371 Cr | ₹121 Cr | — | ₹425 Cr | ₹1,604 Cr | -₹1,233 Cr | 9.9% | +15.0% | +133.5% |
Monthly returns
Month-by-month returns of GODIGIT across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹21,461 Cr |
| Equity capital | ₹923 Cr |
| Reserves | ₹3,391 Cr |
| Borrowings | ₹350 Cr |
| Other liabilities | ₹16,797 Cr |
| Assets | ₹21,461 Cr |
| Fixed assets | ₹215 Cr |
| Capital work in progress | ₹1 Cr |
| Investments | ₹19,409 Cr |
| Other assets | ₹1,835 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
GODIGIT trades at 61.6x earnings against a peer median of 26.9x (a 129% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Go Digit General Insurance LimitedGODIGITthis companyP/E ↑ premium | ₹31,319 Cr | 61.6x | 6.8x | 9.9% | 157.7x |
| UCO BankUCOBANK | ₹36,264 Cr | 14.4x | 1.1x | 7.9% | — |
| CRISIL Ltd.CRISIL | ₹35,199 Cr | 52.7x | 17.8x | — | — |
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITEDCHOLAHLDNG | ₹34,125 Cr | 496.0x | 25.2x | 4.7% | 411.1x |
| Central Bank of IndiaCENTRALBK | ₹34,124 Cr | 7.8x | 0.9x | 10.4% | — |
| Tata Investment Corporation Ltd.TATAINVEST | ₹33,836 Cr | 102.0x | 1.1x | 0.9% | 115.1x |
| TVS Holdings LimitedTVSHLTD | ₹28,739 Cr | 80.1x | 17.5x | 21.8% | 53.4x |
| Lic Housing Finance Ltd.LICHSGFIN | ₹28,667 Cr | 5.2x | 0.7x | 15.0% | — |
| IIFL FINANCE LIMITEDIIFL | ₹27,083 Cr | 68.1x | 3.9x | -6.3% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
GODIGIT since 1 January, against earlier years.
Historical volatility
GODIGIT's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -5.0% |
| FY2022 | -7.0% |
| FY2023 | 1.0% |
| FY2024 | -3.0% |
| FY2025 | 1.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹9,371 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹9,250 Cr |
| Operating profitOperating Profit | ₹121 Cr |
| Other income and charges | |
| Profit before tax | ₹425 Cr |
| Tax | |
| Net profitNet Profit | ₹425 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹21,461 Cr |
| Equity capitalEquity Capital | ₹923 Cr |
| Reserves | ₹3,391 Cr |
| Borrowings | ₹350 Cr |
| Other liabilitiesOther Liabilities | ₹16,797 Cr |
| AssetsTotal Assets | ₹21,461 Cr |
| Fixed assetsFixed Assets | ₹215 Cr |
| Capital work in progressCWIP | ₹1 Cr |
| Investments | ₹19,409 Cr |
| Other assetsOther Assets | ₹1,835 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹1,604 Cr |
| Investing cash flowCash from Investing Activity | -₹2,837 Cr |
| Financing cash flowCash from Financing Activity | ₹1,092 Cr |
| Change in cashNet Cash Flow | -₹141 Cr |
Learn while you research
Academy chapters picked for Go Digit General Insurance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 61.6, learn when high multiples are justified.6 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read