Go Digit General Insurance Limited (GODIGIT) AI Stock Analysis

• Market Cap: ₹315.08B
• Dividend Yield: N/A
• Average Volume (3M): 22.39K
• Price to Earnings (P/E): 68.8
• Beta (1Y): 0.59
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 3,970
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 1.54
• Shares Outstanding: 923,311,000
• 10 Day Avg. Volume: 23,018
• 30 Day Avg. Volume: 22,389
• PEG Ratio: 0.50
• Price to Book (P/B): 5.69
• Price to Sales (P/S): 2.70
• P/FCF Ratio: 16.56
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹383.00
• Price Target Upside: 11.82% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 65 Neutral
• Price Target: ₹383.00 ▲(11.82% Upside)

Go Digit General Insurance's strong financial performance is the primary driver of its stock score, reflecting robust revenue growth and effective cash management. However, technical indicators suggest bearish momentum, and a high P/E ratio indicates potential overvaluation, which negatively impacts the overall score.

Go Digit General Insurance Limited Business Overview & Revenue Model

Company Description

Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions, including cars, two wheeler/bike, commercial vehicle, auto rickshaws, taxi/cabs, and trucks insurance; and health insurance solutions, such as health, super top up health, OPD, and corporate health insurance products, as well as arogya sanjeevani and port health policy. It also provides directors and officers liability, erection and contractors all risk, workmen compensation, marine cargo, and CPM insurance products; and other products, such as international travel, property, home, shop, fire, and office insurance. 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.

How the Company Makes Money

Go Digit General Insurance Limited generates revenue primarily through the underwriting of insurance policies across its various product lines. Premiums collected from policyholders form the core revenue stream. The company employs a digital platform to streamline policy sales, claims processing, and customer interactions, thereby reducing operational costs and enhancing efficiency. Earnings are also driven by investment income from the premiums collected, which are invested in various financial instruments. Significant partnerships with digital platforms and distribution networks enhance market reach and customer acquisition, contributing to the company's revenue growth.

Go Digit General Insurance Limited Financial Statement Overview

Summary

Go Digit General Insurance demonstrates robust financial health with strong revenue growth and profitability improvements over the years. The balance sheet reflects stability with prudent leverage, and cash flow statements confirm effective cash management. Vigilance on liability growth and past earnings volatility is advised, but overall, the company is on a positive trajectory.

Income Statement

Go Digit General Insurance shows strong income growth with a notable revenue increase from ₹38,709 crore in 2022 to ₹93,707 crore in 2025. The net profit margin improved significantly, reflecting effective cost management and operational efficiency. However, past challenges with negative EBIT in 2021 and 2022 indicate historical volatility.

Balance Sheet

The company maintains a solid equity base with a debt-to-equity ratio consistently low, indicating financial stability and prudent leverage management. The equity ratio indicates a balanced structure, though the rapid increase in liabilities requires monitoring for potential risks.

Cash Flow

Strong operating cash flow exceeding net income consistently highlights excellent cash generation capabilities. The free cash flow remains robust, supporting potential investments and dividends. However, fluctuating investing cash flows suggest variable capital expenditures.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	95.01B	97.16B	81.47B	59.98B	38.71B	22.52B
Gross Profit	95.01B	96.96B	81.47B	59.98B	38.71B	22.52B
EBITDA	4.84B	5.15B	2.39B	721.77M	-2.71B	-1.06B
Net Income	4.62B	4.25B	1.82B	355.47M	-2.96B	-1.23B
Balance Sheet
Total Assets	0.00	217.60B	176.82B	143.95B	109.89B	66.49B
Cash, Cash Equivalents and Short-Term Investments	0.00	2.39B	3.56B	15.70B	28.99B	13.57B
Total Debt	0.00	3.50B	3.50B	0.00	0.00	0.00
Total Liabilities	-46.12B	171.47B	142.39B	110.48B	80.70B	47.74B
Stockholders Equity	46.12B	46.12B	34.43B	33.47B	29.19B	18.75B
Cash Flow
Free Cash Flow	0.00	15.86B	17.04B	22.29B	24.29B	15.36B
Operating Cash Flow	0.00	16.04B	17.20B	22.50B	24.71B	15.63B
Investing Cash Flow	0.00	-28.37B	-19.86B	-25.14B	-34.87B	-16.37B
Financing Cash Flow	0.00	10.92B	3.42B	3.97B	10.03B	1.59B

Go Digit General Insurance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 342.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:GODIGIT, the sentiment is Negative. The current price of 342.5 is below the 20-day moving average (MA) of 352.43, below the 50-day MA of 357.20, and above the 200-day MA of 324.73, indicating a neutral trend. The MACD of -3.12 indicates Positive momentum. The RSI at 39.32 is Neutral, neither overbought nor oversold. The STOCH value of 12.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:GODIGIT.

Go Digit General Insurance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ICICIGI	68 Neutral	₹947.45B	34.97	16.74%	0.66%	15.68%	26.12%
GODIGIT	65 Neutral	₹315.08B	68.79	―	―	―	―
LICHSGFIN	60 Neutral	₹317.50B	5.65	14.97%	1.73%	4.57%	15.87%
POONAWALLA	56 Neutral	₹391.28B	-118.24	-1.20%	―	29.15%	-118.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%