Want to see IN:GODIGIT full AI Analyst Report?
Top Page
Go Digit General Insurance Limited
(GODIGIT)
Select Model
Select Model
Rating:64Neutral
Price Target:
₹300.00
▲(16.96% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily supported by improving profitability, strong and recurring cash generation, and a conservatively levered balance sheet. Offsetting this, technicals are mixed-to-weak with the stock below key longer-term moving averages and negative MACD, and valuation is demanding with a high P/E and no dividend yield data.
Positive Factors
Cash generation
Consistent conversion of underwriting and investment results into operating and free cash flow, with FCF near net income and a step-up in 2026 (~20.08B), provides durable internal funding for claims reserves, reinsurance buy-back, and organic growth without reliance on external debt.
Negative Factors
Revenue deceleration
A notable slowdown in top-line growth reduces the scope for operating-leverage gains and constrains scaling of fixed costs and distribution investments; prolonged deceleration could shift pressure onto underwriting and investment returns to sustain earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Consistent conversion of underwriting and investment results into operating and free cash flow, with FCF near net income and a step-up in 2026 (~20.08B), provides durable internal funding for claims reserves, reinsurance buy-back, and organic growth without reliance on external debt.
Read all positive factors
Go Digit General Insurance Limited (GODIGIT) vs. iShares MSCI India ETF (INDA)
Market Cap
₹240.11B
Dividend YieldN/A
Average Volume (3M)223.19K
Price to Earnings (P/E)49.0
Beta (1Y)0.20
Revenue Growth8.56%
EPS Growth6.40%
CountryIN
Employees4,589
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)5.33
Shares Outstanding924,737,730
10 Day Avg. Volume63,025
30 Day Avg. Volume223,186
Financial Highlights & Ratios
PEG Ratio2.04
Price to Book (P/B)6.31
Price to Sales (P/S)2.82
P/FCF Ratio14.72
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹380.00Price Target Upside48.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)6.82
Revenue Forecast (FY)₹106.63B
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 covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD hea...
How the Company Makes Money
Go Digit makes money primarily through its general insurance operations. Key revenue and earnings drivers include: (1) Gross written premium (GWP) / policy premiums: The company collects premiums from customers in exchange for underwriting risk ac...
Go Digit General Insurance Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
85
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 101.98B | 104.78B | 97.16B | 86.66B | 59.98B | 38.71B |
| Gross Profit | 60.32B | 43.45B | 74.65B | 67.26B | 57.42B | 36.82B |
| EBITDA | 5.86B | 6.32B | 5.15B | 2.39B | 721.77M | -2.71B |
| Net Income | 4.92B | 5.44B | 4.25B | 1.82B | 355.47M | -2.96B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 249.52B | 217.60B | 176.82B | 143.95B | 109.89B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.19B | 2.39B | 3.56B | 15.70B | 28.99B |
| Total Debt | 0.00 | 3.50B | 3.50B | 3.50B | 0.00 | 0.00 |
| Total Liabilities | -46.86B | 202.66B | 171.47B | 142.39B | 110.48B | 80.70B |
| Stockholders Equity | 46.86B | 46.86B | 46.12B | 34.43B | 33.47B | 29.19B |
Cash Flow | ||||||
| Free Cash Flow | 8.73B | 20.08B | 15.86B | 17.04B | 22.29B | 24.29B |
| Operating Cash Flow | 8.82B | 20.26B | 16.04B | 17.20B | 22.50B | 24.71B |
| Investing Cash Flow | -9.68B | -20.19B | -28.37B | -19.86B | -25.14B | -34.87B |
| Financing Cash Flow | -126.30M | -281.00M | 10.92B | 3.42B | 3.97B | 10.03B |
Go Digit General Insurance Limited Peers Comparison
UnderperformOutperform
Sector (55)
IN:GODIGIT
Go Digit General Insurance Limited
259.65
-91.40
-26.04%
IN:NIACL
New India Assurance Co. Ltd.
229.80
38.48
20.11%
Go Digit General Insurance Limited Corporate Events
CCI Clears Go Digit’s Proposed Amalgamation With Group Entity
Jul 29, 2026
Go Digit General Insurance Limited has received approval from the Competition Commission of India for its proposed amalgamation with Go Digit Infoworks Services Private Limited. This combination, structured under Sections 230 to 232 of the Compani...
Go Digit Sets August 6 Date for Tenth AGM, Emphasizes Digital Access for Investors
Jul 11, 2026
Go Digit General Insurance Limited has scheduled its tenth Annual General Meeting for August 6, 2026, at 3:00 p.m. IST, to be conducted via video conferencing and other audio-visual means, with proceedings deemed to be held at its registered offic...
Digit Insurance Settles 1 Million Claims and Showcases Faster Service in Transparency Report 14.0
May 6, 2026
Digit Insurance has released its 14th Transparency Report, detailing operational performance for the half year and full year ended 31 March 2026, including service and claims turnaround times across its major product lines. The disclosure undersco...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.