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Go Digit General Insurance Limited
(GODIGIT)
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Rating:64Neutral
Price Target:
₹258.00
▲(0.58% 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
Profitability turnaround
The shift from losses to sustained profitability demonstrates meaningful improvement in the operating model and earnings power. Continued profits provide internal funding for growth, strengthen resilience against claims volatility, and create a more durable foundation for shareholder returns over coming quarters.
Negative Factors
Revenue growth deceleration
The sharp slowdown in revenue growth suggests that expansion is losing momentum and that future performance may rely increasingly on improving margins rather than premium growth. Sustained weaker growth could limit scale benefits and make it harder to compound earnings at prior rates.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability turnaround
The shift from losses to sustained profitability demonstrates meaningful improvement in the operating model and earnings power. Continued profits provide internal funding for growth, strengthen resilience against claims volatility, and create a more durable foundation for shareholder returns over coming quarters.
Read all positive factors
Go Digit General Insurance Limited (GODIGIT) vs. iShares MSCI India ETF (INDA)
Market Cap
₹242.57B
Dividend YieldN/A
Average Volume (3M)411.17K
Price to Earnings (P/E)49.2
Beta (1Y)0.26
Revenue Growth8.56%
EPS Growth6.40%
CountryIN
Employees4,589
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)5.33
Shares Outstanding925,146,600
10 Day Avg. Volume421,538
30 Day Avg. Volume411,172
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
₹350.00Price Target Upside36.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)6.68
Revenue Forecast (FY)₹109.19B
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 | 36.37B | 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 Technical Analysis
Negative
256.50
Price Trends
260.83
Positive
275.22
Negative
298.90
Negative
Market Momentum
2.26
Positive
45.64
Neutral
15.01
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 256.5 is below the 20-day moving average (MA) of 269.83, below the 50-day MA of 260.83, and below the 200-day MA of 298.90, indicating a neutral trend. The MACD of 2.26 indicates Positive momentum. The RSI at 45.64 is Neutral, neither overbought nor oversold. The STOCH value of 15.01 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
UnderperformOutperform
Sector (55)
IN:GODIGIT
Go Digit General Insurance Limited
262.20
-102.95
-28.19%
IN:NIACL
New India Assurance Co. Ltd.
164.20
-25.04
-13.23%
Go Digit General Insurance Limited Corporate Events
Go Digit Independent Director Giridhar Aramane Resigns After Unitech Appointment
Sep 10, 2026
Go Digit General Insurance has announced the resignation of independent director Giridhar Aramane, effective at the close of business on 10 September 2026. The company stated that Aramane is stepping down due to increased responsibilities and time...
Go Digit Independent Director Giridhar Aramane Resigns After Unitech Appointment
Sep 10, 2026
Go Digit General Insurance Limited has disclosed the resignation of independent director Giridhar Aramane, effective from the close of business on September 10, 2026, in line with SEBI’s Listing Regulations. The move follows his appointment ...
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...
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.