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General Insurance Corporation of India

General Insurance Corporation of India

NSE: GICRE
Insurance - ReinsuranceFinancial ServicesLARGE CAPMCap ₹57.47k Cr
₹327.55₹1.20 (+0.37%)

Live • NSE

Market cap₹57.47k Cr
Enterprise value₹27.64k Cr
P/E TTM6.47
Forward P/E5.75
P/B0.58
EPS TTM₹50.60
Forward EPS₹56.97
ROCE17.60%
ROE0.09%
ROA0.03%
Dividend yield0.04%
Face value₹5.00
52W high₹417.95
52W low₹308.00
Price chart(1Y)
1Y Return:-13.63% (₹51.70)
H: ₹394L: ₹308
1W+3.59%
1M-3.61%
3M-9.45%
6M-17.87%
1Y-14.61%
Today at a glance

Day range

₹320.25₹330.40

52 week range

₹308.00₹417.95
Volume733.2K1.24x 20D avg
Free float50.00%+24.10% volume

General Insurance Corporation of India closed at INR327.55 (+0.37%) on volume 1.24x its 20-day average, trading 21.63% below its 52-week high.

Technical analysis
RSI (14)47.8Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹8.53Moderate
SMA 20₹327.25BULLISH
SMA 50₹342.13BEARISH
SMA 100₹354.18BEARISH
SMA 200₹367.66BEARISH
CPR bottom₹322.88
Pivot₹324.03
CPR top₹325.19
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -14.7% QoQ

2026-09-04

DIVIDEND Announced

Dividend - Rs 13.25 Per Share

2025-09-04

DIVIDEND Announced

Dividend - Rs 10 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio–₹57.47k Cr—≤ 33%PENDING_DATA
Non-halal income ratio–₹53.86k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹177.24k Cr₹205.73k Cr86.15%≥ 20%PASS
Receivables ratio–₹205.73k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E6.4716.50
Forward P/E5.75—
P/B0.581.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield15.406.10
Growth & profitability
RevenuePAT
FY25PAT margin 15.00%
FY26PAT margin 17.90%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+9.40%
Revenue CAGR 5Y+1.60%
PAT CAGR 3Y+13.00%
PAT CAGR 5Y+5.40%
Operating margin15.10%
Net margin16.82%
Financial health & cash flow
Net debt–Moderate
Interest coverage—xEBIT / interest
CFO / PAT-0.08x3Y average
Net debt / EBITDA—Leverage
Operating cash flow–
Capital expenditure–
Free cash flow₹452.7 Cr
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall68/100
Valuation75/100
Profitability80/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Strong Capital Efficiency: ROCE stands at 17.6%

Attractive Valuation: P/E of 6.5x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Insurance - Reinsurance.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

90%60%30%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
20.16%Institutional holding
2.45%Public holding
5Periods available
0.00%Promoter pledged
2.24LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
04 Sept 2026Dividend₹13.25 / share—04 Sept 2026
05 Sept 2025Dividend₹10.00 / share—04 Sept 2025
11 Sept 2024Dividend₹10.00 / share—11 Sept 2024
08 Sept 2023Dividend₹7.20 / share—08 Sept 2023
22 Jul 2019Dividend₹6.75 / share—19 Jul 2019
14 Jul 2018Dividend₹13.50 / share—12 Jul 2018
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.15%+0.68% latest vs average
Highest delivery68.64%on 18 Sept
Average volume (20D)590.7KTrading-session average
Conviction trendStrengthening+0.68% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About General Insurance Corporation of India
General Insurance Corporation of India

General Insurance Corporation of India is engaged in the business of Reinsurance.(Source : 201903 Annual Report Page No:87)

IndiaFinancial Services

Questions investors ask
Is General Insurance Corporation of India Shariah compliant?

General Insurance Corporation of India is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Interest-bearing debt or Market Cap data unavailable for ratio screening.

What is General Insurance Corporation of India's current valuation relative to peers?

General Insurance Corporation of India trades at a P/E of 6.5x compared to the sector median of 16.5x, and a Price-to-Book of 0.6x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of zero debt. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 1.6% while net profit growth averaged 5.4%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.