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GOLD 24K (10g)₹75,420+0.38%
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GO DIGIT GENERAL INS LTD

GO DIGIT GENERAL INS LTD

NSE: GODIGIT
Insurance - Property & CasualtyFinancial ServicesLARGE CAPMCap ₹26.48k Cr
₹286.45₹3.10 (+1.09%)

Market Closed • NSE

Market cap₹26.48k Cr
Enterprise value₹26.25k Cr
P/E TTM53.95
Forward P/E33.87
P/B5.65
EPS TTM₹5.31
Forward EPS₹8.46
D/E7.47
Dividend yield0.00%
52W high₹374.00
52W low₹231.65
Price chart(1Y)
1Y Return:-4.85% (₹14.60)
H: ₹332.95L: ₹231.65
1W+2.52%
1M+12.11%
3M+0.49%
6M-10.47%
1Y-20.22%
Today at a glance

Day range

₹281.45₹288.00

52 week range

₹231.65₹374.00
Volume515.6K0.36x 20D avg
Free float50.00%-63.60% volume

GO DIGIT GENERAL INS LTD closed at INR286.45 (+1.09%) on volume 0.36x its 20-day average, trading 23.41% below its 52-week high.

Technical analysis
RSI (14)69.0Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹8.67High
SMA 20₹261.59BULLISH
SMA 50₹259.67BULLISH
SMA 100₹277.10BULLISH
SMA 200₹300.48BEARISH
CPR bottom₹284.98
Pivot₹284.43
CPR top₹283.89
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -42.2% QoQ

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL4/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹350.0 Cr₹26.48k Cr1.32%≤ 33%PASS
Non-halal income ratio–₹10.01k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹24.73k Cr₹24.95k Cr99.12%≥ 20%PASS
Receivables ratio–₹24.95k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E53.9516.50
Forward P/E33.87—
P/B5.651.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield1.906.10
Growth & profitability
RevenuePAT
FY24PAT margin 2.10%
FY25PAT margin 4.50%
FY26PAT margin 5.30%

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

Revenue CAGR 3Y+1.80%
Revenue CAGR 5Y+2.90%
PAT CAGR 3Y+8.60%
PAT CAGR 5Y+24.50%
Operating margin4.74%
Net margin4.83%
Financial health & cash flow
Net debt₹130.8 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT—x3Y average
Net debt / EBITDA—Leverage
Operating cash flow–
Capital expenditure–
Free cash flow₹2.01k 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
Overall55/100
Valuation35/100
Profitability50/100
Financial health80/100

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

Low Debt Profile: Debt-to-Equity is comfortable at 0.07x

Risks

Stretched Valuation: Trading at a high P/E multiple of 53.9x

Bull case

Market Leadership: Established operational scale in Insurance - Property & Casualty.

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 2024

Ownership distribution

Dec 2024Latest holding

Category trends

Hover over a period for exact holdings

80%53%27%0%Sept 2024Dec 2024
23.24%Institutional holding
3.77%Public holding
2Periods available
0.00%Promoter pledged
60.71KShareholders
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.36%+5.13% latest vs average
Highest delivery84.05%on 14 Oct
Average volume (20D)1.42MTrading-session average
Conviction trendStrengthening+5.13% 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 GO DIGIT GENERAL INS LTD
GO DIGIT GENERAL INS LTD

Incorporated in 2016, Go Digit General Insurance Ltd provides motor, health, and other insurances[1]

IndiaFinancial Services

Questions investors ask
Is GO DIGIT GENERAL INS LTD Shariah compliant?

GO DIGIT GENERAL INS LTD is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (1.32%) complies with AAOIFI threshold (≤ 33%).

What is GO DIGIT GENERAL INS LTD's current valuation relative to peers?

GO DIGIT GENERAL INS LTD trades at a P/E of 53.9x compared to the sector median of 16.5x, and a Price-to-Book of 5.7x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 0.07x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 2.9% while net profit growth averaged 24.5%.

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.