Go Digit General

Is Go Digit General overvalued or undervalued?

As of June 2, 2024, Go Digit General is considered very expensive and overvalued with a PE ratio of 76.36 and low financial performance metrics, despite a recent short-term stock outperformance compared to the Sensex.

As of 2 June 2024, the valuation grade for Go Digit General has moved from does not qualify to very expensive, indicating a significant shift in its perceived value. The company is currently considered overvalued based on its high ratios, including a PE ratio of 76.36, an EV to EBIT of 325.24, and an EV to EBITDA of 325.24. These figures starkly contrast with its peers, such as Life Insurance with a PE of 12.54 and Bajaj Finance Ltd. with a PE of 35.01, highlighting the disparity in valuation within the industry.<BR><BR>In comparison to its peers, Go Digit General's valuation metrics suggest that it is not only overvalued but also lacks the financial performance to justify such high multiples, evidenced by a ROE of 9.27% and a ROCE of just 2.13%. Furthermore, while the company's stock has outperformed the Sensex in the short term, with a 1-month return of 20.34% compared to the Sensex's 3.82%, this does not mitigate the overall overvaluation concern.

Has Go Digit General declared dividend?

No Dividend History Available

Who are the peers of the Go Digit General?

Go Digit General's peers include SBI Life Insurance, HDFC Life Insurance, ICICI Prudential Life, ICICI Lombard, New India Assurance, Star Health Insurance, and Niva Bupa Health. Go Digit General shows excellent growth and average management risk, with a 1-year return of 11.61%, compared to HDFC Life's 37.78% and New India Assurance's -22.35%.

Peers: The peers of Go Digit General are Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, ICICI Lombard, General Insuranc, New India Assura, Star Health Insu, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard, while Average management risk is found at Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Go Digit General, Star Health Insu, and Niva Bupa Health, and Below Average management risk is noted at New India Assura. Growth is Excellent at Go Digit General and Niva Bupa Health, Average at SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, ICICI Lombard, General Insuranc, and Star Health Insu, and Below Average at Life Insurance and New India Assura. Capital Structure is Excellent across all peers.<BR><BR>Return Snapshot: HDFC Life Insur. has the highest 1-year return at 37.78%, while New India Assura has the lowest at -22.35%. Go Digit General's 1-year return is 11.61%, which is higher than New India Assura but lower than HDFC Life Insur. Additionally, New India Assura and Medi Assist Ser. have negative six-month returns.

What does Go Digit General do?

Go Digit General Insurance Ltd, established in 2016, is a large-cap insurance company in India, reporting net sales of ₹22,469 Cr and a net profit of ₹1,156 Cr for the quarter ending March 2025. It has a market cap of ₹32,435 Cr, a P/E ratio of 77.00, and a debt-equity ratio of 0.08.

Overview: <BR>Go Digit General Insurance Ltd operates in the insurance industry and is categorized as a large-cap company.<BR><BR>History: <BR>The company was incorporated in 2016 under the name 'Oben General Insurance Limited' in Pune, Maharashtra. It received its certificate of registration from the Insurance Regulatory and Development Authority of India (IRDAI) on September 20, 2017, and subsequently changed its name to 'Go Digit General Insurance Limited' on June 12, 2017. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 22,469 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 1,156 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 32,435 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 77.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.08 <BR>Return on Equity: 9.27% <BR>Price to Book: 7.12 <BR><BR>Contact Details: <BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are the top shareholders of the Go Digit General?

The top shareholders of Go Digit General include Go Digit Infoworks Services Private Limited with 73.11%, mutual funds at 6.75%, foreign institutional investors at 7.85%, and individual investors holding 2.23%. The largest public shareholder is Mirae Asset Large & Midcap Fund with a 4.74% stake.

The top shareholders of Go Digit General include the promoters, with Go Digit Infoworks Services Private Limited holding the largest stake at 73.11%. Additionally, mutual funds collectively hold 6.75% through 17 schemes, while foreign institutional investors (FIIs) own 7.85% across 94 entities. The highest public shareholder is Mirae Asset Large & Midcap Fund, which has a stake of 4.74%. Individual investors account for 2.23% of the holdings.

How big is Go Digit General?

As of 24th July, Go Digit General Insurance Ltd has a market capitalization of 33,187.00 Cr and reported net sales of 8,045.96 Cr and net profit of 424.94 Cr over the latest four quarters.

As of 24th July, <BR><BR>Market Cap: Go Digit General Insurance Ltd has a market capitalization of 33,187.00 Cr, classified as Large Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 8,045.96 Cr, while the sum of Net Profit for the same period is 424.94 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2024. Shareholder's Funds are valued at 3,443.15 Cr, and Total Assets amount to 16,958.45 Cr.

How has been the historical performance of Go Digit General?

Go Digit General has shown significant growth in net sales and profitability, with total operating income rising to 9,370.72 Cr in Mar'25 and a recovery in profit before tax to 424.94 Cr, compared to losses in previous years. Total assets increased to 21,460.94 Cr, reflecting a strong recovery and growth trajectory.

Answer:<BR>The historical performance of Go Digit General shows significant growth in net sales and profitability over the past few years.<BR><BR>Breakdown:<BR>Go Digit General has demonstrated a strong upward trend in net sales, increasing from 3,840.96 Cr in Mar'22 to 8,045.96 Cr in Mar'25. Other operating income also saw growth, reaching 1,324.76 Cr in Mar'25, contributing to a total operating income of 9,370.72 Cr for the same period. The company's total expenditure, excluding depreciation, rose to 9,270.61 Cr in Mar'25, but operating profit (PBDIT) improved significantly to 424.94 Cr, compared to a loss of 286.38 Cr in Mar'24. Profit before tax and profit after tax both stood at 424.94 Cr in Mar'25, marking a substantial recovery from previous years, including a loss of 295.86 Cr in Mar'22. The earnings per share (EPS) also increased to 4.6 in Mar'25 from a negative EPS of -3.44 in Mar'22. On the balance sheet, total assets grew to 21,460.94 Cr in Mar'25, up from 10,047.73 Cr in Mar'22, while total liabilities also increased to 21,460.94 Cr. Cash flow from operating activities was 1,604.00 Cr in Mar'25, although cash flow from investing activities was negative at -2,837.00 Cr, resulting in a net cash outflow of -141.00 Cr. Overall, Go Digit General's financial performance reflects a strong recovery and growth trajectory over the past few years.

Is Go Digit General technically bullish or bearish?

As of December 4, 2025, the market trend is neutral with weak bullish signals from daily moving averages, while weekly indicators show mild bearishness, indicating a lack of strong momentum in either direction.

As of 4 December 2025, the technical trend has changed from mildly bullish to sideways. The current technical stance is neutral, with weak bullish signals primarily from the daily moving averages. However, the weekly MACD and KST are mildly bearish, and the Bollinger Bands indicate a bearish trend on the weekly timeframe. The RSI shows no signals on both weekly and monthly timeframes, and the Dow Theory indicates no trend in either timeframe. Overall, the indicators suggest a lack of strong momentum in either direction, leading to a neutral stance.

When is the next results date for Go Digit General Insurance Ltd?

The next results date for Go Digit General Insurance Ltd is January 22, 2026.

The next results date for Go Digit General Insurance Ltd is scheduled for January 22, 2026.

Are Go Digit General Insurance Ltd latest results good or bad?

Go Digit General Insurance Ltd's latest results show a net profit increase to ₹149.42 crores and sales growth, but a deteriorating operating margin at -12.93% indicates struggles in core operations, raising concerns about the sustainability of profitability. Investors should be cautious given the reliance on non-operating income.

Go Digit General Insurance Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹149.42 crores for Q4 FY26, which reflects a significant year-on-year increase of 29.24% and a quarter-on-quarter growth of 6.66%. Additionally, net sales reached ₹2,301.02 crores, marking a 2.41% increase year-on-year and a 6.52% rise from the previous quarter.<BR><BR>However, the underlying operational performance raises concerns. The operating margin, excluding other income, deteriorated to -12.93%, worsening from -9.31% in the same quarter last year. This indicates that the core insurance business is struggling to generate profits, with the reported profitability heavily reliant on non-operating income, which surged to ₹469.95 crores in Q4 FY26.<BR><BR>Overall, while the headline figures for net profit and sales growth appear positive, the significant losses from core operations and the reliance on non-operating income suggest that the results are not as strong as they might seem. Investors may need to be cautious, as the sustainability of this profitability is in question.

Should I buy, sell or hold Go Digit General Insurance Ltd?

Why is Go Digit General Insurance Ltd falling/rising?

As of 05-May, Go Digit General Insurance Ltd's stock price is slightly rising at 304.50, but it has been underperforming with a 4.19% decline over the past week and 11.56% year-to-date. Despite strong long-term fundamentals, recent disappointing financial results and a bearish trend contribute to a challenging outlook for the stock.

As of 05-May, Go Digit General Insurance Ltd's stock price is experiencing a slight rise, currently at 304.50, with a change of 0.9 (0.3%) upwards. However, this increase comes in the context of a broader trend of decline, as the stock has been underperforming significantly in recent periods. Over the past week, the stock has fallen by 4.19%, and in the last month, it has decreased by 5.18%. Year-to-date, the stock is down 11.56%, although it has shown a positive return of 4.78% over the past year.<BR><BR>The stock has been on a consecutive downward trend for the last six days, with a total decline of 5.67% during this period. It is also trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish sentiment among investors. Despite this, there has been a notable increase in investor participation, with delivery volume rising by 165.17% against the 5-day average, suggesting some interest from investors.<BR><BR>Financially, the company has strong long-term fundamentals, evidenced by an impressive 86.47% compound annual growth rate (CAGR) in operating profits. However, recent results have been disappointing, with the lowest quarterly PBDIT recorded at Rs -297.43 crore and a negative operating profit to net sales ratio of -10.97%. The stock is also considered expensive, trading at a price-to-book value of 6, which is higher than its peers, and has a PEG ratio of 1.8, indicating that its valuation may not be justified by its earnings growth.<BR><BR>In summary, while there is a minor uptick in the stock price today, the overall trend reflects significant challenges, including recent poor financial performance and a prolonged period of decline, which are contributing to the stock's overall bearish outlook.

Which are the latest news on Go Digit General?