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Swing Capital

General Insurance Corporation of India

NSE: GICRE BSE: 540755Finance

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

₹390
52W: ₹350 — ₹447
PE 8.09 · Book ₹372 · +5% vs book
Market Cap₹68,448 Cr
Stock P/E8.09Price to Earnings
ROCE16%Return on Capital
ROE12.2%Return on Equity
Div. Yield2.63%Face Value ₹5

Strengths

  • +Company is almost debt free.
  • +Stock is trading at 1.03 times its book value
  • +Company has delivered good profit growth of 83.3% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 24.4%

Weaknesses

  • −The company has delivered a poor sales growth of -0.49% over past five years.
  • −Company has a low return on equity of 14.0% over last 3 years.
  • −Contingent liabilities of Rs.26,577 Cr.

Shareholding Pattern

Promoters82.4%
FIIs2.05%
DIIs13.55%
Public2%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters85.78%82.4%▼3.482.4%82.4%82.4%82.4%82.4%82.4%
FIIs1.05%1.34%▲0.31.8%▲0.51.93%▲0.12.12%▲0.22.12%2.12%2.05%▼0.1
DIIs10.91%13.72%▲2.813.7%▼0.013.68%▼0.013.29%▼0.413.1%▼0.213.32%▲0.213.55%▲0.2
Public2.25%2.56%▲0.32.1%▼0.52%▼0.12.19%▲0.22.4%▲0.22.16%▼0.22%▼0.2

Financial Statements

MetricSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales13,22411,12010,19912,82312,13011,16712,58314,40212,71612,505
Expenses11,5829,3967,16111,4309,7659,2649,80812,2109,81210,392
Operating Profit1,6431,7243,0381,3932,3651,9032,7762,1922,9042,113
OPM %12%16%30%11%20%17%22%15%23%17%
Net Profit1,6051,5182,6421,0361,8611,6212,1831,7522,8671,659
EPS ₹9.158.6515.065.9110.619.2412.449.9916.349.46

AI Insights

Revenue Trend

TTM revenue at ₹52,206Cr, up 6.8% YoY. OPM at 19%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 13.55% (+2.53pp change). FIIs: 2.05% (+1.28pp change). Promoters hold 82.4%.

Margin & Efficiency

ROCE improving from 4% (Mar 2014) to 16% (Mar 2025). Working capital days: -589.

Valuation

PE 8.09x with 16% ROCE. Price is 5% above book value of ₹372. Dividend yield: 2.63%.

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