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Swing Capital

Go Digit General Insurance Ltd

NSE: GODIGIT BSE: 544179Finance

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

₹308
52W: ₹295 — ₹381
PE 52.4 · Book ₹50.4 · +511% vs book
Market Cap₹28,512 Cr
Stock P/E52.4Price to Earnings
ROCE13.1%Return on Capital
ROE12.1%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company is almost debt free.
  • +Company has delivered good profit growth of 45.1% CAGR over last 5 years

Weaknesses

  • −Stock is trading at 6.03 times its book value
  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Tax rate seems low
  • −Company has a low return on equity of 10.4% over last 3 years.
  • −Earnings include an other income of Rs.473 Cr.

Shareholding Pattern

Promoters73.01%
FIIs8.01%
DIIs14.62%
Public4.35%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters73.58%73.28%▼0.373.18%▼0.173.12%▼0.173.1%▼0.073.09%▼0.073.02%▼0.173.01%▼0.0
FIIs5.1%5.51%▲0.46.47%▲1.07.86%▲1.48.28%▲0.48.48%▲0.28.26%▼0.28.01%▼0.3
DIIs16.22%15.57%▼0.615.18%▼0.415.26%▲0.114.38%▼0.914.12%▼0.314.34%▲0.214.62%▲0.3
Public5.1%5.62%▲0.55.18%▼0.43.76%▼1.44.24%▲0.54.31%▲0.14.38%▲0.14.35%▼0.0

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales2,2862,2562,1052,2342,4362,5942,2362,4882,5702,711
Expenses2,2432,6722,0042,1452,3182,8042,0772,3532,4083,008
Operating Profit43-41510189118-209159135162-297
OPM %2%-18%5%4%5%-8%7%5%6%-11%
Net Profit435310189119116138117140149
EPS ₹0.490.61.10.971.291.251.51.261.521.62

AI Insights

Revenue Trend

Mar 2026 revenue at ₹10,005Cr, up 6.8% YoY. OPM at 2%.

Debt Position

Borrowings at ₹350Cr. Debt-to-equity ratio: 0.09x. Healthy balance sheet.

Institutional Flow

DIIs: 14.62% (-1.60pp change). FIIs: 8.01% (+2.91pp change). Promoters hold 73.01%.

Margin & Efficiency

ROCE improving from 0% (Mar 2021) to 13% (Mar 2026). Working capital days: -658.

Valuation

PE 52.4x with 13.1% ROCE. Price is 511% above book value of ₹50.4. Dividend yield: 0%.

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