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Go Digit General Insurance Limited (GODIGIT.NS)

INR305.95 +4.70 (+1.56%)
IN NSE Financial Services Insurance - Property & Casualty
Address Atlantis, 95 560095
Bengaluru, KA, IN
CEO Jasleen Kohli
IPO 2024-05-23
ISIN INE03JT01014

Explore sections of this company profile

Description

Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensation; and other products, such as travel, property, home, shop, fire, and office insurance products. It also provides other products comprising child insurance, protection, income, endowment, investment, and ULIP plans, as well as whole life insurance, and money back policy. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in May 2017. Go Digit General Insurance Limited was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited is a subsidiary of Go Digit Infoworks Services Private Limited.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR305.95 +4.70 (+1.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
650.4K
Beta
0.11
Float Shares
186.67M
Free Float %
20.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.36% -0.84% -1.15% -9.01% -14.70% -11.35% -11.45% -0.16% -0.16% -0.16% -0.16%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
305.95
DCF (Unlevered) 662.67 +116.6%
DCF (Levered) 1,140.31 +272.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 70% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 5 0
Hold 2 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.33
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Property & Casualty: +14.1%
    +7.9% Q1'26: -7.8% (vs Q1'25)
  • EPS growth Insurance - Property & Casualty: +27.5%
    +27.3% Q1'26: +28.8% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +5.2% Q1'26: +32.2% (vs Q1'25)
  • EBIT margin Insurance - Property & Casualty: +16.3%
    +6.0% Q1'26: +6.4% (vs Q1'25)
  • ROIC Insurance - Property & Casualty: +7.9%
    +11.3% Q1'26: +12.4% (vs Q1'25)
  • Share dilution Insurance - Property & Casualty: +0.4%
    +0.7% Q1'26: +0.3% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    0.55× Q1'26: 0.51× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.13) × ERP
WACC = 99% × Ke + 1% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 662.67 Current price: 305.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2024
actual
Mar 2025
actual
Mar 2026
3 Rev. Ana.
9 EPS Ana.
Mar 2027
3 Rev. Ana.
9 EPS Ana.
Mar 2028
4 Rev. Ana.
9 EPS Ana.
Mar 2029
2 Rev. Ana.
4 EPS Ana.
Mar 2030
1 Rev. Ana.
2 EPS Ana.
Revenue
86.66B
est: 85.52B (+1.3%)
97.16B
est: 97.13B (+0.0%)
102.33B
94.50B – 107.44B
+5.4% YoY
118.21B
116.82B – 119.99B
+15.5% YoY
138.52B
124.50B – 144.86B
+17.2% YoY
164.10B
161.70B – 166.50B
+18.5% YoY
233.00B
219.15B – 240.32B
+42.0% YoY
EBITDA
2.39B
est: 16.42B (-85.5%)
5.15B
est: 18.65B (-72.4%)
19.65B
18.14B – 20.63B
+5.4% YoY
22.70B
22.43B – 23.04B
+15.5% YoY
26.60B
23.90B – 27.81B
+17.2% YoY
31.51B
31.05B – 31.97B
+18.5% YoY
44.74B
42.08B – 46.14B
+42.0% YoY
EBIT
2.21B
est: 16.64B (-86.7%)
4.94B
est: 18.90B (-73.8%)
19.91B
18.39B – 20.90B
+5.4% YoY
23.00B
22.73B – 23.35B
+15.5% YoY
26.95B
24.22B – 28.18B
+17.2% YoY
31.93B
31.46B – 32.39B
+18.5% YoY
45.33B
42.64B – 46.76B
+42.0% YoY
Net Income
1.82B
est: 2.25B (-19.1%)
4.25B
est: 4.24B (+0.1%)
5.44B
5.29B – 6.03B
+28.3% YoY
6.76B
6.29B – 7.86B
+24.2% YoY
8.79B
7.31B – 10.28B
+30.0% YoY
11.18B
10.65B – 12.03B
+27.3% YoY
— – —
-100.0% YoY
SGA
10.38B
est: 16.30B (-36.3%)
7.35B
est: 18.51B (-60.3%)
19.51B
18.01B – 20.48B
+5.4% YoY
22.53B
22.27B – 22.87B
+15.5% YoY
26.41B
23.73B – 27.61B
+17.2% YoY
31.28B
30.82B – 31.74B
+18.5% YoY
44.41B
41.77B – 45.81B
+42.0% YoY
EPS
2.08
est: 2.55 (-18.4%)
4.65
est: 4.67 (-0.4%)
6.07
5.71 – 6.51
+30.0% YoY
7.40
6.79 – 8.49
+21.9% YoY
9.70
7.90 – 11.10
+31.1% YoY
12.10
11.50 – 13.00
+24.7% YoY
— – —
-100.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-27 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-26 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-25 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-22 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-21 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-20 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-19 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-18 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-15 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-14 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-13 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-12 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-11 B+ 3/5 5/5 4/5 4/5 3/5 1/5 1/5
2026-05-08 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-05-07 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-05-06 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-05-05 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-05-04 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-04-30 B+ 3/5 5/5 4/5 5/5 3/5 1/5 1/5
2026-04-29 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
256.04M
OE per share TTM
0.28
Owner's Yield
0.09%
Maintenance CapEx ratio
2.17%
Maint CapEx / Avg PPE
2.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 47 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Global X - India Active ETF NDIA 1.82% 1.07M 0.75%
2 Goldman Sachs India Equity ETF GIND 0.57% 944.7K 0.75%
3 iShares MSCI India Small-Cap ETF SMIN 0.21% 1.53M 0.74%
4 State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L 0.06% 349.4K 0.55%
5 iShares MSCI EM Small Cap UCITS ETF IEMS.L 0.05% 186.1K 0.74%
6 iShares MSCI Emerging Markets Small-Cap ETF EEMS 0.05% 194.5K 0.72%
7 Fidelity Emerging Markets Equity Research Enhanced UCITS ETF ACC-USD FEMR.L 0.04% 1.79M 0.30%
8 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.02% 2.49M 0.06%
9 iShares Core MSCI Emerging Markets ETF IEMG 0.01% 10.22M 0.09%
10 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.01% 192.3K 0.26%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.39M
Shares Outstanding
924.29M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Amrit Jaidka Arora Chief Human Resources Officer female
Bijan Mohanty Head of Business Process male
Easwara Narayanan Muthuswamy Chief Operating Officer male
Gangadharayya Sangayya Jadagerimath Head of Technology male
Jasleen Kohli MD, Chief Executive Officer & Executive Director female
Parimal Ramesh Heda Chief Investment Officer male
Rajeev Kumar Singh Chief Technical & Risk Officer male
Rasika Joshi Kuber Chief Compliance Officer female
Ravi Prakash Khetan Chief Financial Officer male
Vivek Chaturvedi Chief Marketing Officer, Head of Direct Marketing, Sales, Health & Travel Business male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits