General Insurance Corporation of India (GICRE) AI Stock Analysis

• Market Cap: ₹642.64B
• Dividend Yield: 2.69%
• Average Volume (3M): 20.24K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 1.13
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 411
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 16.38
• Shares Outstanding: 1,754,400,000
• 10 Day Avg. Volume: 20,486
• 30 Day Avg. Volume: 20,237
• PEG Ratio: 0.88
• Price to Book (P/B): 1.49
• Price to Sales (P/S): 1.46
• P/FCF Ratio: 37.27
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: ₹418.00 ▲(9.00% Upside)

Score is driven primarily by strong financial resilience (debt-free balance sheet and solid FY2025 profitability) and supportive valuation (low P/E with a dividend). Offsetting factors are weaker consistency in operating cash flow and a mixed technical picture with negative MACD and price hovering around key moving averages.

General Insurance Corporation of India Business Overview & Revenue Model

Company Description

General Insurance Corporation of India provides reinsurance services in India and internationally. It offers property, energy, marine, engineering, liability, spares, health, agriculture/weather, motor and workmen compensation, aviation, and miscellaneous products, as well as marine hull, cargo, and offshore energy reinsurance products. The company also provides reinsurance solutions for the Afro-Asian region and reinsurance programs in South East Asia, the Middle East, and Africa. General Insurance Corporation of India was incorporated in 1972 and is headquartered in Mumbai, India.

How the Company Makes Money

General Insurance Corporation of India Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	524.58B	507.02B	465.50B	483.42B	514.87B	489.07B
Gross Profit	445.46B	424.68B	395.67B	420.41B	425.59B	404.00B
EBITDA	101.47B	91.90B	80.21B	81.22B	38.31B	31.47B
Net Income	85.62B	74.32B	66.86B	69.07B	23.86B	19.92B
Balance Sheet
Total Assets	2.03T	1.95T	1.84T	1.63T	1.52T	1.40T
Cash, Cash Equivalents and Short-Term Investments	254.40B	252.80B	248.55B	245.75B	219.51B	199.98B
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.37T	1.46T	1.29T	1.18T	1.16T	1.08T
Stockholders Equity	961.34B	486.59B	419.35B	451.85B	360.08B	324.63B
Cash Flow
Free Cash Flow	0.00	19.51B	111.39B	115.88B	90.35B	132.78B
Operating Cash Flow	0.00	19.76B	111.44B	117.22B	90.51B	132.84B
Investing Cash Flow	0.00	-9.26B	-88.72B	-99.99B	-66.79B	-104.53B
Financing Cash Flow	0.00	-17.54B	-12.63B	-3.95B	-1.00K	0.00

General Insurance Corporation of India Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GODIGIT	72 Outperform	₹309.54B	63.22	―	―	―	―
ICICIGI	72 Outperform	₹943.25B	33.54	―	0.69%	14.43%	25.13%
GICRE	70 Outperform	₹642.64B	6.71	―	2.69%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NIACL	52 Neutral	₹245.88B	21.16	―	1.18%	―	―

General Insurance Corporation of India Corporate Events

GIC Re Gets New Chief Vigilance Officer on Additional Charge Basis

General Insurance Corporation of India has announced a change in senior management, with the Ministry of Finance assigning additional charge of Chief Vigilance Officer to Uday Laxmandas Devi, currently CVO of Oriental Insurance Corporation Limited, effective 29 December 2025. Devi, a seasoned professional with over 32 years’ experience in banking, risk management, corporate credit and treasury, and qualifications including B.Com (Hons), CMA and CAIIB, will hold this role at GIC Re for up to three months or until further orders, reinforcing the corporation’s vigilance and compliance oversight in line with SEBI disclosure requirements.

GIC Re Announces Senior Management Change as Chief Vigilance Officer’s Deputation Ends

General Insurance Corporation of India has announced a change in its senior management, with Chief Vigilance Officer S. Alagarswamy ceasing to be part of the corporation’s senior management upon completion of his deputation period, effective after the close of business on 27 December 2025. The disclosure, made in line with SEBI’s Listing Regulations and the latest SEBI Master Circular, signals a governance-related transition in GIC Re’s oversight structure, which may prompt the appointment or designation of a new vigilance leadership role to maintain compliance and internal control standards expected of a listed public sector financial institution.

General Insurance Corporation of India Engages in Investor Relations Roadshows

General Insurance Corporation of India announced its participation in a series of non-deal roadshows and investor meetings scheduled for early December 2025. These meetings, involving senior management and investors, aim to enhance investor relations and provide insights into the corporation’s operations without disclosing any unpublished price-sensitive information.

General Insurance Corporation of India Reports Regulatory Compliance for Q2 2025

General Insurance Corporation of India has submitted a certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, for the quarter ending September 30, 2025. The certificate, issued by KFin Technologies Limited, confirms that no requests for dematerialization or rematerialization of shares were received during this period, indicating stable shareholding patterns and compliance with regulatory requirements.