Go Digit General Insurance Limited (GODIGIT) AI Stock Analysis

• Market Cap: ₹332.59B
• Dividend Yield: N/A
• Average Volume (3M): 16.59K
• Price to Earnings (P/E): 68.0
• Beta (1Y): 0.57
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 3,970
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 1.30
• Shares Outstanding: 923,348,140
• 10 Day Avg. Volume: 16,985
• 30 Day Avg. Volume: 16,588
• PEG Ratio: 0.50
• Price to Book (P/B): 5.69
• Price to Sales (P/S): 2.70
• P/FCF Ratio: 16.56
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ₹394.00 ▲(14.95% Upside)

Go Digit General Insurance's strong financial performance is the primary driver of its stock score, reflecting robust revenue growth and effective cash management. Technical indicators suggest a neutral market sentiment, while the high P/E ratio indicates potential overvaluation. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Revenue Growth

The significant revenue growth indicates strong market demand and effective business strategies, enhancing long-term competitiveness and market position.

Cash Generation

Consistent cash generation supports financial flexibility, enabling strategic investments and resilience against economic fluctuations.

Profitability Improvements

Improved profitability through cost management enhances financial health, allowing for reinvestment and competitive pricing strategies.

Negative Factors

Liability Growth

Increasing liabilities could strain resources and impact financial stability if not managed, posing risks to long-term sustainability.

Historical Volatility

Historical earnings volatility suggests potential operational risks, requiring careful management to ensure consistent performance.

Fluctuating Capital Expenditures

Variable capital expenditures can lead to unpredictable financial commitments, affecting strategic planning and investment capacity.

Go Digit General Insurance Limited Business Overview & Revenue Model

Company Description

Go Digit General Insurance Limited (GODIGIT) is an innovative insurance company based in India, focusing on providing a range of general insurance products that cater to the evolving needs of customers. The company operates in various sectors including motor, health, travel, and home insurance, leveraging technology to simplify the insurance purchasing process and enhance customer experience. With a commitment to transparency and efficiency, GODIGIT offers customizable insurance solutions through a digital-first approach, ensuring that customers can easily access and manage their policies online.

How the Company Makes Money

Go Digit General Insurance Limited generates revenue primarily through the underwriting of insurance policies. The company collects premiums from customers who purchase various types of insurance, including motor, health, travel, and home insurance. Additionally, GODIGIT earns money from investment income generated through the allocation of collected premiums into various financial instruments. The company may also have strategic partnerships with automotive manufacturers, healthcare providers, and travel agencies, which can help expand its customer base and create additional revenue streams. By utilizing a technology-driven approach, GODIGIT aims to reduce operational costs and improve profitability while delivering value to its customers.

Go Digit General Insurance Limited Financial Statement Overview

Summary

Go Digit General Insurance demonstrates robust financial health with strong revenue growth and profitability improvements over the years. The balance sheet reflects stability with prudent leverage, and cash flow statements confirm effective cash management. Vigilance on liability growth and past earnings volatility is advised, but overall, the company is on a positive trajectory.

Income Statement

Go Digit General Insurance shows strong income growth with a notable revenue increase from ₹38,709 crore in 2022 to ₹93,707 crore in 2025. The net profit margin improved significantly, reflecting effective cost management and operational efficiency. However, past challenges with negative EBIT in 2021 and 2022 indicate historical volatility.

Balance Sheet

The company maintains a solid equity base with a debt-to-equity ratio consistently low, indicating financial stability and prudent leverage management. The equity ratio indicates a balanced structure, though the rapid increase in liabilities requires monitoring for potential risks.

Cash Flow

Strong operating cash flow exceeding net income consistently highlights excellent cash generation capabilities. The free cash flow remains robust, supporting potential investments and dividends. However, fluctuating investing cash flows suggest variable capital expenditures.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	98.46B	97.16B	86.66B	59.98B	38.71B	22.74B
Gross Profit	75.38B	74.65B	67.26B	57.42B	36.82B	21.84B
EBITDA	4.84B	5.15B	2.39B	721.77M	-2.71B	-1.06B
Net Income	4.62B	4.25B	1.82B	355.47M	-2.96B	-1.23B
Balance Sheet
Total Assets	0.00	217.60B	176.82B	143.95B	109.89B	66.49B
Cash, Cash Equivalents and Short-Term Investments	0.00	2.39B	3.56B	15.70B	28.99B	13.57B
Total Debt	0.00	3.50B	3.50B	0.00	0.00	0.00
Total Liabilities	-46.12B	171.47B	142.39B	110.48B	80.70B	47.74B
Stockholders Equity	46.12B	46.12B	34.43B	33.47B	29.19B	18.75B
Cash Flow
Free Cash Flow	0.00	15.86B	17.04B	22.29B	24.29B	15.36B
Operating Cash Flow	0.00	16.04B	17.20B	22.50B	24.71B	15.63B
Investing Cash Flow	0.00	-28.37B	-19.86B	-25.14B	-34.87B	-16.37B
Financing Cash Flow	0.00	10.92B	3.42B	3.97B	10.03B	1.59B

Go Digit General Insurance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 342.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:GODIGIT, the sentiment is Negative. The current price of 342.75 is below the 20-day moving average (MA) of 350.31, below the 50-day MA of 353.48, and above the 200-day MA of 335.74, indicating a neutral trend. The MACD of -3.34 indicates Positive momentum. The RSI at 38.15 is Neutral, neither overbought nor oversold. The STOCH value of 40.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:GODIGIT.

Go Digit General Insurance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GODIGIT	72 Outperform	₹332.59B	67.99	―	―	―	―
ICICIGI	72 Outperform	₹1.02T	36.12	―	0.70%	14.43%	25.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
POONAWALLA	56 Neutral	₹384.16B	168.68	―	―	34.63%	-48.50%
LICHSGFIN	55 Neutral	₹315.65B	5.72	―	1.88%	4.79%	13.08%

Go Digit General Insurance Limited Corporate Events

Go Digit Faces GST Demand of ₹11.65 Crore

Go Digit General Insurance Limited has received a Show Cause Notice from the Directorate General of GST Intelligence, Mumbai Zonal Unit, demanding ₹11.65 crore along with applicable interest and penalties under the Central and Integrated Goods and Services Tax Acts. The company plans to respond with a detailed reply, substantiating its tax position, and states that there is no immediate impact on its financial operations or activities.

Go Digit Insurance Faces GST Demand Notice

Go Digit General Insurance Limited has received a Demand cum Show Cause Notice from the GST Authority, raising a total demand of ₹14,99,37,548 along with applicable interest and penalties. The company plans to respond with a detailed reply, asserting its tax position, and states that there is no immediate impact on its financial or operational activities.