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Financial Services | Small Cap
Health Score : 6.92Go Digit General Insurance Ltd. presents a picture of a company in a phase of aggressive expansion. Its financial foundation is exceptionally strong, marked by a near absence of debt, which significantly lowers its financial risk and provides great stability. This is complemented by impressive growth in revenue, net income, and shareholder earnings, indicating strong market traction and a rapidly growing business. However, this high-speed growth comes with challenges. The company's ability to cover its immediate financial obligations is strained, reflecting a tight cash position. A key concern is that while sales are booming, the profitability of its core operations has declined, suggesting the costs of expansion are high. The future outlook depends on its ability to translate its impressive market growth into more efficient and profitable operations while managing its short-term financial health.
Health Score : 6.92Go Digit General Insurance Ltd. presents a picture of a company in a phase of aggressive expansion. Its financial foundation is exceptionally strong, marked by a near absence of debt, which significantly lowers its financial risk and provides great stability. This is complemented by impressive growth in revenue, net income, and shareholder earnings, indicating strong market traction and a rapidly growing business. However, this high-speed growth comes with challenges. The company's ability to cover its immediate financial obligations is strained, reflecting a tight cash position. A key concern is that while sales are booming, the profitability of its core operations has declined, suggesting the costs of expansion are high. The future outlook depends on its ability to translate its impressive market growth into more efficient and profitable operations while managing its short-term financial health.
Overall Valuation Score
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0.00
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Price Movement Indicator
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P/E RATIO (TTM)
44.27
Industry Median
36.22
Small Cap Median
44.27
P/E RATIO
44.27
P/B RATIO
5.17
Industry Median
3.73
Small Cap Median
4.01
P/S RATIO
2.44
Industry Median
2.07
Small Cap Median
2.27
Others
PEG RATIO
0.00
EV/EBITDA RATIO
38.80
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹260.75 as on Sep 1, 2026.
Growth Score : 8.80The company is in a phase of hyper-growth, showing excellent expansion in revenues, assets, and net income. This indicates strong market demand and successful business expansion strategies. However, a significant concern arises from the negative growth in operating profit, which suggests that the costs associated with this rapid expansion are currently outpacing the gains from increased sales. While the ultimate profit growth is strong, this disconnect points to potential challenges in operational efficiency and the sustainability of its current growth model.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 70.56 | 53.22 | 38.44 | 15.02 | 6.77 |
| Operating Profit Growth Rate | -148.25 | 117.67 | -638 | 144.98 | 31.4 |
| Earnings Per Share (EPS) Growth | -130.87 | 111.92 | 407.32 | 121.15 | 28.04 |
| Asset Growth Rate | 67.36 | 34.26 | 25.71 | 26.55 | 16.27 |
| Net Income Growth Rate | -140.65 | 112.16 | 405.56 | 133.52 | 28 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Go Digit General Insurance Ltd | 6.92 | 44.27 | Neutral | 159.00 | 5.89 | 544.00 |
| 2 | Niva Bupa Health Insurance Company Ltd | 5.10 | 115.92 | Overvalued | 125.00 | 0.71 | 131.00 |
| 3 | Star Health & Allied Insurance Company Ltd | 4.60 | 59.18 | Neutral | 745.00 | 9.48 | 557.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤6th May 26
Q4 & FY26 Results Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤28th Apr 26
Audited Results for the Quarter and Year Ended March 31, 2026
BULLISH SENTIMENT
Quarterly Report⬤22nd Jan 26
Quarterly Financial Results Q3 FY 2025-26
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Go Digit General Insurance Ltd is a prominent digital-first general insurance provider in India. It offers a wide array of non-life insurance products, including motor, health, travel, and property insurance. Leveraging technology for simplified policy purchases, claims processing, and customer service, the company aims to make insurance accessible, transparent, and user-friendly for both individual and corporate clients.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Go Digit General Insurance Ltd's P/E ratio (TTM) is 44.27, compared to the industry median of 36.22 and large cap median of 44.27.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Go Digit General Insurance Ltd's P/B ratio is 5.17, compared to the industry median of 3.73 and large cap median of 4.01.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Go Digit General Insurance Ltd's P/S ratio is 2.44, compared to the industry median of 2.07 and large cap median of 2.27.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Go Digit General Insurance Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Go Digit General Insurance Ltd's EV/EBITDA ratio is 38.80.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Go Digit General Insurance Ltd's ROE is 11.67%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Go Digit General Insurance Ltd's ROA is 0.64%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Go Digit General Insurance Ltd's ROCE is 13%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Go Digit General Insurance Ltd's operating margin is 1.59%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Go Digit General Insurance Ltd's net margin is 5.44%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Go Digit General Insurance Ltd's current ratio is 0.10.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Go Digit General Insurance Ltd's debt-to-equity ratio is 0.08.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Go Digit General Insurance Ltd's interest coverage ratio is N/A.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Go Digit General Insurance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Go Digit General Insurance Ltd's EPS is 28.04.
(Source line: "Ratios as of 21 Oct 2026, based on last traded price of ₹260.75. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2017
Headquarters: Bengaluru, Karnataka
Core Offerings: Motor Insurance, Health Insurance, Travel Insurance, Property Insurance, Liability Insurance
Stock Listing: NSE (GODIGIT), BSE (544179)
Promoter: Kamesh Goyal / Go Digit Infoworks Services Private Limited
Go Digit General Insurance Ltd was established in 2017 by Kamesh Goyal, with strategic investment from Canadian billionaire Prem Watsa's Fairfax Group. The company secured its license from the IRDAI in the same year and quickly positioned itself as a technology-driven insurer, focusing on digital solutions for product delivery and claims. In May 2024, Go Digit successfully completed its Initial Public Offering (IPO) and listed its shares on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE).
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Motor Insurance | Approx. 60-65% (Gross Written Premium) | N/A (not reported by segment for insurance firms) |
| Health Insurance | Approx. 20-25% (Gross Written Premium) | N/A (not reported by segment for insurance firms) |
| Property Insurance (Fire, Engineering, Marine) | Approx. 5-10% (Gross Written Premium) | N/A (not reported by segment for insurance firms) |
| Other Insurance (Travel, Liability, etc.) | Approx. 5% (Gross Written Premium) | N/A (not reported by segment for insurance firms) |
Motor Insurance: Offers comprehensive, own damage, and third-party liability coverage for cars, two-wheelers, and commercial vehicles, emphasizing quick digital claims and policy issuance.
Health Insurance: Provides a range of health insurance products including individual, family floater, and group health plans, with features like cashless hospitalization and easy online renewals.
Property Insurance: Covers a variety of assets against risks such as fire, natural calamities, and burglary. Includes engineering and marine cargo insurance for businesses.
Other Insurance: Includes specialized products like travel insurance (domestic and international), liability insurance, and other bespoke non-life insurance solutions.
Kamesh Goyal: Chairman & Whole-time Director. As the founder, he is a seasoned veteran in the Indian insurance industry with over 20 years of experience, known for pioneering digital insurance and customer-centric approaches. Jasleen Kohli: Managing Director & CEO. With extensive experience in insurance sales, distribution, and operations, she has played a crucial role in Go Digit's strategic growth and operational excellence prior to becoming MD & CEO.
No major subsidiaries reported for the listed insurance entity. Go Digit Infoworks Services Private Limited serves as its promoter holding company.
Successfully completed its Initial Public Offering (IPO) in May 2024, with shares listed on the NSE and BSE. No other major recent corporate actions (e.g., bonus/rights issues, significant M&A) are on record.
The Go Digit General Insurance Ltd share price today is ₹260.75 on NSE (GODIGIT), as of 23 Oct 2026.
As of 21 Oct 2026, Go Digit General Insurance Ltd share price is ₹260.75, with previous close ₹260.75. Today's range is ₹260.75 to ₹260.75. The 52-week range is ₹231.65 to ₹350.50.
As of today, Go Digit General Insurance Ltd's market cap is ₹24,387.95 crore (Large Cap).
Go Digit General Insurance Ltd's current P/E ratio is 44.27, compared to the BANKING AND FINANCE sector average of 30.
Go Digit General Insurance Ltd's current P/B ratio is 5.17.
Go Digit General Insurance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Go Digit General Insurance Ltd's EPS (TTM) is ₹28.04.
Go Digit General Insurance Ltd is a prominent digital-first general insurance provider in India. It offers a wide array of non-life insurance products, including motor, health, travel, and property insurance. Leveraging technology for simplified policy purchases, claims processing, and customer service, the company aims to make insurance accessible, transparent, and user-friendly for both individual and corporate clients.
Go Digit General Insurance Ltd is promoted by Kamesh Goyal / Go Digit Infoworks Services Private Limited, holding 73.01% as of 21 Oct 2026.
Go Digit General Insurance Ltd is listed on NSE (GODIGIT) and BSE (544179). Its next quarterly results are expected on July/August 2024 (Q1 FY25 results).
Gross Profit Margin