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General Ins. Corp

₹321.4 -0.2 | 0.1%

Market Cap ₹56378 Cr.

Stock P/E 8.2

P/B 1.5

Current Price ₹321.4

Book Value ₹ 218.9

Face Value 5

52W High ₹467

Dividend Yield 2.24%

52W Low ₹ 169

General Ins. Corp Research see more...

Overview Inc. Year: 1972Industry: Insurance

General Insurance Corporation of India is a reinsurance organisation. The Company is engaged in the enterprise of home reinsurance, international reinsurance, and education / lifestyles. The Company's home reinsurance provides reinsurance to the direct widespread insurance corporations inside the Indian market. The Company's international reinsurance business gives reinsurance programmers' of numerous coverage companies in SAARC international locations, South East Asia, Middle East and Africa. The Company segments consist of Fire Insurance, Motor Insurance, Aviation Insurance, Engineering coverage, Health, different Miscellaneous Insurance, Marine Cargo, Marine Hull and Life insurance.

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General Ins. Corp Share Price

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Peer Comparison

General Ins. Corp Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Net Sales 10749 8991 8703 10734 8862 8653 7724 8696 9954 7780
Other Income 2715 2355 3099 2403 3710 2940 2875 2714 3512 3572
Total Income 13464 11346 11801 13137 12572 11594 10599 11410 13466 11352
Total Expenditure 11894 11376 8076 12111 9896 10289 7574 10257 11611 9532
Operating Profit 1570 -30 3726 1026 2676 1305 3025 1154 1855 1820
Interest 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 1570 -30 3726 1026 2676 1305 3025 1154 1855 1820
Provision for Tax 203 -69 1816 317 614 108 416 204 244 428
Profit After Tax 1367 40 1910 709 2062 1197 2609 950 1612 1392
Adjustments -19 102 26 20 155 35 120 28 77 47
Profit After Adjustments 1348 142 1936 729 2217 1232 2729 978 1689 1439
Adjusted Earnings Per Share 7.7 0.8 11 4.2 12.6 7 15.6 5.6 9.6 8.2

General Ins. Corp Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Net Sales 13616 13595 15300 26776 38200 38250 44351 39985 39557 35974 34154
Other Income 2730 2899 2964 3022 3986 4873 5994 6599 7780 8137 12673
Total Income 16346 16494 18264 29798 42186 43123 50345 46584 47337 44110 46827
Total Expenditure 14742 14933 16607 27198 39668 40364 51124 45296 44146 38774 38974
Operating Profit 1603 1561 1658 2600 2518 2759 -780 1288 3191 5337 7854
Interest 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 2416 2920 3125 4168 3580 3973 -274 3236 3942 8361 7854
Provision for Tax -17 29 108 496 435 1216 -87 1244 1556 1454 1292
Profit After Tax 2433 2891 3017 3672 3146 2758 -186 1992 2386 6907 6563
Adjustments 0 0 0 0 0 0 0 0 0 0 272
Profit After Adjustments 2433 2891 3017 3672 3146 2758 -186 1992 2386 6907 6835
Adjusted Earnings Per Share 14.1 16.8 17.5 106.7 17.9 15.7 -1.1 11.4 13.6 39.4 39

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -9% -7% -1% 0%
Operating Profit CAGR 67% 0% 16% 0%
PAT CAGR 189% 0% 17% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 86% 17% 7% NA%
ROE Average 21% 13% 10% 14%
ROCE Average 26% 18% 14% 16%

General Ins. Corp Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 13654 16024 17058 20183 24155 25492 23944 26253 28827 35996
Minority's Interest 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 29707 38260 36053 45975 45567 48513 36312 52028 56246 57643
Total Current Liabilities 22433 22774 30620 33804 46054 52111 64331 66357 71652 75894
Total Liabilities 65794 77058 83730 99961 115775 126116 124587 144638 156724 169533
Fixed Assets 118 181 198 192 200 225 209 200 200 324
Other Non-Current Assets 47127 57160 56052 66820 74091 82306 71173 94222 104906 115513
Total Current Assets 18549 19717 27480 32950 41485 43586 53204 50216 51618 53696
Total Assets 65794 77058 83730 99961 115775 126116 124587 144638 156724 169533

General Ins. Corp Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 8234 8264 7749 9779 12231 14257 12933 16107 18589 21451
Cash Flow from Operating Activities 2923 2635 5876 7901 8837 7604 8617 13284 9051 11722
Cash Flow from Investing Activities -2539 -2677 -4534 -4354 -5502 -7865 -4595 -10453 -6827 -9999
Cash Flow from Financing Activities -687 -387 453 -1035 -1206 -1428 -1428 0 104 -395
Net Cash Inflow / Outflow -302 -429 1795 2512 2129 -1688 2594 2830 2328 1328
Closing Cash & Cash Equivalent 8264 7749 9779 12231 14257 12933 16107 18589 21451 23702

General Ins. Corp Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 14.15 16.81 17.54 106.74 17.93 15.72 -1.06 11.35 13.6 39.37
CEPS(Rs) 14.15 16.81 17.54 106.74 17.93 15.72 -1.06 11.35 13.6 39.37
DPS(Rs) 5.23 6.28 10 11.65 13.5 6.75 0 0 2.25 7.2
Book NAV/Share(Rs) 79.38 93.16 99.17 586.7 137.68 145.31 136.48 149.64 164.31 205.18
Core EBITDA Margin(%) -8.27 -9.84 -8.54 -1.58 -3.84 -5.53 -15.27 -13.28 -11.6 -7.78
EBIT Margin(%) 17.74 21.48 20.42 15.57 9.37 10.39 -0.62 8.09 9.97 23.24
Pre Tax Margin(%) 17.74 21.48 20.42 15.57 9.37 10.39 -0.62 8.09 9.97 23.24
PAT Margin (%) 17.87 21.27 19.72 13.71 8.23 7.21 -0.42 4.98 6.03 19.2
Cash Profit Margin (%) 17.87 21.27 19.72 13.71 8.23 7.21 -0.42 4.98 6.03 19.2
ROA(%) 7.12 7.38 7.13 8.09 6.04 5.02 -0.39 4.32 4.2 10.83
ROE(%) 17.82 19.48 18.24 19.72 14.19 11.11 -0.75 7.94 8.66 21.31
ROCE(%) 17.69 19.68 18.89 22.38 16.15 16.01 -1.11 12.89 14.31 25.8
Receivable days 0 0 0 0 0 0 0 0 0 0
Inventory Days 0 0 0 0 0 0 0 0 0 0
Payable days 0 0 0 0 0 0 0 0 0 0
PER(x) 0 0 0 0 20.33 15.43 0 17.58 8.37 3.4
Price/Book(x) 0 0 0 0 2.65 1.67 0.77 1.33 0.69 0.65
Dividend Yield(%) 0 0 0 0 1.85 2.78 0 0 1.98 5.38
EV/Net Sales(x) -0.58 -0.54 -0.61 -0.44 1.3 0.77 0.05 0.41 -0.04 -0.01
EV/Core EBITDA(x) -4.89 -4.69 -5.64 -4.54 19.73 10.74 -2.95 12.75 -0.46 -0.04
Net Sales Growth(%) 0 -0.16 12.55 75 42.67 0.13 15.95 -9.85 -1.07 -9.06
EBIT Growth(%) 0 20.87 7.01 33.37 -14.09 10.98 -106.89 1281.71 21.83 112.1
PAT Growth(%) 0 18.82 4.36 21.71 -14.33 -12.33 -106.76 1168.12 19.82 189.46
EPS Growth(%) 0 18.82 4.36 508.53 -83.2 -12.33 -106.76 1168.12 19.82 189.46
Debt/Equity(x) 0 0 0 0 0 0 0 0 0 0
Current Ratio(x) 0.59 0.6 0.64 0.66 0.67 0.62 0.62 0.55 0.53 0.53
Quick Ratio(x) 0.59 0.6 0.64 0.66 0.67 0.62 0.62 0.55 0.53 0.53
Interest Cover(x) 0 0 0 0 0 0 0 0 0 0
Total Debt/Mcap(x) 0 0 0 0 0 0 0 0 0 0

General Ins. Corp Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78 85.78
FII 0.53 0.45 0.47 0.46 0.53 0.67 0.77 0.86 0.95 0.86
DII 10.89 10.89 10.91 11.08 11.02 11.02 11.03 11.02 11.12 11.06
Public 2.79 2.87 2.84 2.68 2.67 2.53 2.41 2.33 2.15 2.29
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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