General Ins. Corp

₹414.5 0.5 | 0.1%

WEBSITE BSE:540755 NSE : GICRE 09 Dec, 12:20

Market Cap ₹72720 Cr.

Stock P/E 10.9

P/B 1.6

Current Price ₹414.5

Book Value ₹ 251.5

Face Value 5

52W High ₹467

Dividend Yield 2.41%

52W Low ₹ 280.3

Edit Ratio

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.

General Ins. Corp Share Price

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Peer Comparison

General Ins. Corp Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Net Sales	10734	8862	8653	7724	8696	9954	7780	7274	10098	8886
Other Income	2403	3710	2940	2875	2662	3491	3572	3130	2823	3508
Total Income	13137	12572	11594	10599	11359	13445	11352	10404	12921	12394
Total Expenditure	12111	9896	10289	7574	10205	11590	9532	7308	11431	10107
Operating Profit	1026	2676	1305	3025	1154	1855	1820	3096	1490	2287
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	1026	2676	1305	3025	1154	1855	1820	3096	1490	2287
Provision for Tax	317	614	108	416	204	244	428	542	368	422
Profit After Tax	709	2062	1197	2609	950	1612	1392	2554	1122	1865
Adjustments	20	155	35	120	28	77	47	26	279	-9
Profit After Adjustments	729	2217	1232	2729	978	1689	1439	2580	1401	1856
Adjusted Earnings Per Share	4.2	12.6	7	15.6	5.6	9.6	8.2	14.7	8	10.6

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	Mar 2024	TTM
Net Sales	13616	13595	15300	26776	38200	38250	44351	39985	39557	35974	33705	34038
Other Income	2730	2899	2964	3022	3986	4873	5994	6599	7780	8137	8193	13033
Total Income	16346	16494	18264	29798	42186	43123	50345	46584	47337	44110	41897	47071
Total Expenditure	14742	14933	16607	27198	39668	40364	51124	45296	44146	38774	37814	38378
Operating Profit	1603	1561	1658	2600	2518	2759	-780	1288	3191	5337	4084	8693
Interest	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	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	0
Profit Before Tax	2416	2920	3125	4168	3580	3973	-274	3236	3942	8361	8103	8693
Provision for Tax	-17	29	108	496	435	1216	-87	1244	1556	1454	1417	1760
Profit After Tax	2433	2891	3017	3672	3146	2758	-186	1992	2386	6907	6686	6933
Adjustments	0	0	0	0	0	0	0	0	0	0	0	343
Profit After Adjustments	2433	2891	3017	3672	3146	2758	-186	1992	2386	6907	6686	7276
Adjusted Earnings Per Share	14.1	16.8	17.5	106.7	17.9	15.7	-1.1	11.4	13.6	39.4	0	41.5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-6%	-6%	-2%	9%
Operating Profit CAGR	-23%	47%	8%	10%
PAT CAGR	-3%	50%	19%	11%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	36%	43%	11%	NA%
ROE Average	17%	16%	11%	14%
ROCE Average	21%	20%	15%	17%

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	Mar 2024
Shareholder's Funds	13654	16024	17058	20183	24155	25492	23944	26253	28827	35996	41935
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	29707	38260	36053	45975	45567	48513	36312	52028	56246	57643	70797
Total Current Liabilities	22433	22774	30620	33804	46054	52111	64331	66357	71652	75894	80572
Total Liabilities	65794	77058	83730	99961	115775	126116	124587	144638	156724	169533	193304
Fixed Assets	118	181	198	192	200	225	209	200	200	324	318
Other Non-Current Assets	47127	57160	56052	66820	74091	82306	71173	94222	104906	115513	136603
Total Current Assets	18549	19717	27480	32950	41485	43586	53204	50216	51618	53696	56383
Total Assets	65794	77058	83730	99961	115775	126116	124587	144638	156724	169533	193304

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	Mar 2024
Opening Cash & Cash Equivalents	8234	8264	7749	9779	12231	14257	12933	16107	18589	21451	23702
Cash Flow from Operating Activities	2923	2635	5876	7901	8837	7604	8617	13284	9051	11722	11144
Cash Flow from Investing Activities	-2539	-2677	-4534	-4354	-5502	-7865	-4595	-10453	-6827	-9999	-8872
Cash Flow from Financing Activities	-687	-387	453	-1035	-1206	-1428	-1428	0	104	-395	-1263
Net Cash Inflow / Outflow	-302	-429	1795	2512	2129	-1688	2594	2830	2328	1328	1009
Closing Cash & Cash Equivalent	8264	7749	9779	12231	14257	12933	16107	18589	21451	23702	24855

General Ins. Corp Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	14.15	16.81	17.54	106.74	17.93	15.72	-1.06	11.35	13.6	39.37	0
CEPS(Rs)	14.15	16.81	17.54	106.74	17.93	15.72	-1.06	11.35	13.6	39.37	38.11
DPS(Rs)	5.23	6.28	10	11.65	13.5	6.75	0	0	2.25	7.2	10
Book NAV/Share(Rs)	79.38	93.16	99.17	586.7	137.68	145.31	136.48	149.64	164.31	205.18	239.03
Core EBITDA Margin(%)	-8.27	-9.84	-8.54	-1.58	-3.84	-5.53	-15.27	-13.28	-11.6	-7.78	-12.19
EBIT Margin(%)	17.74	21.48	20.42	15.57	9.37	10.39	-0.62	8.09	9.97	23.24	24.04
Pre Tax Margin(%)	17.74	21.48	20.42	15.57	9.37	10.39	-0.62	8.09	9.97	23.24	24.04
PAT Margin (%)	17.87	21.27	19.72	13.71	8.23	7.21	-0.42	4.98	6.03	19.2	19.84
Cash Profit Margin (%)	17.87	21.27	19.72	13.71	8.23	7.21	-0.42	4.98	6.03	19.2	19.84
ROA(%)	7.12	7.38	7.13	8.09	6.04	5.02	-0.39	4.32	4.2	10.83	8.73
ROE(%)	17.82	19.48	18.24	19.72	14.19	11.11	-0.75	7.94	8.66	21.31	17.16
ROCE(%)	17.69	19.68	18.89	22.38	16.15	16.01	-1.11	12.89	14.31	25.8	20.79
Receivable days	0	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	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	0
Price/Book(x)	0	0	0	0	2.65	1.67	0.77	1.33	0.69	0.65	1.38
Dividend Yield(%)	0	0	0	0	1.85	2.78	0	0	1.98	5.38	3.03
EV/Net Sales(x)	-0.58	-0.54	-0.61	-0.44	1.3	0.77	0.05	0.41	-0.04	-0.01	0.98
EV/Core EBITDA(x)	-4.89	-4.69	-5.64	-4.54	19.73	10.74	-2.95	12.75	-0.46	-0.04	8.09
Net Sales Growth(%)	0	-0.16	12.55	75	42.67	0.13	15.95	-9.85	-1.07	-9.06	-6.31
EBIT Growth(%)	0	20.87	7.01	33.37	-14.09	10.98	-106.89	1281.71	21.83	112.1	-3.09
PAT Growth(%)	0	18.82	4.36	21.71	-14.33	-12.33	-106.76	1168.12	19.82	189.46	-3.21
EPS Growth(%)	0	18.82	4.36	508.53	-83.2	-12.33	-106.76	1168.12	19.82	189.46	-100
Debt/Equity(x)	0	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	0.52
Quick Ratio(x)	0.59	0.6	0.64	0.66	0.67	0.62	0.62	0.55	0.53	0.53	0.52
Interest Cover(x)	0	0	0	0	0	0	0	0	0	0	0
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0	0

General Ins. Corp Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	85.78	85.78	85.78	85.78	85.78	85.78	85.78	85.78	85.78	82.4
FII	0.47	0.46	0.53	0.67	0.77	0.86	0.95	0.86	1.05	1.34
DII	10.91	11.08	11.02	11.02	11.03	11.02	11.12	11.06	10.91	13.71
Public	2.84	2.68	2.67	2.53	2.41	2.33	2.15	2.29	2.25	2.55
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	150.5	150.5	150.5	150.5	150.5	150.5	150.5	150.5	150.5	144.56
FII	0.83	0.81	0.92	1.17	1.36	1.51	1.66	1.52	1.84	2.35
DII	19.13	19.43	19.33	19.33	19.35	19.34	19.5	19.4	19.15	24.06
Public	4.98	4.7	4.69	4.44	4.23	4.09	3.77	4.02	3.95	4.47
Others	0	0	0	0	0	0	0	0	0	0
Total	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44

Pros

Company is almost debt free.

Cons

* 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.