WEBSITE BSE:544179 NSE: GODIGIT Inc. Year: 2016 Industry: Insurance
Last updated: 15:50
Go Digit General Insurance Limited, founded by Kamesh Goyal, who partnered with Fairfax Group, aims to simplify insurance for customers. Founded in 2016, Digit Insurance has been offering a diverse range of products including car, travel, and health insurance. Vision is to make insurance accessible and hassle-free for everyone. Digit has a user base of over 43.26 million customers and the Former Indian Men’s Cricket Team Captain Virat Kohli as a brand ambassador reflecting its strong market presence and customer-centric philosophy. With ...Read More
Go Digit General Insurance Limited, founded by Kamesh Goyal, who partnered with Fairfax Group, aims to simplify insurance for customers. Founded in 2016, Digit Insurance has been offering a diverse range of products including car, travel, and health insurance. Vision is to make insurance accessible and hassle-free for everyone. Digit has a user base of over 43.26 million customers and the Former Indian Men’s Cricket Team Captain Virat Kohli as a brand ambassador reflecting its strong market presence and customer-centric philosophy. With a customer-first approach, Digit has quickly become a favorite among a wide clientele seeking straightforward insurance solutions. The promoters, led by Kamesh Goyal and backed by the Fairfax Group, emphasize transparency and innovation in the insurance sector. ...Read Less
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Market Cap ₹29745 Cr.
Stock P/E 70
P/B 6.8
Current Price ₹324.3
Book Value ₹ 47.4
Face Value 10
52W High ₹380.7
Dividend Yield 0%
52W Low ₹ 264.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1657 | 1982 | 1982 | 1824 | 1891 | 2084 | 2247 | 1865 | 2088 | 2160 |
| Other Income | 247 | 303 | 742 | 282 | 343 | 352 | 672 | 372 | 401 | 411 |
| Total Income | 1905 | 2286 | 2724 | 2106 | 2234 | 2436 | 2919 | 2237 | 2489 | 2571 |
| Total Expenditure | 1877 | 2243 | 2672 | 2004 | 2145 | 2318 | 2804 | 2077 | 2353 | 2408 |
| Operating Profit | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 |
| 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 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22 | 19 | 23 |
| Profit After Tax | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 |
| Adjusted Earnings Per Share | 0.3 | 0.5 | 0.6 | 1.1 | 1 | 1.3 | 1.3 | 1.5 | 1.3 | 1.5 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 0 | 7 | 500 | 1241 | 1944 | 3404 | 5164 | 7096 | 8046 | 8360 |
| Other Income | 0 | 0 | 26 | 123 | 241 | 355 | 617 | 1346 | 1434 | 1856 |
| Total Income | 0 | 7 | 526 | 1365 | 2185 | 3759 | 5780 | 8443 | 9480 | 10216 |
| Total Expenditure | 0 | 91 | 826 | 1592 | 2371 | 4135 | 5847 | 7959 | 8865 | 9642 |
| Operating Profit | 0 | -83 | -300 | -227 | -185 | -375 | -66 | 484 | 615 | 576 |
| Interest | 0 | 0 | 3 | 7 | 8 | 12 | 21 | 33 | 35 | 0 |
| Depreciation | 0 | 1 | 3 | 7 | 9 | 12 | 15 | 18 | 20 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -6 | -70 | -271 | -175 | -123 | -296 | 36 | 182 | 425 | 576 |
| Provision for Tax | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 64 |
| Profit After Tax | -6 | -70 | -271 | -175 | -123 | -296 | 36 | 182 | 425 | 511 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -6 | -70 | -271 | -175 | -123 | -296 | 36 | 182 | 425 | 511 |
| Adjusted Earnings Per Share | -6.9 | -2 | -4 | -2.1 | -1.5 | -3.4 | 0.4 | 2.1 | 4.6 | 5.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 13% | 33% | 45% | 0% |
| Operating Profit CAGR | 27% | 0% | 0% | 0% |
| PAT CAGR | 134% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 13% | NA% | NA% | NA% |
| ROE Average | 13% | 7% | -2% | -42% |
| ROCE Average | 12% | 7% | -2% | -42% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 3 | 274 | 479 | 1131 | 1177 | 1893 | 2352 | 2547 | 4065 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 350 | 350 |
| Other Non-Current Liabilities | 0 | 69 | 528 | 832 | 1591 | 2403 | 3155 | 3875 | 4141 |
| Total Current Liabilities | 2 | 62 | 750 | 1930 | 3236 | 5752 | 7982 | 10187 | 12904 |
| Total Liabilities | 5 | 405 | 1757 | 3893 | 6004 | 10048 | 13490 | 16958 | 21461 |
| Fixed Assets | 0 | 5 | 13 | 20 | 22 | 125 | 161 | 160 | 161 |
| Other Non-Current Assets | 3 | 333 | 1454 | 3543 | 5511 | 9271 | 12390 | 15410 | 19465 |
| Total Current Assets | 2 | 66 | 290 | 330 | 471 | 652 | 938 | 1388 | 1835 |
| Total Assets | 5 | 405 | 1757 | 3893 | 6004 | 10048 | 13490 | 16958 | 21461 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 1 | 34 | 113 | 74 | 160 | 147 | 279 | 356 |
| Cash Flow from Operating Activities | -5 | 15 | 644 | 1199 | 1563 | 2471 | 2250 | 1720 | 1604 |
| Cash Flow from Investing Activities | -3 | -324 | -1040 | -2057 | -1637 | -3487 | -2514 | -1986 | -2837 |
| Cash Flow from Financing Activities | 9 | 341 | 475 | 820 | 159 | 1003 | 397 | 342 | 1092 |
| Net Cash Inflow / Outflow | 1 | 33 | 79 | -39 | 86 | -13 | 133 | 77 | -141 |
| Closing Cash & Cash Equivalent | 1 | 34 | 113 | 74 | 160 | 147 | 279 | 356 | 214 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -6.92 | -2 | -4.01 | -2.15 | -1.49 | -3.44 | 0.41 | 2.08 | 4.6 |
| CEPS(Rs) | -6.92 | -2 | -4.01 | -2.15 | -1.49 | -3.44 | 0.41 | 2.08 | 4.6 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 3.08 | 7.82 | 7.11 | 13.84 | 13.98 | 22.04 | 26.61 | 28.74 | 43.69 |
| Core EBITDA Margin(%) | 0 | -1115.97 | -65.18 | -28.23 | -21.96 | -21.45 | -13.22 | -12.15 | -10.18 |
| EBIT Margin(%) | 0 | -936.67 | -54.18 | -14.12 | -6.32 | -8.69 | 0.69 | 2.56 | 5.28 |
| Pre Tax Margin(%) | 0 | -936.67 | -54.18 | -14.12 | -6.32 | -8.69 | 0.69 | 2.56 | 5.28 |
| PAT Margin (%) | 0 | -939.43 | -54.13 | -14.12 | -6.32 | -8.69 | 0.69 | 2.56 | 5.28 |
| Cash Profit Margin (%) | 0 | -939.43 | -54.13 | -14.12 | -6.32 | -8.69 | 0.69 | 2.56 | 5.28 |
| ROA(%) | -222.36 | -50.73 | -71.9 | -22.01 | -10.48 | -18.45 | 1.61 | 6.59 | 10.99 |
| ROE(%) | -224.32 | -50.74 | -71.88 | -21.77 | -10.75 | -19.43 | 1.69 | 7.51 | 12.98 |
| ROCE(%) | -223.46 | -50.59 | -71.94 | -21.77 | -10.75 | -19.43 | 1.69 | 7 | 11.73 |
| Receivable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62.82 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.62 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0 | 42.31 | 1.12 | 0.6 | 0.34 | 0.21 | 0.12 | 0.12 | 3.33 |
| EV/Core EBITDA(x) | 0 | -3.79 | -1.87 | -3.27 | -3.58 | -1.9 | -8.97 | 1.79 | 43.62 |
| Net Sales Growth(%) | 0 | 0 | 6597.61 | 148.28 | 56.58 | 75.14 | 51.68 | 37.43 | 13.38 |
| EBIT Growth(%) | 0 | -1027.61 | -287.39 | 35.3 | 29.95 | -141.01 | 112.01 | 411.1 | 133.89 |
| PAT Growth(%) | 0 | -1026.56 | -285.93 | 35.25 | 29.95 | -141.01 | 112.01 | 411.1 | 133.89 |
| EPS Growth(%) | 0 | 71.03 | -100.24 | 46.53 | 30.62 | -131.38 | 111.81 | 410.45 | 121.76 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.14 | 0.09 |
| Current Ratio(x) | 0.97 | 0.51 | 0.23 | 0.12 | 0.1 | 0.08 | 0.08 | 0.1 | 0.11 |
| Quick Ratio(x) | 0.97 | 0.51 | 0.23 | 0.12 | 0.1 | 0.08 | 0.08 | 0.1 | 0.11 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 |
| # | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Promoter | 73.58 | 73.28 | 73.18 | 73.12 | 73.1 | 73.09 | 73.03 |
| FII | 5.1 | 5.52 | 6.47 | 7.85 | 8.28 | 8.47 | 8.26 |
| DII | 16.22 | 15.58 | 15.18 | 15.27 | 14.39 | 14.13 | 14.34 |
| Public | 5.1 | 5.63 | 5.17 | 3.76 | 4.23 | 4.31 | 4.38 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Promoter | 67.49 | 67.49 | 67.49 | 67.49 | 67.49 | 67.49 | 67.5 |
| FII | 4.67 | 5.08 | 5.97 | 7.25 | 7.65 | 7.82 | 7.63 |
| DII | 14.88 | 14.34 | 14 | 14.09 | 13.28 | 13.04 | 13.25 |
| Public | 4.68 | 5.18 | 4.77 | 3.47 | 3.91 | 3.98 | 4.05 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 91.72 | 92.1 | 92.22 | 92.3 | 92.33 | 92.33 | 92.43 |
* The pros and cons are machine generated.
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