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Go Digit General Insurance
Large Cap•4,534 Employees•IPO 2024
Current Price
₹334.65
-9.85 (-2.86%)Updated
Valuation vs Sector
P/E Ratio
60.23vs 18.54
P/B Ratio
7.02vs 2.09
Div Yield
0.00%vs 0.59%
Today's Range
331.8
₹334.65
344
52 Week Range
52W Low₹264.60
52W High₹381.40
₹334.65
Downside26.47%
Upside13.97%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹30,839.44 Cr
Market Cap
Total market value of companyP/E Ratio
53.41
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
6.79
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹5.52
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
5.39%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
10.80%
ROCE
Return on Capital Employed. >15% is goodNet Margin
5.98%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
11.40%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
51.60%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.08
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹49.97
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
73.10%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Go Digit shows robust quarterly profit growth of 51.60%, with net profit reaching 136 Cr, indicating strong operational efficiency and a positive financial trajectory for future expansion.
- •The company exhibits a healthy Return on Equity (ROE) of 11.90% and a Return on Capital Employed (ROCE) of 10.80%, highlighting efficient capital allocation and strong profitability.
Weaknesses
3 points- •Go Digit's Price-to-Earnings (P/E) ratio of 66.40 is considerably high, potentially suggesting overvaluation relative to its earnings. This warrants comparison to industry peers and future growth projections.
- •Despite sales growth, Go Digit's Operating Profit Margin (OPM) is a mere 2.09%, indicating relatively low profitability from core operations. This warrants a review of cost management and pricing strategies.
Opportunities
3 points- •The general insurance sector, where Go Digit operates, is poised for growth driven by increasing insurance penetration, rising disposable incomes, and evolving regulatory frameworks in India.
- •Leveraging its digital-first approach, Go Digit has an opportunity to expand its market share by catering to tech-savvy customers and streamlining processes for greater efficiency.
Threats
3 points- •The general insurance market is highly competitive, with established players like ICICI Lombard and GICRE posing a significant threat to Go Digit's market share and pricing power.
- •Changes in insurance regulations or government policies could negatively impact Go Digit's business model, profitability, and operational flexibility within the dynamic financial services sector.
Segment-wise Financial Analysis
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Shareholding Pattern
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Company Insider Trading Activity
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Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹366.23 | +₹31.58 | +9.44% |
| R3 | ₹354.03 | +₹19.38 | +5.79% |
| R2 | ₹349.02 | +₹14.37 | +4.29% |
| R1 | ₹341.83 | +₹7.18 | +2.15% |
| PIVOT | ₹336.82 | 2.17 | 0.65% |
| CURRENT | ₹334.65 | - | - |
| S1 | ₹305.23 | -₹29.42 | -8.79% |
| S2 | ₹317.43 | -₹17.22 | -5.14% |
| S3 | ₹324.62 | -₹10.03 | -3.00% |
| S4 | ₹329.63 | -₹5.02 | -1.50% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-70.7% vs avg
1.32L
(13 Mar 2026)Delivery %-10.0% vs avg
39.3%
(13 Mar 2026)Avg Volume (20D)20-day average
4.51L
(13 Feb - 13 Mar)Avg Delivery %Trend ↓
49.2%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
ICICI Lombard General Insurance Company Ltd
96,007.53 ₹ Cr
Best Profit Growth
New India Assurance Company Ltd
67.30 %
Highest Dividend Yield
New India Assurance Company Ltd
0.85 %
Peer Comparison
| Company Name |
|---|
 ICICI Lombard General Insurance Company Ltd |
 New India Assurance Company Ltd |
About
Go Digit General Insurance Ltd
Go Digit General Insurance Limited is a prominent player in the Indian insurance market, offering a comprehensive range of insurance products to cater to diverse customer needs. Their business model centers on providing convenient and accessible insurance solutions through various distribution channels, focusing on both individual and corporate clients.
A core component of Go Digit's business is motor insurance. This segment covers a broad spectrum of vehicles, from personal cars and two-wheelers to commercial vehicles like trucks, auto-rickshaws, taxis, and cabs. This wide coverage allows them to address a substantial portion of the Indian motor vehicle insurance market.
Health insurance constitutes another significant area of Go Digit's operations. They offer a variety of health plans, including individual and family health insurance, super top-up policies for enhanced coverage, Outpatient Department (OPD) plans, and comprehensive corporate health insurance solutions designed for businesses. The inclusion of Arogya Sanjeevani and port health policies demonstrates their commitment to providing solutions for specific health needs.
Beyond motor and health insurance, Go Digit also provides specialized insurance products for various sectors and risks. This includes liability insurance for directors and officers, construction-related insurance (erection and contractors all risk), workmen's compensation insurance, marine cargo insurance, and Contractor's Plant and Machinery (CPM) insurance. These offerings highlight Go Digit's versatility and ability to cater to niche market requirements.
Furthermore, Go Digit offers a selection of other insurance products catering to personal and business needs. This includes international travel insurance for individuals venturing abroad, property insurance covering homes, shops, and offices, and fire insurance for various properties. This comprehensive portfolio solidifies their position as a versatile and significant player within the Indian insurance landscape.
COMPANY FACTS - GODIGIT
Registered Address
Koramangala Industrial Layout, 5th Block, 4th B Cross Road, Atlantis, 95
Bangalore
KARNATAKA
IN
Tel: 912067495400
Website:https://www.godigit.com/
Investor Relations:http://www.godigit.com/investor-relations
Company Details
Group: Insurance
Sector: Financials
Industry: Insurance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 4,534
IPO Date: 23/05/2024
MANAGEMENT - GODIGIT
Mr. Kamesh Goyal
Non-Executive Chairman of the Board
Ms. Jasleen Kohli
Chief Executive Officer, Managing Director, Executive Director
Mr. Ravi Khetan
Chief Financial Officer
Mr. Easwara Muthuswamy
Chief Operating Officer
Ms. Amrit Arora
Chief Human Resources Officer
Mr. Rajeev Singh
Chief Technology Officer, Chief Risk Officer
Mr. Parimal Heda
Chief Investment Officer
Mr. Vivek Chaturvedi
Chief Marketing Officer and Head of Direct Sales, Health and Travel Business
Mr. Tejas Saraf
Compliance Officer, Company Secretary
Ms. Rasika Kuber
Chief Compliance Officer
Mr. Adarsh Agarwal
Actuary
Mr. Gangadharayya Jadagerimath
Head of Technology
Investor Questions Answered
Go Digit General Insurance Ltd (GODIGIT) Stock FAQs
Get answers to the most common questions about Go Digit General Insurance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Go Digit General Insurance Ltd (GODIGIT) is ₹334.65. Today, the stock has declined by ₹9.85 (2.86%), trading in a range of ₹331.8 to ₹344. The stock opened at ₹344 with a trading volume of 1,32,053 shares.
Go Digit General Insurance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹30,839.44 crores, P/E ratio of 53.41, ROE of 5.39%, and ROCE of 10.80%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Go Digit General Insurance Ltd (GODIGIT) is ₹381.4, while the 52-week low is ₹264.6. Currently trading at ₹334.65, the stock is 60.0% away from its 52-week low and 12.3% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Go Digit General Insurance Ltd stock at ₹334.65 depends on multiple factors. The stock is currently trading with a P/E ratio of 53.41 and P/B ratio of N/A. Today's performance shows a loss of 2.86%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Go Digit General Insurance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹334.65, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Go Digit General Insurance Ltd's key financial metrics include: P/E Ratio: 53.41, P/B Ratio: N/A, ROE: 5.39%, ROCE: 10.80%, Dividend Yield: 0.00%, EPS: ₹5.52, Book Value: ₹49.97, Debt-to-Equity: 0.08, and Current Ratio: N/A. The company's market cap stands at ₹30,839.44 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Go Digit General Insurance Ltd stock opened at ₹344 and is currently trading at ₹334.65, showing a decline of ₹9.85 (2.86%). The intraday high is ₹344 and low is ₹331.8. The trading volume stands at 1,32,053 shares, indicating moderate market participation today.
Go Digit General Insurance Ltd has a Price-to-Earnings (P/E) ratio of 53.41, which means investors are willing to pay ₹53.41 for every ₹1 of earnings. With an EPS of ₹5.52, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Go Digit General Insurance Ltd has a market capitalization of ₹30,839.44 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹334.65) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Go Digit General Insurance Ltd has a book value of ₹49.97 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹334.65, which is 569.7% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Go Digit General Insurance Ltd has a Return on Equity (ROE) of 5.39% and Return on Capital Employed (ROCE) of 10.80%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Go Digit General Insurance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Go Digit General Insurance Ltd has a debt-to-equity ratio of 0.08, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Go Digit General Insurance Ltd has an Earnings Per Share (EPS) of ₹5.52, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹334.65 and P/E ratio of 53.41, investors are paying 53.41 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Go Digit General Insurance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Go Digit General Insurance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Go Digit General Insurance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (53.41), ROE (5.39%), debt-to-equity (0.08), and growth rates. 2) Technical Analysis - Check 52-week range (₹264.60 - ₹381.40), moving averages, and chart patterns. 3) Valuation - Compare current price (₹334.65) with book value (₹49.97) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Go Digit General Insurance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹334.65 is 3246x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Go Digit General Insurance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹264.60 - ₹381.40). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.08 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,32,053 shares. 5) Valuation Risk - P/E of 53.41 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Go Digit General Insurance Ltd operates in the industry with key metrics: P/E ratio of 53.41, ROE of 5.39%, market cap of ₹30,839.44 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.08), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Go Digit General Insurance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹334.65, with a 52-week range of ₹264.60 to ₹381.40. Based on fundamentals like P/E (53.41), ROE (5.39%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Go Digit General Insurance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹334.65. 2) Fundamental Deterioration - Declining ROE (currently 5.39%), increasing debt (D/E: 0.08), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Go Digit General Insurance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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