General Insurance Corporation of India: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: November 10, 2025, 8:51 pm

Competitors of General Insurance Corporation of India

All Competitor Stocks of General Insurance Corporation of India

Quarterly Result

Last Updated: August 20, 2025, 10:30 am

Below is a detailed analysis of the quarterly data for General Insurance Corporation of India based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Sales, as of Jun 2025, the value is 14,402.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,583.00 Cr. (Mar 2025) to 14,402.00 Cr., marking an increase of 1,819.00 Cr..
• For Expenses, as of Jun 2025, the value is 12,210.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,808.00 Cr. (Mar 2025) to 12,210.00 Cr., marking an increase of 2,402.00 Cr..
• For Operating Profit, as of Jun 2025, the value is 2,192.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,776.00 Cr. (Mar 2025) to 2,192.00 Cr., marking a decrease of 584.00 Cr..
• For OPM %, as of Jun 2025, the value is 15.00%. The value appears to be declining and may need further review. It has decreased from 22.00% (Mar 2025) to 15.00%, marking a decrease of 7.00%.
• For Other Income, as of Jun 2025, the value is 51.00 Cr.. The value appears to be declining and may need further review. It has decreased from 147.00 Cr. (Mar 2025) to 51.00 Cr., marking a decrease of 96.00 Cr..
• For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
• For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
• For Profit before tax, as of Jun 2025, the value is 2,244.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,923.00 Cr. (Mar 2025) to 2,244.00 Cr., marking a decrease of 679.00 Cr..
• For Tax %, as of Jun 2025, the value is 22.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Mar 2025) to 22.00%, marking a decrease of 3.00%.
• For Net Profit, as of Jun 2025, the value is 1,752.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,183.00 Cr. (Mar 2025) to 1,752.00 Cr., marking a decrease of 431.00 Cr..
• For EPS in Rs, as of Jun 2025, the value is 9.99. The value appears to be declining and may need further review. It has decreased from 12.44 (Mar 2025) to 9.99, marking a decrease of 2.45.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: October 15, 2025, 5:19 am

Growth

Last Updated: September 5, 2025, 4:35 am

Balance Sheet

Last Updated: September 10, 2025, 1:45 pm

Below is a detailed analysis of the balance sheet data for General Insurance Corporation of India based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 877.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 877.00 Cr..
• For Reserves, as of Mar 2025, the value is 56,745.00 Cr.. The value appears strong and on an upward trend. It has increased from 51,118.00 Cr. (Mar 2024) to 56,745.00 Cr., marking an increase of 5,627.00 Cr..
• For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 129,993.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 126,291.00 Cr. (Mar 2024) to 129,993.00 Cr., marking an increase of 3,702.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 187,616.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 178,286.00 Cr. (Mar 2024) to 187,616.00 Cr., marking an increase of 9,330.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 288.00 Cr.. The value appears strong and on an upward trend. It has increased from 287.00 Cr. (Mar 2024) to 288.00 Cr., marking an increase of 1.00 Cr..
• For CWIP, as of Mar 2025, the value is 8.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Mar 2024) to 8.00 Cr., marking an increase of 8.00 Cr..
• For Investments, as of Mar 2025, the value is 138,074.00 Cr.. The value appears strong and on an upward trend. It has increased from 131,425.00 Cr. (Mar 2024) to 138,074.00 Cr., marking an increase of 6,649.00 Cr..
• For Other Assets, as of Mar 2025, the value is 49,247.00 Cr.. The value appears strong and on an upward trend. It has increased from 46,574.00 Cr. (Mar 2024) to 49,247.00 Cr., marking an increase of 2,673.00 Cr..
• For Total Assets, as of Mar 2025, the value is 187,616.00 Cr.. The value appears strong and on an upward trend. It has increased from 178,286.00 Cr. (Mar 2024) to 187,616.00 Cr., marking an increase of 9,330.00 Cr..

Notably, the Reserves (56,745.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Free Cash Flow

Financial Efficiency Indicators

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

After reviewing the key financial ratios for General Insurance Corporation of India, here is a detailed analysis based on the latest available data and recent trends:

• For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
• For Basic EPS (Rs.), as of Mar 25, the value is 42.36. This value is within the healthy range. It has increased from 38.11 (Mar 24) to 42.36, marking an increase of 4.25.
• For Diluted EPS (Rs.), as of Mar 25, the value is 42.36. This value is within the healthy range. It has increased from 38.11 (Mar 24) to 42.36, marking an increase of 4.25.
• For Cash EPS (Rs.), as of Mar 25, the value is 39.75. This value is within the healthy range. It has increased from 37.16 (Mar 24) to 39.75, marking an increase of 2.59.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 350.55. It has increased from 314.96 (Mar 24) to 350.55, marking an increase of 35.59.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 350.55. It has increased from 314.96 (Mar 24) to 350.55, marking an increase of 35.59.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 282.81. It has increased from 259.19 (Mar 24) to 282.81, marking an increase of 23.62.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 55.30. This value is within the healthy range. It has increased from 49.07 (Mar 24) to 55.30, marking an increase of 6.23.
• For PBIT / Share (Rs.), as of Mar 25, the value is 55.30. This value is within the healthy range. It has increased from 49.00 (Mar 24) to 55.30, marking an increase of 6.30.
• For PBT / Share (Rs.), as of Mar 25, the value is 55.30. This value is within the healthy range. It has increased from 48.52 (Mar 24) to 55.30, marking an increase of 6.78.
• For Net Profit / Share (Rs.), as of Mar 25, the value is 39.75. This value is within the healthy range. It has increased from 37.10 (Mar 24) to 39.75, marking an increase of 2.65.
• For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 42.36. This value is within the healthy range. It has increased from 38.11 (Mar 24) to 42.36, marking an increase of 4.25.
• For PBDIT Margin (%), as of Mar 25, the value is 19.55. This value is within the healthy range. It has increased from 18.93 (Mar 24) to 19.55, marking an increase of 0.62.
• For PBIT Margin (%), as of Mar 25, the value is 19.55. This value is within the healthy range. It has increased from 18.90 (Mar 24) to 19.55, marking an increase of 0.65.
• For PBT Margin (%), as of Mar 25, the value is 19.55. This value is within the healthy range. It has increased from 18.71 (Mar 24) to 19.55, marking an increase of 0.84.
• For Net Profit Margin (%), as of Mar 25, the value is 14.05. This value exceeds the healthy maximum of 10. It has decreased from 14.31 (Mar 24) to 14.05, marking a decrease of 0.26.
• For NP After MI And SOA Margin (%), as of Mar 25, the value is 14.97. This value is within the healthy range. It has increased from 14.70 (Mar 24) to 14.97, marking an increase of 0.27.
• For Return on Networth / Equity (%), as of Mar 25, the value is 12.08. This value is below the healthy minimum of 15. It has decreased from 12.09 (Mar 24) to 12.08, marking a decrease of 0.01.
• For Return on Capital Employeed (%), as of Mar 25, the value is 10.92. This value is within the healthy range. It has increased from 10.03 (Mar 24) to 10.92, marking an increase of 0.89.
• For Return On Assets (%), as of Mar 25, the value is 3.81. This value is below the healthy minimum of 5. It has increased from 3.62 (Mar 24) to 3.81, marking an increase of 0.19.
• For Asset Turnover Ratio (%), as of Mar 25, the value is 0.26. There is no change compared to the previous period (Mar 24) which recorded 0.26.
• For Current Ratio (X), as of Mar 25, the value is 0.47. This value is below the healthy minimum of 1.5. It has decreased from 0.48 (Mar 24) to 0.47, marking a decrease of 0.01.
• For Quick Ratio (X), as of Mar 25, the value is 0.47. This value is below the healthy minimum of 1. It has decreased from 0.48 (Mar 24) to 0.47, marking a decrease of 0.01.
• For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 18.89 (Mar 24) to 0.00, marking a decrease of 18.89.
• For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 18.85 (Mar 24) to 0.00, marking a decrease of 18.85.
• For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 81.11 (Mar 24) to 0.00, marking a decrease of 81.11.
• For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 81.15 (Mar 24) to 0.00, marking a decrease of 81.15.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 102.71 (Mar 24) to 0.00, marking a decrease of 102.71.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 85.66 (Mar 24) to 0.00, marking a decrease of 85.66.
• For Enterprise Value (Cr.), as of Mar 25, the value is 48,405.16. It has increased from 33,031.25 (Mar 24) to 48,405.16, marking an increase of 15,373.91.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 0.97. This value is below the healthy minimum of 1. It has increased from 0.72 (Mar 24) to 0.97, marking an increase of 0.25.
• For EV / EBITDA (X), as of Mar 25, the value is 4.99. This value is below the healthy minimum of 5. It has increased from 3.84 (Mar 24) to 4.99, marking an increase of 1.15.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.49. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.49, marking an increase of 0.22.
• For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 81.10 (Mar 24) to 0.00, marking a decrease of 81.10.
• For Price / BV (X), as of Mar 25, the value is 1.20. This value is within the healthy range. It has increased from 1.05 (Mar 24) to 1.20, marking an increase of 0.15.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.49. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.49, marking an increase of 0.22.
• For EarningsYield, as of Mar 25, the value is 0.10. This value is below the healthy minimum of 5. It has decreased from 0.11 (Mar 24) to 0.10, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Fair Value

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Strength and Weakness