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

Share Price and Basic Stock Data

Last Updated: June 13, 2025, 6:14 am

Market Cap	69,132 Cr.
Current Price	394
High / Low	526/345
Stock P/E	10.3
Book Value	328
Dividend Yield	2.54 %
ROCE	16.0 %
ROE	12.2 %
Face Value	5.00
PEG Ratio	0.34

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for General Insurance Corporation of India

Competitors of General Insurance Corporation of India

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
General Insurance Corporation of India	69,132 Cr.	394	526/345	10.3	328	2.54 %	16.0 %	12.2 %	5.00
Industry Average	69,132.00 Cr	394.00		10.30	328.00	2.54%	16.00%	12.20%	5.00

All Competitor Stocks of General Insurance Corporation of India

Quarterly Result

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Sales	11,449	12,627	11,970	11,249	10,556	11,087	13,224	11,120	10,199	12,823	12,130	11,167	12,583
Expenses	8,114	12,091	9,978	10,268	7,341	10,333	11,582	9,396	7,161	11,430	9,765	9,264	9,808
Operating Profit	3,335	536	1,993	981	3,215	755	1,643	1,724	3,038	1,393	2,365	1,903	2,776
OPM %	29%	4%	17%	9%	30%	7%	12%	16%	30%	11%	20%	17%	22%
Other Income	280	453	469	315	-211	180	205	200	134	0	-84	266	147
Interest	0	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	0
Profit before tax	3,615	989	2,461	1,295	3,004	935	1,848	1,924	3,171	1,393	2,281	2,169	2,923
Tax %	50%	30%	24%	7%	15%	22%	13%	21%	17%	26%	18%	25%	25%
Net Profit	1,795	690	1,860	1,199	2,564	732	1,605	1,518	2,642	1,036	1,861	1,621	2,183
EPS in Rs	10.23	3.93	10.60	6.83	14.61	4.17	9.15	8.65	15.06	5.91	10.61	9.24	12.44

Last Updated: May 31, 2025, 9:12 am

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

For Sales, as of Mar 2025, the value is 12,583.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,167.00 Cr. (Dec 2024) to 12,583.00 Cr., marking an increase of 1,416.00 Cr..
For Expenses, as of Mar 2025, the value is 9,808.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,264.00 Cr. (Dec 2024) to 9,808.00 Cr., marking an increase of 544.00 Cr..
For Operating Profit, as of Mar 2025, the value is 2,776.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,903.00 Cr. (Dec 2024) to 2,776.00 Cr., marking an increase of 873.00 Cr..
For OPM %, as of Mar 2025, the value is 22.00%. The value appears strong and on an upward trend. It has increased from 17.00% (Dec 2024) to 22.00%, marking an increase of 5.00%.
For Other Income, as of Mar 2025, the value is 147.00 Cr.. The value appears to be declining and may need further review. It has decreased from 266.00 Cr. (Dec 2024) to 147.00 Cr., marking a decrease of 119.00 Cr..
For Interest, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2025, the value is 2,923.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,169.00 Cr. (Dec 2024) to 2,923.00 Cr., marking an increase of 754.00 Cr..
For Tax %, as of Mar 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 25.00%.
For Net Profit, as of Mar 2025, the value is 2,183.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,621.00 Cr. (Dec 2024) to 2,183.00 Cr., marking an increase of 562.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 12.44. The value appears strong and on an upward trend. It has increased from 9.24 (Dec 2024) to 12.44, marking an increase of 3.20.

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:14 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	13,251	13,616	13,559	15,211	31,301	43,489	44,297	50,128	48,687	48,856	46,402	45,197	46,318
Expenses	13,850	14,993	15,120	16,759	27,653	39,771	41,627	52,244	45,308	45,806	39,669	38,491	37,619
Operating Profit	-599	-1,377	-1,561	-1,548	3,647	3,718	2,670	-2,116	3,379	3,050	6,733	6,706	8,699
OPM %	-5%	-10%	-12%	-10%	12%	9%	6%	-4%	7%	6%	15%	15%	19%
Other Income	3,083	3,825	4,433	4,546	-14	-42	804	1,688	-202	522	1,025	1,172	315
Interest	170	138	33	2	0	0	26	0	0	0	1	1	0
Depreciation	4	5	9	9	10	7	14	18	14	12	8	10	0
Profit before tax	2,310	2,304	2,831	2,987	3,624	3,668	3,434	-446	3,163	3,560	7,749	7,878	9,014
Tax %	1%	-1%	1%	11%	14%	12%	35%	-19%	39%	44%	19%	18%
Net Profit	2,289	2,322	2,803	2,655	3,128	3,234	2,224	-359	1,920	2,006	6,312	6,497	7,161
EPS in Rs	266.15	269.98	325.89	3.09	3.64	18.43	12.68	-2.05	10.95	11.43	35.98	37.03	40.82
Dividend Payout %	0%	25%	12%	20%	32%	37%	53%	0%	0%	20%	20%	27%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	1.44%	20.71%	-5.28%	17.82%	3.39%	-31.23%	-116.14%	634.82%	4.48%	214.66%	2.93%
Change in YoY Net Profit Growth (%)	0.00%	19.27%	-25.99%	23.10%	-14.43%	-34.62%	-84.91%	750.96%	-630.34%	210.18%	-211.73%

General Insurance Corporation of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	14%
5 Years:	0%
3 Years:	0%
TTM:	8%

Compounded Profit Growth
10 Years:	18%
5 Years:	83%
3 Years:	49%
TTM:	3%

Stock Price CAGR
10 Years:	%
5 Years:	22%
3 Years:	51%
1 Year:	0%

Return on Equity
10 Years:	9%
5 Years:	12%
3 Years:	14%
Last Year:	12%

Last Updated: Unknown

Balance Sheet

Last Updated: June 12, 2025, 3:29 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	430	430	430	430	439	877	877	877	877	877	877	877
Reserves	32,771	42,669	40,208	28,051	30,674	22,484	21,046	29,326	32,436	41,100	51,118	56,745
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	29,802	30,357	33,540	66,467	78,560	95,523	94,273	104,458	111,574	115,148	126,291	129,993
Total Liabilities	63,002	73,455	74,177	94,949	109,672	118,884	116,196	134,661	144,887	157,125	178,286	187,616
Fixed Assets	118	142	175	164	171	197	181	169	170	294	287	295
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	45,688	55,725	54,441	64,745	71,922	79,613	68,526	91,096	101,106	110,683	131,425	138,074
Other Assets	17,196	17,588	19,561	30,040	37,580	39,074	47,490	43,396	43,612	46,147	46,574	49,247
Total Assets	63,002	73,455	74,177	94,949	109,672	118,884	116,196	134,661	144,887	157,125	178,286	187,616

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 295.00 Cr.. The value appears strong and on an upward trend. It has increased from 287.00 Cr. (Mar 2024) to 295.00 Cr., marking an increase of 8.00 Cr..
For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	2,571	5,802	7,782	8,662	7,016	8,225	12,824	8,420	11,349	10,744	-1
Cash from Investing Activity +	-2,720	-3,119	-4,317	-5,475	-6,912	-3,791	-10,383	-5,631	-8,753	-8,376	2
Cash from Financing Activity +	-387	-650	-1,035	-1,206	-1,428	-1,428	0	0	-395	-1,263	-2
Net Cash Flow	-536	2,033	2,429	1,981	-1,324	3,006	2,440	2,789	2,201	1,105	-1

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-599.00	-1.00	-1.00	-1.00	3.00	3.00	2.00	-2.00	3.00	3.00	6.00	6.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-686	-700	-721	-744	-338	-287	-322	-349	-439	-487	-557	-602
ROCE %	6%	4%	3%	3%	10%	12%	10%	-2%	12%	11%	21%	17%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoters	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	85.78%	82.40%
FIIs	0.53%	0.45%	0.47%	0.46%	0.53%	0.67%	0.77%	0.86%	0.95%	0.87%	1.05%	1.34%
DIIs	10.89%	10.90%	10.91%	11.07%	11.01%	11.02%	11.02%	11.02%	11.11%	11.06%	10.91%	13.72%
Public	2.79%	2.87%	2.84%	2.68%	2.67%	2.53%	2.42%	2.34%	2.15%	2.30%	2.25%	2.56%
No. of Shareholders	2,68,883	2,73,529	2,79,723	2,67,550	2,55,094	2,48,100	2,35,668	2,26,870	2,22,606	2,42,314	2,43,127	2,52,302

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HSBC Midcap Fund	1,691,021	0.48	38.56	1,691,021	2025-04-22 02:06:38	0%
Bandhan Financial Services Fund	534,269	2.08	12.18	534,269	2025-04-22 17:25:35	0%
Motilal Oswal Nifty Midcap 150 Index Fund	114,299	0.26	2.61	114,299	2025-04-22 02:06:38	0%
Nippon India ETF Nifty Midcap 150	103,309	0.26	2.36	103,309	2025-04-22 02:06:38	0%
Nippon India Nifty Midcap 150 Index Fund	95,803	0.26	2.18	95,803	2025-04-22 02:06:38	0%
Mirae Asset Nifty Midcap 150 ETF	57,379	0.26	1.31	57,379	2025-04-22 02:06:38	0%
Kotak Quant Fund	48,631	0.5	1.11	48,631	2025-04-22 02:06:38	0%
SBI Nifty Midcap 150 Index Fund	22,406	0.26	0.51	22,406	2025-04-22 02:06:38	0%
Aditya Birla Sun Life Nifty Midcap 150 Index Fund	13,963	0.26	0.32	13,963	2025-04-22 02:06:38	0%
Motilal Oswal S&P BSE Enhanced Value Index Fund	13,877	0.58	0.32	13,877	2025-04-22 17:25:35	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	5.00	5.00	5.00	5.00	5.00
Basic EPS (Rs.)	38.11	39.37	13.60	11.35	-1.06
Diluted EPS (Rs.)	38.11	39.37	13.60	11.35	-1.06
Cash EPS (Rs.)	37.16	37.54	12.61	10.49	-1.59
Book Value[Excl.RevalReserv]/Share (Rs.)	314.96	257.55	164.31	185.04	155.01
Book Value[Incl.RevalReserv]/Share (Rs.)	314.96	257.55	164.31	185.04	155.01
Revenue From Operations / Share (Rs.)	259.19	269.30	282.63	276.92	295.98
PBDIT / Share (Rs.)	49.07	49.21	21.84	17.93	-2.08
PBIT / Share (Rs.)	49.00	49.16	21.76	17.84	-2.08
PBT / Share (Rs.)	48.52	48.70	21.40	17.49	-2.08
Net Profit / Share (Rs.)	37.10	37.49	12.53	10.40	-1.59
NP After MI And SOA / Share (Rs.)	38.11	39.37	13.60	11.35	-1.06
PBDIT Margin (%)	18.93	18.27	7.72	6.47	-0.70
PBIT Margin (%)	18.90	18.25	7.69	6.44	-0.70
PBT Margin (%)	18.71	18.08	7.57	6.31	-0.70
Net Profit Margin (%)	14.31	13.92	4.43	3.75	-0.53
NP After MI And SOA Margin (%)	14.70	14.61	4.81	4.09	-0.35
Return on Networth / Equity (%)	12.09	15.28	8.27	6.13	-0.68
Return on Capital Employeed (%)	10.03	12.78	6.35	5.85	-0.94
Return On Assets (%)	3.62	4.24	1.57	1.41	-0.15
Asset Turnover Ratio (%)	0.26	0.30	0.34	0.37	0.42
Current Ratio (X)	0.48	0.49	0.50	0.52	0.60
Quick Ratio (X)	0.48	0.49	0.50	0.52	0.60
Dividend Payout Ratio (NP) (%)	18.89	5.71	0.00	0.00	-635.11
Dividend Payout Ratio (CP) (%)	18.85	5.70	0.00	0.00	-635.11
Earning Retention Ratio (%)	81.11	94.29	0.00	0.00	735.11
Cash Earning Retention Ratio (%)	81.15	94.30	0.00	0.00	735.11
Interest Coverage Ratio (X)	102.71	106.92	61.06	51.67	0.00
Interest Coverage Ratio (Post Tax) (X)	85.66	88.80	36.04	30.98	0.00
Enterprise Value (Cr.)	33031.25	-202.25	-1468.72	16420.25	2296.92
EV / Net Operating Revenue (X)	0.72	0.00	-0.02	0.33	0.04
EV / EBITDA (X)	3.84	-0.02	-0.38	5.22	-6.28
MarketCap / Net Operating Revenue (X)	1.27	0.49	0.40	0.72	0.35
Retention Ratios (%)	81.10	94.28	0.00	0.00	735.11
Price / BV (X)	1.05	0.52	0.69	1.08	0.67
Price / Net Operating Revenue (X)	1.27	0.49	0.40	0.72	0.35
EarningsYield	0.11	0.29	0.11	0.05	-0.01

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 24, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 5.00.
For Basic EPS (Rs.), as of Mar 24, the value is 38.11. This value is within the healthy range. It has decreased from 39.37 (Mar 23) to 38.11, marking a decrease of 1.26.
For Diluted EPS (Rs.), as of Mar 24, the value is 38.11. This value is within the healthy range. It has decreased from 39.37 (Mar 23) to 38.11, marking a decrease of 1.26.
For Cash EPS (Rs.), as of Mar 24, the value is 37.16. This value is within the healthy range. It has decreased from 37.54 (Mar 23) to 37.16, marking a decrease of 0.38.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 314.96. It has increased from 257.55 (Mar 23) to 314.96, marking an increase of 57.41.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 314.96. It has increased from 257.55 (Mar 23) to 314.96, marking an increase of 57.41.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 259.19. It has decreased from 269.30 (Mar 23) to 259.19, marking a decrease of 10.11.
For PBDIT / Share (Rs.), as of Mar 24, the value is 49.07. This value is within the healthy range. It has decreased from 49.21 (Mar 23) to 49.07, marking a decrease of 0.14.
For PBIT / Share (Rs.), as of Mar 24, the value is 49.00. This value is within the healthy range. It has decreased from 49.16 (Mar 23) to 49.00, marking a decrease of 0.16.
For PBT / Share (Rs.), as of Mar 24, the value is 48.52. This value is within the healthy range. It has decreased from 48.70 (Mar 23) to 48.52, marking a decrease of 0.18.
For Net Profit / Share (Rs.), as of Mar 24, the value is 37.10. This value is within the healthy range. It has decreased from 37.49 (Mar 23) to 37.10, marking a decrease of 0.39.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 38.11. This value is within the healthy range. It has decreased from 39.37 (Mar 23) to 38.11, marking a decrease of 1.26.
For PBDIT Margin (%), as of Mar 24, the value is 18.93. This value is within the healthy range. It has increased from 18.27 (Mar 23) to 18.93, marking an increase of 0.66.
For PBIT Margin (%), as of Mar 24, the value is 18.90. This value is within the healthy range. It has increased from 18.25 (Mar 23) to 18.90, marking an increase of 0.65.
For PBT Margin (%), as of Mar 24, the value is 18.71. This value is within the healthy range. It has increased from 18.08 (Mar 23) to 18.71, marking an increase of 0.63.
For Net Profit Margin (%), as of Mar 24, the value is 14.31. This value exceeds the healthy maximum of 10. It has increased from 13.92 (Mar 23) to 14.31, marking an increase of 0.39.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 14.70. This value is within the healthy range. It has increased from 14.61 (Mar 23) to 14.70, marking an increase of 0.09.
For Return on Networth / Equity (%), as of Mar 24, the value is 12.09. This value is below the healthy minimum of 15. It has decreased from 15.28 (Mar 23) to 12.09, marking a decrease of 3.19.
For Return on Capital Employeed (%), as of Mar 24, the value is 10.03. This value is within the healthy range. It has decreased from 12.78 (Mar 23) to 10.03, marking a decrease of 2.75.
For Return On Assets (%), as of Mar 24, the value is 3.62. This value is below the healthy minimum of 5. It has decreased from 4.24 (Mar 23) to 3.62, marking a decrease of 0.62.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.26. It has decreased from 0.30 (Mar 23) to 0.26, marking a decrease of 0.04.
For Current Ratio (X), as of Mar 24, the value is 0.48. This value is below the healthy minimum of 1.5. It has decreased from 0.49 (Mar 23) to 0.48, marking a decrease of 0.01.
For Quick Ratio (X), as of Mar 24, the value is 0.48. This value is below the healthy minimum of 1. It has decreased from 0.49 (Mar 23) to 0.48, marking a decrease of 0.01.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 18.89. This value is below the healthy minimum of 20. It has increased from 5.71 (Mar 23) to 18.89, marking an increase of 13.18.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 18.85. This value is below the healthy minimum of 20. It has increased from 5.70 (Mar 23) to 18.85, marking an increase of 13.15.
For Earning Retention Ratio (%), as of Mar 24, the value is 81.11. This value exceeds the healthy maximum of 70. It has decreased from 94.29 (Mar 23) to 81.11, marking a decrease of 13.18.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 81.15. This value exceeds the healthy maximum of 70. It has decreased from 94.30 (Mar 23) to 81.15, marking a decrease of 13.15.
For Interest Coverage Ratio (X), as of Mar 24, the value is 102.71. This value is within the healthy range. It has decreased from 106.92 (Mar 23) to 102.71, marking a decrease of 4.21.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 85.66. This value is within the healthy range. It has decreased from 88.80 (Mar 23) to 85.66, marking a decrease of 3.14.
For Enterprise Value (Cr.), as of Mar 24, the value is 33,031.25. It has increased from -202.25 (Mar 23) to 33,031.25, marking an increase of 33,233.50.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 0.72. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 23) to 0.72, marking an increase of 0.72.
For EV / EBITDA (X), as of Mar 24, the value is 3.84. This value is below the healthy minimum of 5. It has increased from -0.02 (Mar 23) to 3.84, marking an increase of 3.86.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has increased from 0.49 (Mar 23) to 1.27, marking an increase of 0.78.
For Retention Ratios (%), as of Mar 24, the value is 81.10. This value exceeds the healthy maximum of 70. It has decreased from 94.28 (Mar 23) to 81.10, marking a decrease of 13.18.
For Price / BV (X), as of Mar 24, the value is 1.05. This value is within the healthy range. It has increased from 0.52 (Mar 23) to 1.05, marking an increase of 0.53.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has increased from 0.49 (Mar 23) to 1.27, marking an increase of 0.78.
For EarningsYield, as of Mar 24, the value is 0.11. This value is below the healthy minimum of 5. It has decreased from 0.29 (Mar 23) to 0.11, marking a decrease of 0.18.

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of General Insurance Corporation of India as of June 13, 2025 is: 338.11

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of June 13, 2025, General Insurance Corporation of India is Overvalued by 14.19% compared to the current share price 394.00

Intrinsic Value of General Insurance Corporation of India as of June 13, 2025 is: 439.90

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of June 13, 2025, General Insurance Corporation of India is Undervalued by 11.65% compared to the current share price 394.00

Last 5 Year EPS CAGR: 30.10%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -519.33, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has higher reserves (35,719.00 cr) compared to borrowings (0.00 cr), indicating strong financial stability.	The stock has a low average ROCE of 8.92%, which may not be favorable. The company has not shown consistent growth in sales (35.00) and profit (-30.77).

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in General Insurance Corporation of India:
1. Net Profit Margin: 14.31%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 10.03% (Industry Average ROCE: 16%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 12.09% (Industry Average ROE: 12.2%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 85.66
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 0.48
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 10.3 (Industry average Stock P/E: 10.3)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

General Insurance Corporation of India is a Public Limited Listed company incorporated on 22/11/1972 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L67200MH1972GOI016133 and registration number is 016133. Currently Company is involved in the business activities of Reinsurance. Company's Total Operating Revenue is Rs. 45293.24 Cr. and Equity Capital is Rs. 877.20 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Reinsurance	Suraksha, Mumbai Maharashtra 400020	investors.gic@gicre.in https://www.gicre.in

Management
Name	Position Held
Mr. Ramaswamy Narayanan	Chairman & Managing Director
Mr. Hitesh Rameshchandra Joshi	Executive Director
Ms. C S Radhika	Executive Director
Ms. A Manimekhalai	Independent Director
Ms. Vinita Kumari	Independent Director
Mr. T Sivakumar	Independent Director
Mr. Priya Bhushan Sharma	Independent Director
Dr. M P Tangirala	Government Nominee Director

FAQ

What is the intrinsic value of General Insurance Corporation of India?

General Insurance Corporation of India's intrinsic value (as of 13 June 2025) is ₹338.11 — 14.19% lower the current market price of 394.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 69,132 Cr. market cap, FY2025-2026 high/low of ₹526/345, reserves of 56,745 Cr, and liabilities of 187,616 Cr.

What is the Market Cap of General Insurance Corporation of India?

The Market Cap of General Insurance Corporation of India is 69,132 Cr..

What is the current Stock Price of General Insurance Corporation of India as on 13 June 2025?

The current stock price of General Insurance Corporation of India as on 13 June 2025 is 394.

What is the High / Low of General Insurance Corporation of India stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of General Insurance Corporation of India stocks is ₹526/345.

What is the Stock P/E of General Insurance Corporation of India?

The Stock P/E of General Insurance Corporation of India is 10.3.

What is the Book Value of General Insurance Corporation of India?

The Book Value of General Insurance Corporation of India is 328.

What is the Dividend Yield of General Insurance Corporation of India?

The Dividend Yield of General Insurance Corporation of India is 2.54 %.

What is the ROCE of General Insurance Corporation of India?

The ROCE of General Insurance Corporation of India is 16.0 %.

What is the ROE of General Insurance Corporation of India?

The ROE of General Insurance Corporation of India is 12.2 %.

What is the Face Value of General Insurance Corporation of India?

The Face Value of General Insurance Corporation of India is 5.00.