Share Price and Basic Stock Data
Last Updated: October 20, 2025, 5:29 pm
| PEG Ratio | 0.31 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
General Insurance Corporation of India (GIC Re) operates in the finance and reinsurance sector, focusing on providing reinsurance solutions. As of the latest quarter, the company reported sales of ₹13,224 Cr for September 2023, showing a sequential increase from ₹11,087 Cr in June 2023. Over the past year, GIC Re’s revenue has shown fluctuations, with a peak of ₹12,627 Cr in June 2022, followed by a decline to ₹10,199 Cr in March 2024. However, the revenue trajectory seems to be stabilizing with a healthy recovery observed in the subsequent quarters, indicating a resilient demand for its reinsurance products. The company’s total revenue for the trailing twelve months (TTM) stands at ₹46,402 Cr for FY 2023, reflecting a marginal decline from ₹48,856 Cr in FY 2022. This performance aligns with broader industry trends, where reinsurance companies are experiencing varying growth rates due to market dynamics and regulatory changes.
Profitability and Efficiency Metrics
GIC Re’s profitability metrics present a mixed picture. The company’s net profit for FY 2025 reached ₹6,701 Cr, a significant increase from ₹6,312 Cr in FY 2023, showcasing a robust growth trajectory. The operating profit margin (OPM) stood at 15% for the most recent reporting period, indicating improved operational efficiency compared to the previous year. However, the OPM has seen considerable fluctuations over the quarters, peaking at 30% in both March 2023 and March 2024, while dipping to 7% in June 2023. The return on equity (ROE) is reported at 12.2%, while the return on capital employed (ROCE) is at 16%, reflecting solid returns on investments. The interest coverage ratio (ICR) is notably high at 102.71x, indicating strong earnings relative to interest obligations, which is particularly impressive given the absence of borrowings. This financial health provides GIC Re with a buffer against market volatility.
Balance Sheet Strength and Financial Ratios
The balance sheet of GIC Re shows substantial strength, characterized by zero borrowings and significant reserves of ₹56,745 Cr as of March 2025. This is a marked increase from ₹41,100 Cr in March 2023, demonstrating the company’s ability to bolster its financial cushion. The debt-to-equity ratio remains at 0, reflecting a conservative financing approach that prioritizes equity over debt. The price-to-book value (P/BV) stands at 1.05x, suggesting the stock is reasonably valued compared to its book value. The liquidity ratios, including the current and quick ratios, are reported at 0.48x, indicating potential liquidity concerns as they are below the ideal benchmark of 1.0. However, GIC Re’s ability to generate cash flows and maintain operational efficiency mitigates some of these risks. The company has also maintained a consistent dividend payout ratio, which stood at 26% for FY 2025, further enhancing its attractiveness to investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of GIC Re reveals strong promoter confidence, with promoters holding 82.40% of the total shares as of March 2025. This substantial stake provides reassurance to investors regarding management’s commitment to the company’s growth. Foreign institutional investors (FIIs) have gradually increased their stake to 2.12%, while domestic institutional investors (DIIs) hold 13.29%. The public shareholding is relatively small at 2.19%, indicating a concentrated ownership structure. The total number of shareholders has decreased to 2,26,765, down from a peak of 2,67,550 in September 2022, which may reflect a consolidation trend among investors. This concentrated shareholding could be a double-edged sword, as it may lead to volatility in stock price movements but also suggests that the core investor base remains committed to the company’s long-term prospects.
Outlook, Risks, and Final Insight
If margins sustain their upward trajectory, GIC Re could capitalize on the growing demand for reinsurance in a recovering global economy. However, potential risks include fluctuating claims ratios and regulatory changes that could affect profitability. The company’s ability to navigate these challenges while maintaining its strong balance sheet will be crucial. Additionally, as the market dynamics evolve, GIC Re must ensure it adapts its product offerings to meet the changing needs of clients. The absence of debt provides a competitive advantage, allowing the company to leverage opportunities without the burden of interest payments. Overall, GIC Re’s financial health, combined with its strong market position, positions it well for future growth, provided it can effectively manage the inherent risks in the reinsurance sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 67,764 Cr. | 386 | 526/345 | 9.13 | 328 | 2.59 % | 16.0 % | 12.2 % | 5.00 |
| Industry Average | 67,764.00 Cr | 386.00 | 9.13 | 328.00 | 2.59% | 16.00% | 12.20% | 5.00 |
All Competitor Stocks of General Insurance Corporation of India
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 12,627 | 11,970 | 11,249 | 10,556 | 11,087 | 13,224 | 11,120 | 10,199 | 12,823 | 12,130 | 11,167 | 12,583 | 14,402 |
| Expenses | 12,091 | 9,978 | 10,268 | 7,341 | 10,333 | 11,582 | 9,396 | 7,161 | 11,430 | 9,765 | 9,264 | 9,808 | 12,210 |
| Operating Profit | 536 | 1,993 | 981 | 3,215 | 755 | 1,643 | 1,724 | 3,038 | 1,393 | 2,365 | 1,903 | 2,776 | 2,192 |
| OPM % | 4% | 17% | 9% | 30% | 7% | 12% | 16% | 30% | 11% | 20% | 17% | 22% | 15% |
| Other Income | 453 | 469 | 315 | -211 | 180 | 205 | 200 | 134 | 0 | -84 | 266 | 147 | 51 |
| 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 | 989 | 2,461 | 1,295 | 3,004 | 935 | 1,848 | 1,924 | 3,171 | 1,393 | 2,281 | 2,169 | 2,923 | 2,244 |
| Tax % | 30% | 24% | 7% | 15% | 22% | 13% | 21% | 17% | 26% | 18% | 25% | 25% | 22% |
| Net Profit | 690 | 1,860 | 1,199 | 2,564 | 732 | 1,605 | 1,518 | 2,642 | 1,036 | 1,861 | 1,621 | 2,183 | 1,752 |
| EPS in Rs | 3.93 | 10.60 | 6.83 | 14.61 | 4.17 | 9.15 | 8.65 | 15.06 | 5.91 | 10.61 | 9.24 | 12.44 | 9.99 |
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
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 13,616 | 13,559 | 15,211 | 31,301 | 43,489 | 44,297 | 50,128 | 48,687 | 48,856 | 46,402 | 45,800 | 48,903 | 50,282 |
| Expenses | 14,993 | 15,120 | 16,759 | 27,653 | 39,771 | 41,627 | 52,244 | 45,308 | 45,806 | 39,669 | 38,366 | 40,453 | 41,046 |
| Operating Profit | -1,377 | -1,561 | -1,548 | 3,647 | 3,718 | 2,670 | -2,116 | 3,379 | 3,050 | 6,733 | 7,434 | 8,449 | 9,236 |
| OPM % | -10% | -12% | -10% | 12% | 9% | 6% | -4% | 7% | 6% | 15% | 16% | 17% | 18% |
| Other Income | 3,825 | 4,433 | 4,546 | -14 | -42 | 804 | 1,688 | -202 | 522 | 1,025 | 454 | 329 | 380 |
| Interest | 138 | 33 | 2 | 0 | 0 | 26 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Depreciation | 5 | 9 | 9 | 10 | 7 | 14 | 18 | 14 | 12 | 8 | 10 | 12 | 0 |
| Profit before tax | 2,304 | 2,831 | 2,987 | 3,624 | 3,668 | 3,434 | -446 | 3,163 | 3,560 | 7,749 | 7,878 | 8,766 | 9,616 |
| Tax % | -1% | 1% | 11% | 14% | 12% | 35% | -19% | 39% | 44% | 19% | 18% | 24% | |
| Net Profit | 2,322 | 2,803 | 2,655 | 3,128 | 3,234 | 2,224 | -359 | 1,920 | 2,006 | 6,312 | 6,497 | 6,701 | 7,417 |
| EPS in Rs | 269.98 | 325.89 | 3.09 | 3.64 | 18.43 | 12.68 | -2.05 | 10.95 | 11.43 | 35.98 | 37.03 | 38.20 | 42.28 |
| Dividend Payout % | 25% | 12% | 20% | 32% | 37% | 53% | 0% | 0% | 20% | 20% | 27% | 26% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 20.71% | -5.28% | 17.82% | 3.39% | -31.23% | -116.14% | 634.82% | 4.48% | 214.66% | 2.93% | 3.14% |
| Change in YoY Net Profit Growth (%) | 0.00% | -25.99% | 23.10% | -14.43% | -34.62% | -84.91% | 750.96% | -630.34% | 210.18% | -211.73% | 0.21% |
General Insurance Corporation of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 0% |
| 3 Years: | 0% |
| TTM: | 6% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 83% |
| 3 Years: | 49% |
| TTM: | 9% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 21% |
| 3 Years: | 41% |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 12% |
| 3 Years: | 14% |
| Last Year: | 12% |
Last Updated: September 5, 2025, 4:35 am
Balance Sheet
Last Updated: September 10, 2025, 1:45 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 | 288 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 |
| 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 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.
Cash Flow
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -1.00 | -1.00 | -1.00 | 3.00 | 3.00 | 2.00 | -2.00 | 3.00 | 3.00 | 6.00 | 7.00 | 8.00 |
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.
Financial Efficiency Indicators
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | -700 | -721 | -744 | -338 | -287 | -322 | -349 | -439 | -487 | -557 | -594 | -589 |
| ROCE % | 4% | 3% | 3% | 10% | 12% | 10% | -2% | 12% | 11% | 21% | 17% | 16% |
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% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Basic EPS (Rs.) | 42.36 | 38.11 | 39.37 | 13.60 | 11.35 |
| Diluted EPS (Rs.) | 42.36 | 38.11 | 39.37 | 13.60 | 11.35 |
| Cash EPS (Rs.) | 39.75 | 37.16 | 37.54 | 12.61 | 10.49 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 350.55 | 314.96 | 257.55 | 164.31 | 185.04 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 350.55 | 314.96 | 257.55 | 164.31 | 185.04 |
| Revenue From Operations / Share (Rs.) | 282.81 | 259.19 | 269.30 | 282.63 | 276.92 |
| PBDIT / Share (Rs.) | 55.30 | 49.07 | 49.21 | 21.84 | 17.93 |
| PBIT / Share (Rs.) | 55.30 | 49.00 | 49.16 | 21.76 | 17.84 |
| PBT / Share (Rs.) | 55.30 | 48.52 | 48.70 | 21.40 | 17.49 |
| Net Profit / Share (Rs.) | 39.75 | 37.10 | 37.49 | 12.53 | 10.40 |
| NP After MI And SOA / Share (Rs.) | 42.36 | 38.11 | 39.37 | 13.60 | 11.35 |
| PBDIT Margin (%) | 19.55 | 18.93 | 18.27 | 7.72 | 6.47 |
| PBIT Margin (%) | 19.55 | 18.90 | 18.25 | 7.69 | 6.44 |
| PBT Margin (%) | 19.55 | 18.71 | 18.08 | 7.57 | 6.31 |
| Net Profit Margin (%) | 14.05 | 14.31 | 13.92 | 4.43 | 3.75 |
| NP After MI And SOA Margin (%) | 14.97 | 14.70 | 14.61 | 4.81 | 4.09 |
| Return on Networth / Equity (%) | 12.08 | 12.09 | 15.28 | 8.27 | 6.13 |
| Return on Capital Employeed (%) | 10.92 | 10.03 | 12.78 | 6.35 | 5.85 |
| Return On Assets (%) | 3.81 | 3.62 | 4.24 | 1.57 | 1.41 |
| Asset Turnover Ratio (%) | 0.26 | 0.26 | 0.30 | 0.34 | 0.37 |
| Current Ratio (X) | 0.47 | 0.48 | 0.49 | 0.50 | 0.52 |
| Quick Ratio (X) | 0.47 | 0.48 | 0.49 | 0.50 | 0.52 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 18.89 | 5.71 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 18.85 | 5.70 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 0.00 | 81.11 | 94.29 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 0.00 | 81.15 | 94.30 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 0.00 | 102.71 | 106.92 | 61.06 | 51.67 |
| Interest Coverage Ratio (Post Tax) (X) | 0.00 | 85.66 | 88.80 | 36.04 | 30.98 |
| Enterprise Value (Cr.) | 48405.16 | 33031.25 | -202.25 | -1468.72 | 16420.25 |
| EV / Net Operating Revenue (X) | 0.97 | 0.72 | 0.00 | -0.02 | 0.33 |
| EV / EBITDA (X) | 4.99 | 3.84 | -0.02 | -0.38 | 5.22 |
| MarketCap / Net Operating Revenue (X) | 1.49 | 1.27 | 0.49 | 0.40 | 0.72 |
| Retention Ratios (%) | 0.00 | 81.10 | 94.28 | 0.00 | 0.00 |
| Price / BV (X) | 1.20 | 1.05 | 0.52 | 0.69 | 1.08 |
| Price / Net Operating Revenue (X) | 1.49 | 1.27 | 0.49 | 0.40 | 0.72 |
| EarningsYield | 0.10 | 0.11 | 0.29 | 0.11 | 0.05 |
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.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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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:
- Net Profit Margin: 14.05%
- 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.
- ROCE: 10.92% (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.
- ROE%: 12.08% (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.
- Interest Coverage Ratio (Post Tax): 0
- 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.
- Quick Ratio: 0.47
- 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.
- Stock P/E: 9.13 (Industry average Stock P/E: 9.13)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 14.05%
About the Company - Qualitative Analysis
| 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 21 October 2025) is 299.85 which is 22.32% lower the current market price of 386.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 67,764 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 67,764 Cr..
What is the current Stock Price of General Insurance Corporation of India as on 21 October 2025?
The current stock price of General Insurance Corporation of India as on 21 October 2025 is 386.
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 9.13.
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 2.59 %.
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.