Share Price and Basic Stock Data
Last Updated: January 3, 2026, 11:21 am
| PEG Ratio | 0.24 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
General Insurance Corporation of India (GIC) operates in the finance and reinsurance sector, with a reported market capitalization of ₹66,588 Cr and a share price of ₹380. The company has demonstrated a varied revenue trajectory, with quarterly sales peaking at ₹13,224 Cr in September 2023, up from ₹11,970 Cr in September 2022. The latest available trailing twelve months (TTM) revenue stood at ₹50,868 Cr, indicating a recovery from the ₹46,402 Cr reported in the fiscal year 2023. The company’s operating profit margin (OPM) has fluctuated, recording a high of 30% in March 2023, but generally stabilizing around 17% for the fiscal year 2025. A significant increase in revenue is noted in the latest quarter, suggesting effective strategies to capture market opportunities. GIC’s ability to maintain consistent sales while managing operational expenses effectively reflects its resilience in a competitive insurance landscape.
Profitability and Efficiency Metrics
GIC’s profitability metrics showcase a robust performance with a net profit of ₹8,423 Cr for the fiscal year 2025, an increase from ₹6,312 Cr in 2023. The return on equity (ROE) stood at 12.2%, while the return on capital employed (ROCE) was reported at 16%, indicating efficient use of capital and shareholder equity. The interest coverage ratio (ICR) is notably high at 141.04x, reflecting the company’s ability to cover its interest obligations comfortably, a significant strength as the firm has no borrowings. The operating profit for the latest quarter (September 2023) was ₹1,643 Cr, translating to an OPM of 12%. However, the fluctuating OPM across quarters, particularly a dip to 7% in June 2023, highlights the need for management to closely monitor operational efficiency. Overall, GIC has positioned itself well in profitability, albeit with some volatility in operational margins.
Balance Sheet Strength and Financial Ratios
GIC’s balance sheet reflects a solid financial foundation with total assets of ₹198,613 Cr and total liabilities of ₹129,993 Cr as of March 2025. The company has consistently maintained zero borrowings, enhancing its financial stability, while reserves grew to ₹61,698 Cr, indicating a strong buffer against potential losses. The price-to-book value (P/BV) ratio is currently at 1.20x, which is relatively favorable compared to industry standards, suggesting that GIC’s shares are valued appropriately in relation to their book value. The current ratio stands at 0.47, indicating potential liquidity concerns, while the quick ratio mirrors this at the same level. The company’s operating profit margin has improved over the years, with an OPM of 19.72% reported for the fiscal year 2025. As such, while the balance sheet appears strong, the liquidity ratios warrant attention to ensure operational flexibility.
Shareholding Pattern and Investor Confidence
The shareholding pattern of GIC indicates a strong promoter presence at 82.40%, reflecting significant control and commitment to the firm. Foreign institutional investors (FIIs) have gradually increased their stake to 2.12%, while domestic institutional investors (DIIs) hold 13.10% as of September 2025. This suggests growing confidence among institutional investors, albeit at relatively modest levels compared to typical sector benchmarks. The number of shareholders stood at 2,30,683, indicating a diversifying investor base. Over recent quarters, the promoter shareholding has decreased slightly from 85.78% in December 2022, which could suggest a strategic move to enhance liquidity and attract institutional investment. The consistent dividend payout ratio, which stood at 23.6% for FY 2025, reflects the company’s commitment to returning value to shareholders. Overall, the shareholding structure denotes a stable foundation, although the decline in promoter shareholding raises questions about future governance dynamics.
Outlook, Risks, and Final Insight
Looking ahead, GIC’s outlook appears promising, particularly with its solid profitability metrics and robust balance sheet. However, the company faces risks related to operational efficiency, as evidenced by fluctuating OPM figures, which could impact future earnings stability. The competitive landscape in the reinsurance sector poses additional challenges, especially as market conditions evolve. Additionally, the low liquidity ratios could restrict the company’s operational flexibility in times of financial stress. GIC’s ability to navigate these risks while capitalizing on growth opportunities will be crucial. Should the company enhance its operational efficiency and maintain its strong capital structure, it could potentially outperform sector averages. Conversely, failure to address these operational challenges may lead to volatility in earnings and investor sentiment. Overall, GIC stands at a crossroads, requiring strategic focus to harness its strengths while mitigating inherent risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| General Insurance Corporation of India | 66,588 Cr. | 380 | 476/345 | 7.91 | 357 | 2.63 % | 16.0 % | 12.2 % | 5.00 |
| Industry Average | 66,588.00 Cr | 380.00 | 7.91 | 357.00 | 2.63% | 16.00% | 12.20% | 5.00 |
All Competitor Stocks of General Insurance Corporation of India
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11,970 | 11,249 | 10,556 | 11,087 | 13,224 | 11,120 | 10,199 | 12,823 | 12,130 | 11,167 | 12,583 | 14,402 | 12,716 |
| Expenses | 9,978 | 10,268 | 7,341 | 10,333 | 11,582 | 9,396 | 7,161 | 11,430 | 9,765 | 9,264 | 9,808 | 12,210 | 9,812 |
| Operating Profit | 1,993 | 981 | 3,215 | 755 | 1,643 | 1,724 | 3,038 | 1,393 | 2,365 | 1,903 | 2,776 | 2,192 | 2,904 |
| OPM % | 17% | 9% | 30% | 7% | 12% | 16% | 30% | 11% | 20% | 17% | 22% | 15% | 23% |
| Other Income | 469 | 315 | -211 | 180 | 205 | 200 | 134 | 0 | -84 | 266 | 147 | 51 | 568 |
| 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 | 2,461 | 1,295 | 3,004 | 935 | 1,848 | 1,924 | 3,171 | 1,393 | 2,281 | 2,169 | 2,923 | 2,244 | 3,473 |
| Tax % | 24% | 7% | 15% | 22% | 13% | 21% | 17% | 26% | 18% | 25% | 25% | 22% | 17% |
| Net Profit | 1,860 | 1,199 | 2,564 | 732 | 1,605 | 1,518 | 2,642 | 1,036 | 1,861 | 1,621 | 2,183 | 1,752 | 2,867 |
| EPS in Rs | 10.60 | 6.83 | 14.61 | 4.17 | 9.15 | 8.65 | 15.06 | 5.91 | 10.61 | 9.24 | 12.44 | 9.99 | 16.34 |
Last Updated: January 1, 2026, 5:04 pm
Below is a detailed analysis of the quarterly data for General Insurance Corporation of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 12,716.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,402.00 Cr. (Jun 2025) to 12,716.00 Cr., marking a decrease of 1,686.00 Cr..
- For Expenses, as of Sep 2025, the value is 9,812.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 12,210.00 Cr. (Jun 2025) to 9,812.00 Cr., marking a decrease of 2,398.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 2,904.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,192.00 Cr. (Jun 2025) to 2,904.00 Cr., marking an increase of 712.00 Cr..
- For OPM %, as of Sep 2025, the value is 23.00%. The value appears strong and on an upward trend. It has increased from 15.00% (Jun 2025) to 23.00%, marking an increase of 8.00%.
- For Other Income, as of Sep 2025, the value is 568.00 Cr.. The value appears strong and on an upward trend. It has increased from 51.00 Cr. (Jun 2025) to 568.00 Cr., marking an increase of 517.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 3,473.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,244.00 Cr. (Jun 2025) to 3,473.00 Cr., marking an increase of 1,229.00 Cr..
- For Tax %, as of Sep 2025, the value is 17.00%. The value appears to be improving (decreasing) as expected. It has decreased from 22.00% (Jun 2025) to 17.00%, marking a decrease of 5.00%.
- For Net Profit, as of Sep 2025, the value is 2,867.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,752.00 Cr. (Jun 2025) to 2,867.00 Cr., marking an increase of 1,115.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 16.34. The value appears strong and on an upward trend. It has increased from 9.99 (Jun 2025) to 16.34, marking an increase of 6.35.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:20 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 | 50,868 |
| 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 | 41,093 |
| 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 | 9,775 |
| OPM % | -10% | -12% | -10% | 12% | 9% | 6% | -4% | 7% | 6% | 15% | 16% | 17% | 19% |
| Other Income | 3,825 | 4,433 | 4,546 | -14 | -42 | 804 | 1,688 | -202 | 522 | 1,025 | 454 | 329 | 1,033 |
| 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 | 10,808 |
| 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 | 8,423 |
| 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 | 48.01 |
| 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: December 4, 2025, 1:16 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 430 | 430 | 430 | 430 | 439 | 877 | 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 | 61,698 |
| Borrowings | 0 | 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 | 136,037 |
| 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 | 198,613 |
| Fixed Assets | 118 | 142 | 175 | 164 | 171 | 197 | 181 | 169 | 170 | 294 | 287 | 288 | 295 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 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 | 145,260 |
| 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 | 53,058 |
| 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 | 198,613 |
Below is a detailed analysis of the balance sheet data for General Insurance Corporation of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 877.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 877.00 Cr..
- For Reserves, as of Sep 2025, the value is 61,698.00 Cr.. The value appears strong and on an upward trend. It has increased from 56,745.00 Cr. (Mar 2025) to 61,698.00 Cr., marking an increase of 4,953.00 Cr..
- For Borrowings, as of Sep 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 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 136,037.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 129,993.00 Cr. (Mar 2025) to 136,037.00 Cr., marking an increase of 6,044.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 198,613.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 187,616.00 Cr. (Mar 2025) to 198,613.00 Cr., marking an increase of 10,997.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 295.00 Cr.. The value appears strong and on an upward trend. It has increased from 288.00 Cr. (Mar 2025) to 295.00 Cr., marking an increase of 7.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 8.00 Cr..
- For Investments, as of Sep 2025, the value is 145,260.00 Cr.. The value appears strong and on an upward trend. It has increased from 138,074.00 Cr. (Mar 2025) to 145,260.00 Cr., marking an increase of 7,186.00 Cr..
- For Other Assets, as of Sep 2025, the value is 53,058.00 Cr.. The value appears strong and on an upward trend. It has increased from 49,247.00 Cr. (Mar 2025) to 53,058.00 Cr., marking an increase of 3,811.00 Cr..
- For Total Assets, as of Sep 2025, the value is 198,613.00 Cr.. The value appears strong and on an upward trend. It has increased from 187,616.00 Cr. (Mar 2025) to 198,613.00 Cr., marking an increase of 10,997.00 Cr..
Notably, the Reserves (61,698.00 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 |
|---|---|---|---|---|---|---|
| SBI PSU Fund | 4,150,000 | 2.79 | 160.69 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 3,971,873 | 1.2 | 153.79 | 3,721,873 | 2025-12-15 00:21:42 | 6.72% |
| ICICI Prudential Large & Mid Cap Fund | 3,170,971 | 0.46 | 122.78 | N/A | N/A | N/A |
| Bandhan Small Cap Fund | 2,685,934 | 0.57 | 104 | 2,300,000 | 2025-12-15 00:21:42 | 16.78% |
| ICICI Prudential Banking and Financial Services | 1,000,145 | 0.35 | 38.73 | 1,007,538 | 2025-12-15 00:21:42 | -0.73% |
| ICICI Prudential PSU Equity Fund | 986,607 | 1.98 | 38.2 | N/A | N/A | N/A |
| Mirae Asset Banking and Financial Services Fund | 588,088 | 1.02 | 22.77 | N/A | N/A | N/A |
| LIC MF Large & Mid Cap Fund | 399,121 | 0.49 | 15.45 | N/A | N/A | N/A |
| LIC MF Balanced Advantage Fund | 126,848 | 0.65 | 4.91 | 102,889 | 2025-12-15 00:21:42 | 23.29% |
| Mirae Asset Balanced Advantage Fund | 90,649 | 0.18 | 3.51 | N/A | N/A | N/A |
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.) | 39.83 | 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.) | 55.78 | 49.07 | 49.21 | 21.84 | 17.93 |
| PBIT / Share (Rs.) | 55.70 | 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 (%) | 19.72 | 18.93 | 18.27 | 7.72 | 6.47 |
| PBIT Margin (%) | 19.69 | 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 (%) | 11.00 | 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) (%) | 23.60 | 18.89 | 5.71 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 23.56 | 18.85 | 5.70 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 76.40 | 81.11 | 94.29 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 76.44 | 81.15 | 94.30 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 141.04 | 102.71 | 106.92 | 61.06 | 51.67 |
| Interest Coverage Ratio (Post Tax) (X) | 110.12 | 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) | 4.95 | 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 (%) | 76.39 | 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 39.83. This value is within the healthy range. It has increased from 37.16 (Mar 24) to 39.83, marking an increase of 2.67.
- 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 55.78. This value is within the healthy range. It has increased from 49.07 (Mar 24) to 55.78, marking an increase of 6.71.
- For PBIT / Share (Rs.), as of Mar 25, the value is 55.70. This value is within the healthy range. It has increased from 49.00 (Mar 24) to 55.70, marking an increase of 6.70.
- 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 19.72. This value is within the healthy range. It has increased from 18.93 (Mar 24) to 19.72, marking an increase of 0.79.
- For PBIT Margin (%), as of Mar 25, the value is 19.69. This value is within the healthy range. It has increased from 18.90 (Mar 24) to 19.69, marking an increase of 0.79.
- 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 11.00. This value is within the healthy range. It has increased from 10.03 (Mar 24) to 11.00, marking an increase of 0.97.
- 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 23.60. This value is within the healthy range. It has increased from 18.89 (Mar 24) to 23.60, marking an increase of 4.71.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 23.56. This value is within the healthy range. It has increased from 18.85 (Mar 24) to 23.56, marking an increase of 4.71.
- For Earning Retention Ratio (%), as of Mar 25, the value is 76.40. This value exceeds the healthy maximum of 70. It has decreased from 81.11 (Mar 24) to 76.40, marking a decrease of 4.71.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 76.44. This value exceeds the healthy maximum of 70. It has decreased from 81.15 (Mar 24) to 76.44, marking a decrease of 4.71.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 141.04. This value is within the healthy range. It has increased from 102.71 (Mar 24) to 141.04, marking an increase of 38.33.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 110.12. This value is within the healthy range. It has increased from 85.66 (Mar 24) to 110.12, marking an increase of 24.46.
- 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 4.95. This value is below the healthy minimum of 5. It has increased from 3.84 (Mar 24) to 4.95, marking an increase of 1.11.
- 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 76.39. This value exceeds the healthy maximum of 70. It has decreased from 81.10 (Mar 24) to 76.39, marking a decrease of 4.71.
- 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: 11% (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): 110.12
- 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: 7.91 (Industry average Stock P/E: 7.91)
- 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 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ramaswamy Narayanan | Chairman & Managing Director |
| Ms. B Jayashri | Executive Director |
| Mr. Hitesh Rameshchandra Joshi | Executive Director |
| Ms. Vinita Kumari | Independent Director |
| Mr. Ashwani Kumar | Independent Director |
| Mr. Manoj Muttathil Ayyappan | Government Nominee Director |
| Mr. Tapan Kumar Mondal | 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 04 January 2026) is ₹282.86 which is 25.56% lower the current market price of ₹380.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹66,588 Cr. market cap, FY2025-2026 high/low of ₹476/345, reserves of ₹61,698 Cr, and liabilities of ₹198,613 Cr.
What is the Market Cap of General Insurance Corporation of India?
The Market Cap of General Insurance Corporation of India is 66,588 Cr..
What is the current Stock Price of General Insurance Corporation of India as on 04 January 2026?
The current stock price of General Insurance Corporation of India as on 04 January 2026 is ₹380.
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 ₹476/345.
What is the Stock P/E of General Insurance Corporation of India?
The Stock P/E of General Insurance Corporation of India is 7.91.
What is the Book Value of General Insurance Corporation of India?
The Book Value of General Insurance Corporation of India is 357.
What is the Dividend Yield of General Insurance Corporation of India?
The Dividend Yield of General Insurance Corporation of India is 2.63 %.
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.