Go Digit General Insurance Ltd.
NSE: GODIGITGo Digit General Insurance Ltd.: A 30-second snapshot
Go Digit General Insurance (GODIGIT) trades at 314.35, below both its 50-DMA (324.11) and 200-DMA (342.34), and 17.6% off its 52-week high, despite reporting FY26 gross written premium of 11300 Cr and pre-tax profit growth of 48.7% for the full year. The trailing PE of 53.2x compresses to a forward PE of 32.3x if consensus earnings estimates hold, reflecting the market's expectation of continued rapid profit growth from a base of 5.2% net profit margins.
P/E
53.2
Forward P/E
32.3
ROE
+11.7%
Debt / Equity
7.47
Profit Margin
+5.2%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
60/100
News
6 headlines · 4 positive · 0 negative
Go Digit FY26 Results: PAT ₹179 Cr, GWP ₹11,300 Cr, ROE 17.7% - scanx.trade
scanx.trade
Go Digit Q4FY26 Results: PBT Surges 49% to ₹173 Cr, FY26 Up 48.7% - scanx.trade
scanx.trade
Go Digit General Insurance Receives Stock Exchange Approval for Amalgamation Scheme - scanx.trade
scanx.trade
Digit Insurance Settles 1 Million Claims and Showcases Faster Service in Transparency Report 14.0 - TipRanks
TipRanks
Go Digit General Insurance Limited Appoints Ajaysinh Bharatsinh Jadeja as the Chief Legal Claims and Investigation Officer, Effective April 28, 2026 - marketscreener.com
marketscreener.com
Recent context
- ·FY26 full-year results (reported May 2026): GWP of 11300 Cr, PAT of 179 Cr, ROE of 17.7% — the company reported its strongest annual profitability since listing, with PBT growing 48.7% for the full year.
- ·Stock exchange approval for the amalgamation scheme (April 2026) clears a key structural milestone; the transaction will alter the consolidated entity and may affect historical period-over-period comparability of reported financials.
- ·Digit Insurance crossed 1 million claims settled and published Transparency Report 14.0, highlighting claims settlement speed as a differentiator — a metric relevant to renewal retention and combined ratio trends.
Strengths
- +5-year revenue CAGR of 22.6% and earnings CAGR of 28.9% indicate sustained top- and bottom-line expansion since listing, with FY26 gross written premium reaching 11300 Cr.
- +FCF was positive in 4 of the available fiscal years, suggesting the insurance operations are generating cash despite the high-growth reinvestment phase.
- +Forward PE of 32.3x represents a 39% compression from the trailing PE of 53.2x, reflecting consensus expectations of significant near-term earnings improvement — FY26 PBT grew 49% YoY to 173 Cr in Q4 alone.
- +Stock exchange approval secured for the amalgamation scheme, removing a regulatory uncertainty and providing corporate-structure clarity for the combined entity.
Weaknesses
- −Trailing ROE of 11.71% has not exceeded 15% in any recorded fiscal year, indicating that historical capital efficiency has been modest relative to the premium placed on growth; the recent FY26 ROE of 17.7% cited in results is not yet reflected in multi-year persistence metrics.
- −Price sits below the 50-DMA (324.11) and 200-DMA (342.34), with a 3-month change of -0.54% against a 52-week high drawdown of 17.6% — the price trend has not confirmed the improvement in operating results.
- −Quality score of 40 out of 100 and a profit margin of 5.2% position GODIGIT at the lower end of its classified peer group, and a D/E of 7.47 — common for insurers but elevated relative to non-financial benchmarks — amplifies earnings sensitivity.
- −Sector peer group as classified includes large banking names (AXISBANK, HDFCBANK) rather than pure-play general insurance comparators, making all peer-relative rankings (PE: 5th of 6, ROE: 5th of 6, quality score: 4th of 6) structurally misleading.
Open questions
- ?Does the FY26 ROE of 17.7% reflect a sustainable improvement in underwriting discipline and investment income, or is it partly driven by one-off factors such as lower-than-average claims in specific product lines?
- ?How does GODIGITs combined ratio trend over the past 4 years compare to listed peers in the general insurance segment (not the banking peers used in the current classification), and what does that imply for margin durability at scale?
- ?The forward PE of 32.3x implies significant earnings growth priced in — what are the specific assumptions around loss ratios, GWP growth, and investment yield that would need to hold for the forward multiple to be justified?
- ?The amalgamation scheme introduces structural change to the consolidated entity — how might the post-merger financials differ from the standalone history used in the current quality and persistence scores?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| GODIGIT | Go Digit General Insurance Ltd.You're viewing | 53.2 | +11.7% | 40 |
| Industry avg | across 5 peers | 32.6 | +14.2% | 38 |
| BAJFINANCE | Bajaj Finance Ltd. | 30.7 | +17.9% | 51 |
| AXISBANK | Axis Bank Ltd. | 15.1 | +13.2% | 50 |
| HDFCBANK | HDFC Bank Ltd. | 17.0 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 30.0 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 70.0 | +11.3% | 20 |
Technical state
Current price
₹314.35
SMA 50
₹324.11
SMA 200
₹342.34
RSI (14)
46.4 (neutral)
From 52w high
-17.6%
1Y return
+8.2%
3M return
-0.5%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumTrailing ROE of 11.71% has never exceeded 15% in the available history (0 of recorded years), though FY26 results headlines cite ROE of 17.7% — suggesting the long-run average lags recent performance and consistency is yet to be established over a full cycle.
- mediumPrice of 314.35 sits below both the 50-DMA (324.11) and 200-DMA (342.34), and is 17.6% below the 52-week high. The stock has underperformed its own recent trend on a 3-month basis (-0.54%).
- mediumSector classification places GODIGIT (general insurer) alongside banking peers (AXISBANK, HDFCBANK, BAJFINANCE). Peer-relative rankings — PE rank 5th, ROE rank 5th, quality score rank 4th of 6 — reflect this misalignment and should be interpreted with caution rather than as a direct competitive signal.
- lowQuality score of 40 out of 100 is below the peer-group median. Profit margin of 5.2% and ROE of 11.71% are modest for a high-growth insurer with a trailing PE of 53.2x, creating valuation sensitivity to any earnings growth deceleration.
- lowNews sample is sparse at 6 articles, limiting confidence in the sentiment reading. The amalgamation scheme approval introduces corporate-structure change that may affect near-term comparability of financials.
Cross-section contradictions
- FY26 results (GWP 11300 Cr, PBT +49% YoY, ROE 17.7%) represent materially strong operating performance, yet the stock trades 17.6% below its 52-week high and below both key moving averages — a divergence between improving fundamentals and price trend that has not yet resolved.
- 5-year earnings CAGR of 28.9% and forward PE compressing to 32.3x from a trailing 53.2x suggest the market is pricing in continued high growth, yet the trailing ROE has never exceeded 15% in recorded history — raising the question of whether recent ROE improvement is durable or transient.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 24 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 May 2026 · rotates through NIFTY 500 every ~5 days