Go Digit General Insurance Ltd (Finance - Insurance) — fundamental analysis, earnings data, and key metrics. PE: 57.7. ROE: 11.9%. This stock is not currently in the Nifty 500 momentum outperformers list.
Based on Q3 FY26 (Dec 2025) earnings • Updated Mar 14, 2026
What: Strategic reinsurance of electric two-wheeler risks driving combined ratio improvement to 105% from 106.2% YoY
Impact: +₹15 Cr revenue
“Management: 'Quarter 3 under IFRS basis, the combined ratio is 105, which last year in the same quarter was 106.2. So there is an improvement of 1.2%'”
What: Two-wheeler segment growth driving premium while reinsurance mitigates profitability impact
Impact: +₹30 Cr revenue
“CFO: 'If you look at just two-wheeler impact, the growth in two-wheeler impact compared to previous quarter, this is impacting our profit by roughly about Rs. 80 crores'”
What: Industry-leading expense ratio providing operating leverage as premium grows
Impact: +₹20 Cr revenue
“Management: 'digitization in maintaining industry-leading management expenses at 7% of GWP'”
Earnings deceleration risks from management commentary
Trigger: Continued rapid growth without margin improvement
Impact: -390 bps margin impact
Management view: CFO: 'growth in two-wheeler impact compared to previous quarter, this is impacting our profit by roughly about Rs. 80 crores'.
Monitor: Two-wheeler COR trend
Trigger: Failure to reverse health business decline
Impact: -200 bps margin impact
Management view: Management: 'In case of health travel and PAs minus 31% on a quarter-by-quarter basis'
Monitor: Health business growth rate
Trigger: FY27 tax rate implementation
Impact: -1100 bps margin impact
Management view: Management: 'expects a tax rate of 14% for the next quarter, moving to 25% from the next financial year'
Monitor: Effective tax rate
Key quotes from recent conference calls
“Quarter 3 under IFRS basis, the combined ratio is 105, which last year in the same quarter was 106.2. So there is an improvement of 1.2%. — Kamesh Goyal”
“If you look at just two-wheeler impact, the growth in two-wheeler impact compared to previous quarter, this is impacting our profit by roughly about Rs. 80 crores. — Kamesh Goyal”
“The mix has substantially changed. So it has moved more towards motor which is retail business and the proportion of group health or government health which comes at a very very low EoM has actually reduced. — Management”
“The company now has no accumulated losses and expects a tax rate of 14% for the next quarter, moving to 25% from the next financial year. — Management”
Forward-looking targets from management for FY27
Revenue Growth Target
15%
Implied PAT Growth
8%
OPM Guidance
5%
Key Milestones
• Combined ratio improvement to sub-105%
• Two-wheeler profitability stabilization
• Health business recovery
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Mar 14, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Go Digit General Insurance Ltd's latest quarterly results (Dec 2025) show
Go Digit General Insurance Ltd's current PE ratio is 57.7x.
Go Digit General Insurance Ltd's price-to-book ratio is 6.4x.
Go Digit General Insurance Ltd's fundamental strength based on key financial ratios
Go Digit General Insurance Ltd has a debt-to-equity ratio of N/A.
Go Digit General Insurance Ltd's return ratios over recent years
Go Digit General Insurance Ltd's operating cash flow is positive (FY2025).
Go Digit General Insurance Ltd currently does not pay a significant dividend (yield 0.00%).
Go Digit General Insurance Ltd's shareholding pattern (Dec 2025)
Go Digit General Insurance Ltd's promoter holding has decreased recently.
Go Digit General Insurance Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
Go Digit General Insurance Ltd has 3 key growth catalysts identified from recent earnings analysis
Go Digit General Insurance Ltd has 3 key risks worth monitoring
In Q3 FY26 (Dec 2025), Go Digit General Insurance Ltd's management highlighted
Go Digit General Insurance Ltd's management has provided the following forward guidance for FY27
Based on quantitative research signals, here is why Go Digit General Insurance Ltd may be worth studying
Go Digit General Insurance Ltd investment thesis summary:
Go Digit General Insurance Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
