GICRE
General Insurance Corporation of India (GICRE) Stock Analysis
General Insurance Corporation of India is the Indian national reinsurer providing reinsurance to general insurers. It assumes risk from domestic and international insurance markets. The company is a PSU central to India's insurance ecosystem. It is listed on Indian stock exchanges.
Financial Services › Insurance - Reinsurance
₹327.60
+4.78% 1W | -14.90% 52W
Market Cap
57.5k CR
P/E Ratio
6.5
52W High
₹417.9
52W Low
₹308
Div. Yield
4.06%
Beta
0.3
50 DMA
₹342.1
200 DMA
₹367.7
Profit Margin
16.8%
Inst. Own.
17.1%
📉 CONSOLIDATING DOWN
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11,166 | 13,075 | 11,148 | 10,254 | 12,886 | 12,378 | 11,144 | 13,209 | 14,623 | 12,755 | 12,589 | 13,018 | 14,401 |
| Expenses | 10,200 | 11,611 | 9,523 | 7,290 | 11,413 | 9,998 | 9,215 | 10,210 | 12,018 | 9,993 | 10,223 | 10,556 | 12,380 |
| Operating Profit | 966 | 1,465 | 1,625 | 2,964 | 1,473 | 2,380 | 1,929 | 2,998 | 2,605 | 2,762 | 2,366 | 2,463 | 2,021 |
| OPM % | 9% | 11% | 15% | 29% | 11% | 19% | 17% | 23% | 18% | 22% | 19% | 19% | 14% |
| Other Income | 187 | 391 | 195 | 131 | 17 | -93 | 255 | 146 | 59 | 553 | 135 | 645 | 171 |
| 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 | 1,154 | 1,855 | 1,820 | 3,096 | 1,490 | 2,287 | 2,184 | 3,144 | 2,664 | 3,315 | 2,501 | 3,108 | 2,192 |
| Tax % | 18% | 13% | 24% | 18% | 25% | 18% | 26% | 25% | 18% | 19% | 24% | 23% | 26% |
| Net Profit | 978 | 1,689 | 1,439 | 2,580 | 1,401 | 1,856 | 1,677 | 2,499 | 2,531 | 2,874 | 1,726 | 2,533 | 1,744 |
| EPS in Rs | 5.57 | 9.63 | 8.20 | 14.71 | 7.98 | 10.58 | 9.56 | 14.24 | 14.42 | 16.38 | 9.84 | 14.44 | 9.94 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 13,595 | 15,338 | 26,776 | 38,198 | 44,928 | 50,345 | 48,583 | 48,967 | 46,638 | 45,978 | 49,617 | 52,986 | 52,763 |
| Expenses | 15,160 | 16,851 | 27,561 | 39,900 | 41,204 | 52,445 | 45,510 | 45,816 | 39,709 | 38,506 | 40,822 | 42,923 | 43,152 |
| Operating Profit | -1,566 | -1,512 | -786 | -1,702 | 3,724 | -2,100 | 3,073 | 3,151 | 6,929 | 7,472 | 8,795 | 10,062 | 9,611 |
| OPM % | -12% | -10% | -2.9% | -4.5% | 8% | -4.2% | 6% | 6% | 15% | 16% | 18% | 19% | 18% |
| Other Income | 4,436 | 4,545 | 4,573 | 5,351 | 145 | 1,754 | 11 | 618 | 1,112 | 465 | 324 | 1,391 | 1,504 |
| Interest | 33 | 2 | 7 | 12 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 |
| Depreciation | 9 | 9 | 10 | 8 | 14 | 19 | 15 | 14 | 10 | 12 | 15 | 6 | 0 |
| Profit before tax | 2,829 | 3,021 | 3,770 | 3,630 | 3,854 | -366 | 3,069 | 3,755 | 8,031 | 7,925 | 9,105 | 11,447 | 11,115 |
| Tax % | 1% | 11% | 13% | 12% | 32% | -24% | 41% | 41% | 18% | 18% | 23% | 21% | |
| Net Profit | 2,891 | 2,823 | 3,672 | 3,146 | 2,758 | -186 | 1,992 | 2,386 | 6,907 | 6,686 | 7,432 | 9,662 | 8,875 |
| EPS in Rs | 16.81 | 16.42 | 21.35 | 17.93 | 15.72 | -1.06 | 11.35 | 13.60 | 39.37 | 38.11 | 42.36 | 55.08 | 50.60 |
| Dividend Payout % | 11% | 19% | 27% | 38% | 43% | 0% | 0% | 17% | 18% | 26% | 24% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 4.0% | 2.0% | 13.0% |
| Profit CAGR | 12.0% | 37.0% | 20.0% |
Shareholding Pattern
Promoters82.40%
FIIs2.12%
DIIs13.29%
Public2.19%
Promoters82.40%
FIIs2.12%
DIIs13.10%
Public2.40%
Promoters82.40%
FIIs2.12%
DIIs13.32%
Public2.16%
Promoters82.40%
FIIs2.05%
DIIs13.55%
Public2.00%
Promoters77.40%
FIIs2.43%
DIIs17.73%
Public2.45%
Promoters85.78%
FIIs0.67%
DIIs11.02%
Public2.53%
Promoters85.78%
FIIs0.87%
DIIs11.06%
Public2.30%
Promoters82.40%
FIIs1.93%
DIIs13.68%
Public2.00%
Promoters82.40%
FIIs2.05%
DIIs13.55%
Public2.00%
Promoters77.40%
FIIs2.43%
DIIs17.73%
Public2.45%
GICRE
Holdings Analysis
Key strengths & risk signals
63
Overall
71
Fundamental
55
Technical
Risks (4)
VERY HIGH DEBT! D/E of 2.07 - significant risk.
WEAK POSITION! Current price (327.6) is below both moving averages.
WEAK YEAR! Stock declined 14.9% in the last year.
WEAK! Trading at 17.8% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.55 indicates stock is cheap relative to growth.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 994,599 vs down days: 694,324. Ratio: 1.43x
NEUTRAL! RSI at 47.9 - balanced momentum.
Fundamental & Technical Analysis
63Overall
71Fundamental
55Technical
Fundamental Breakdown
Growth Quality
16/30
Revenue CAGR: 4.3% (SLOW, 5/15). Profit CAGR: 11.8% (GOOD, 11/15).
Profit Margin
6/10
GOOD EFFICIENCY! 16.8% profit margin - above average profitability.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.55 indicates stock is cheap relative to growth.
Dividend Yield
9/10
VERY GOOD DIVIDEND! 4.06% yield - strong income generator.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.07 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 2.42% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (342.1) is below 200-day average (367.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (327.6) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
2/10
WEAK YEAR! Stock declined 14.9% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 994,599 vs down days: 694,324. Ratio: 1.43x
RSI
3/5
NEUTRAL! RSI at 47.9 - balanced momentum.
52W Range
1/5
WEAK! Trading at 17.8% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 4.8% (1 week), -3.0% (1 month), -9.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
GICRE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-06-08 | Concall PDF | |
| Q3FY262026-02-16 | Concall PDF | |
| Q2FY262025-11-21 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Reinsurance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| GICRE | ₹327.60 | 6.5 | 16.8% | 4.3% | 11.8% | -14.9% | 63 | CONSOLIDATING DOWN | -31.1% | -31.1% | -1.0% | +7.5% |
| RBLBANK | ₹378.20 | 27.3 | 14.1% | 12.2% | -1.5% | +24.9% | 52 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| IOB | ₹31.00 | 10.1 | 36.6% | 14.2% | 37.1% | -22.7% | 60 | CONSOLIDATION | +45.6% | +10.3% | +38.3% | +22.8% |
| YESBANK | ₹17.50 | 14.7 | 23.2% | 25.3% | 68.4% | -21.6% | 60 | BREAKDOWN | +32.6% | -1.0% | +11.0% | +4.7% |
| BANKINDIA | ₹132.40 | 5.1 | 35.0% | 7.3% | 39.0% | +5.9% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| MAHABANK | ₹79.80 | 8.2 | 53.4% | 15.6% | 39.1% | +39.1% | 83 | BOUNCE FROM SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
Data from TradeAlone · Updated daily
GICRE News
General Insurance Corporation of India (NSE: GICRE) breaks below support, moves down 7% intraday2026-06-17General Insurance Corporation of India (NSE: GICRE) breaks below support, falls 7% intraday2026-06-16General Insurance Corporation of India (GICRE) breaks below support, falls 5% intraday2026-06-16General Insurance Corporation of India (GICRE) falls 5% intraday, trendline shifts to breakdown2026-06-16
