GODIGIT
Go Digit General Insurance Limited (GODIGIT) Stock Analysis
Go Digit General Insurance Limited is an Indian digital-first general insurer selling motor, health, and travel insurance online. It emphasizes app-based policy purchase and claims experience. The company targets tech-savvy retail customers. It is listed on Indian stock exchanges.
Financial Services › Insurance - Property & Casualty
₹286.40
+4.98% 1W | -18.90% 52W
Market Cap
26.5k CR
P/E Ratio
53.9
52W High
₹374
52W Low
₹231.7
Div. Yield
0%
Beta
0.2
50 DMA
₹258.8
200 DMA
₹300.1
Profit Margin
4.8%
Inst. Own.
16.8%
🚀 BREAKOUT
🚀 BREAKOUT
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 | 1,701 | 1,905 | 2,286 | 2,256 | 2,105 | 2,234 | 2,436 | 2,594 | 2,236 | 2,488 | 2,570 | 2,711 | 2,427 |
| Expenses | 1,643 | 1,877 | 2,243 | 2,672 | 2,004 | 2,145 | 2,318 | 2,804 | 2,077 | 2,353 | 2,408 | 3,008 | 2,313 |
| Operating Profit | 58 | 28 | 43 | -415 | 101 | 89 | 118 | -209 | 159 | 135 | 162 | -297 | 114 |
| OPM % | 3.4% | 1.4% | 1.9% | -18% | 4.8% | 4.0% | 4.9% | -8% | 7% | 5% | 6% | -11% | 4.7% |
| Other Income | 0 | 0 | 0 | 468 | 0 | 0 | 0 | 325 | 1 | 1 | 1 | 470 | 1 |
| 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 | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 | 115 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 14% | 14% | 14% | 13% | 25% |
| Net Profit | 58 | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 |
| EPS in Rs | 0.67 | 0.32 | 0.49 | 0.60 | 1.10 | 0.97 | 1.29 | 1.25 | 1.50 | 1.26 | 1.52 | 1.62 | 0.93 |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Sales | 2,252 | 3,841 | 5,885 | 8,147 | 9,370 | 10,005 | 10,196 |
| Expenses | 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,825 | 10,082 |
| Operating Profit | -114 | -283 | 50 | -269 | 120 | 180 | 114 |
| OPM % | -5% | -7% | 0.9% | -3.3% | 1.3% | 1.8% | 1.1% |
| Other Income | 0 | -0 | 0 | 468 | 325 | 472 | 472 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 9 | 12 | 15 | 18 | 20 | 21 | 0 |
| Profit before tax | -123 | -296 | 36 | 182 | 425 | 632 | 586 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 14% | |
| Net Profit | -123 | -296 | 36 | 182 | 425 | 544 | 492 |
| EPS in Rs | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 | 5.89 | 5.33 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 19.0% | 35.0% | – |
| Profit CAGR | 148.0% | 45.0% | – |
Shareholding Pattern
Promoters73.10%
FIIs8.28%
DIIs14.38%
Public4.24%
Promoters73.09%
FIIs8.48%
DIIs14.12%
Public4.31%
Promoters73.02%
FIIs8.26%
DIIs14.34%
Public4.38%
Promoters73.01%
FIIs8.01%
DIIs14.62%
Public4.35%
Promoters73.00%
FIIs8.23%
DIIs15.01%
Public3.77%
Promoters73.12%
FIIs7.86%
DIIs15.26%
Public3.76%
Promoters73.01%
FIIs8.01%
DIIs14.62%
Public4.35%
Promoters73.00%
FIIs8.23%
DIIs15.01%
Public3.77%
GODIGIT
Holdings Analysis
Key strengths & risk signals
81
Overall
85
Fundamental
77
Technical
Risks (3)
LOW MARGIN! 4.8% profit margin - thin profits.
WEAK YEAR! Stock declined 18.9% in the last year.
LOWER HALF! Trading at 38.4% of 52W range - weakness visible.
Strengths (4)
UNDERVALUED! PEG of 0.36 indicates stock is cheap relative to growth.
BREAKOUT! Stock has broken above resistance levels with momentum.
BULLISH SENTIMENT! In last 30 days: 18 up days, 12 down days. Avg volume on up days: 1,176,163 vs down days: 726,177. Ratio: 1.62x
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
Fundamental & Technical Analysis
81Overall
85Fundamental
77Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 20.8% (EXCELLENT, 15/15). Profit CAGR: 148.3% (EXCELLENT, 15/15).
Profit Margin
2/10
LOW MARGIN! 4.8% profit margin - thin profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.36 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.08 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 5.1% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (258.8) is below 200-day average (300.1) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (286.4) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 18.9% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 18 up days, 12 down days. Avg volume on up days: 1,176,163 vs down days: 726,177. Ratio: 1.62x
RSI
3/5
BULLISH! RSI at 68.3 - positive momentum.
52W Range
2/5
LOWER HALF! Trading at 38.4% of 52W range - weakness visible.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 5.0% (1 week), 14.2% (1 month), 1.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
GODIGIT
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q2FY262026-01-29 | Concall PDF | |
| Q4FY252026-05-06 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Property & Casualty · 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| GODIGIT | ₹286.40 | 53.9 | 4.8% | 20.8% | 148.3% | -18.9% | 81 | BREAKOUT | -37.5% | -42.2% | +8.5% | -10.5% |
| IIFL | ₹615.40 | 12.5 | 26.1% | 13.6% | 3.4% | +20.0% | 56 | HIT RESISTANCE | +189.2% | +15.0% | +30.1% | +4.7% |
| CDSL | ₹1,286.90 | 57.1 | 36.8% | 27.3% | 18.2% | -19.8% | 65 | BOUNCE FROM SUPPORT | +14.7% | +46.5% | +13.1% | +11.4% |
| BANDHANBNK | ₹167.50 | 20 | 13.6% | 5.0% | -17.7% | +5.4% | 53 | CONSOLIDATING DOWN | +34.9% | -6.1% | +1.2% | -1.2% |
| ANGELONE | ₹300.00 | 24.3 | 22.4% | 20.3% | 0.9% | +25.4% | 65 | APPROACHING RESISTANCE | +102.1% | -27.7% | +25.6% | -2.1% |
| CHOLAHLDNG | ₹1,360.00 | 9.6 | 11.9% | 28.0% | 23.7% | -26.8% | 63 | APPROACHING SUPPORT | +39.3% | +17.3% | +19.8% | +5.0% |
| CENTRALBK | ₹30.90 | 6.1 | 27.8% | 9.3% | 39.2% | -15.5% | 76 | APPROACHING RESISTANCE | +3.2% | +77.4% | -4.9% | -5.1% |
| ABSLAMC | ₹972.00 | 27.9 | 47.6% | 14.6% | 17.8% | +13.9% | 76 | CONSOLIDATING DOWN | +11.7% | +65.4% | +3.5% | +1.0% |
Data from TradeAlone · Updated daily
