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
₹241.80
-3.84% 1W | -32.90% 52W
Market Cap
22.4k CR
P/E Ratio
45.5
52W High
₹381.4
52W Low
₹235.8
Div. Yield
0%
Beta
0.2
50 DMA
₹263.9
200 DMA
₹307.8
Profit Margin
4.8%
Inst. Own.
17.8%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
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
71
Overall
85
Fundamental
58
Technical
Risks (4)
LOW MARGIN! 4.8% profit margin - thin profits.
POOR YEAR! Stock declined 32.9% in the last year.
WEAK POSITION! Current price (241.8) is below both moving averages.
WEAK! Trading at 4.1% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.31 indicates stock is cheap relative to growth.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,005,832 vs down days: 402,233. Ratio: 2.5x
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 36.1 - watch for reversal.
Fundamental & Technical Analysis
71Overall
85Fundamental
58Technical
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 0.31 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 (263.9) is below 200-day average (307.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (241.8) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
0/10
POOR YEAR! Stock declined 32.9% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,005,832 vs down days: 402,233. Ratio: 2.5x
RSI
4/5
APPROACHING OVERSOLD! RSI at 36.1 - watch for reversal.
52W Range
1/5
WEAK! Trading at 4.1% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.8% (1 week), 5.1% (1 month), 23.5% (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 | ₹241.80 | 45.5 | 4.8% | 20.8% | 148.3% | -32.9% | 71 | APPROACHING SUPPORT | -37.5% | -42.2% | +8.5% | -10.5% |
| CUB | ₹227.20 | 16.1 | 37.8% | 9.1% | 12.3% | +53.4% | 77 | APPROACHING SUPPORT | +25.1% | +6.4% | +22.4% | -1.2% |
| CREDITACC | ₹1,357.90 | 18 | 39.8% | 20.9% | -2.0% | +2.2% | 62 | HIT RESISTANCE | +719.6% | +45.3% | +23.6% | +11.1% |
| IFCI | ₹75.90 | 115.1 | 12.7% | 11.5% | – | +33.6% | 63 | BREAKDOWN | -16.0% | +153.8% | -28.5% | -34.4% |
| AADHARHFC | ₹457.90 | 17.8 | 48.2% | 21.7% | 26.2% | -13.8% | 72 | BREAKDOWN | +19.0% | -9.2% | +15.6% | +2.9% |
| CGCL | ₹267.10 | 22.7 | 35.0% | 49.7% | 66.8% | +40.1% | 90 | BREAKOUT | +102.1% | +25.0% | +56.8% | +11.7% |
| IIFL | ₹617.50 | 12.6 | 24.2% | 13.6% | 3.4% | +33.1% | 60 | BREAKDOWN | +189.2% | +15.0% | +30.1% | +4.7% |
| ANGELONE | ₹295.10 | 26.7 | 20.7% | 20.3% | 0.9% | +34.3% | 65 | BREAKOUT | +102.1% | -27.7% | +25.6% | -2.1% |
Data from TradeAlone · Updated daily
