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Digital-first Indian general insurer selling motor, health and travel insurance through app-based, tech-driven underwriting.
Digital-first Indian general insurer selling motor, health and travel insurance through app-based, tech-driven underwriting.
Earns premiums on motor, health and other cover, sold through online platforms, agents and partners, and invests the premiums before claims are paid, so underwriting results and investment income both count. Fairfax, the Canadian insurance investor, is a major shareholder, and the company listed in 2024.
In one line: India's tech-led motor/health insurer.
Moat: narrow (data, brand). Tech-led claims and underwriting plus a well-known backed brand, in a crowded market.
Headquarters: Bengaluru, India · Founded: 2016 · Employees: 4,752
Size Go Digit General Insurance (GODIGIT.NS) is an India Financials company (Multi-Line Insurance) with a market value of $2.44B, the 329th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹249.10 on 6 Nov 2026.
Performance Over six months the shares fell 21.0%, against +4.4% for the median peer and 0.0% for the India market (cap-weighted) — 2nd lowest of 21 in its peer set.
Growth Revenue grew 8.6% over the last twelve months (peer median +12.7%); the operating margin is 5.5% (peer median 12.8%).
Valuation It trades at 4.91× book value against a peer median of 1.14× (2nd most expensive of 21).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹107B | ₹105B | ₹96.9B | ₹86.2B | ₹58.9B |
| Revenue growth | — | +8% | +13% | +46% | — |
| Net income | ₹4.92B | ₹5.44B | ₹4.25B | ₹1.82B | ₹355M |
| Free cash flow | n/a | ₹20.1B | ₹15.9B | ₹17.0B | ₹22.3B |
| Capital expenditure | n/a | ₹172M | ₹178M | ₹166M | ₹207M |
| Total debt | n/a | ₹3.50B | ₹3.50B | ₹3.50B | ₹0 |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Go Digit General Insurance GODIGIT.NS | $2.44B | -21% | +9% | 12% | 4.91× | 37.4% |
| ICICI Lombard General Insurance ICICIGI.NS | $8.80B | -11% | +14% | 15% | 4.38× | 53.9% |
| New India Assurance NIACL.NS | $2.74B | -5% | +9% | -1% | 0.62× | 14.0% |
| Star Health & Allied Insurance STARHEALTH.NS | $3.52B | +9% | +21% | 12% | 3.19× | 47.7% |
| Niva Bupa Health Insurance NIVABUPA.NS | $1.49B | -5% | +58% | 14% | 3.66× | 33.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | GODIGIT.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -5.9% | +2.9% | 4th lowest of 21 |
| 6-month return | -21.0% | +4.4% | 2nd lowest of 21 |
| Return on equity | 11.7% | 11.4% | 11th highest of 21 |
| Price / book | 4.91× | 1.14× | 2nd most expensive of 21 |
| Trailing P/E | 46.9× | 11.3× | 2nd most expensive of 19 |
| ROE the price implies | 37.4% | 8.0% | 2nd most demanding of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Go Digit General Insurance GODIGIT.NS | India | $2.44B | -21% | +9% | 12% | 4.91× | 37.4% | n/a |
| Pelagos Insurance Capital PLGO | United States | $2.29B | +33% | -4% | 18% | 1.03× | 6.5% | 17.6% |
| NIB NHF.AX | Australia | $2.29B | +4% | +5% | 17% | 2.90× | 13.2% | 16.6% |
| Seoul Guarantee Insurance 031210.KS | South Korea | $2.26B | -8% | +14% | 6% | 0.61× | 4.5% | 6.0% |
| Vaudoise Assurances VAHN.SW | Switzerland | $2.66B | -8% | +14% | 6% | 0.78× | n/a | 5.9% |
| Skyward Specialty Insurance SKWD | United States | $2.68B | +29% | +38% | 17% | 2.11× | 10.2% | 17.3% |
| New India Assurance NIACL.NS | India | $2.74B | -5% | +9% | -1% | 0.62× | 14.0% | -1.3% |
| Zhongan Online P&C Insurance 6060.HK | Hong Kong | $2.06B | -19% | +16% | 8% | 0.54× | 8.0% | 8.2% |
| Lemonade LMND | United States | $3.06B | -28% | +77% | -27% | 6.12× | 75.0% | -27.0% |
| F&G Annuities & Life FG | United States | $3.06B | -17% | +14% | 9% | 0.66× | 8.4% | 9.2% |
| Genworth Financial GNW | United States | $3.29B | -5% | -1% | 2% | 0.38× | 5.3% | 2.3% |
| Korean Reinsurance 003690.KS | South Korea | $1.74B | +8% | -2% | 14% | 0.73× | 4.8% | 14.4% |
| Hamilton Insurance HG | United States | $3.64B | +20% | +20% | 19% | 1.24× | 8.0% | 19.0% |
| Alm. Brand A/S ALMB.CO | Denmark | $3.70B | +16% | +3% | 9% | 2.19× | 7.3% | 8.8% |
| Trupanion TRUP | United States | $1.61B | +49% | +12% | 6% | 3.94× | 35.3% | 6.1% |
| Linea Directa Aseguradora LDA.MC | Spain | $1.48B | +3% | +10% | 23% | 3.07× | 11.7% | 23.3% |
| Wuestenrot & Wuerttembergische WUW.DE | Germany | $1.39B | -6% | +4% | 3% | 0.25× | 3.6% | 2.7% |
| CNO Financial CNO | United States | $5.09B | +20% | +2% | 17% | 2.19× | 16.0% | 16.9% |
| Central Reinsurance 2851.TW | Taiwan | $1.12B | +52% | +21% | 37% | 1.41× | 5.1% | 37.4% |
| Bowhead Specialty BOW | United States | $1.12B | +26% | +24% | 14% | 2.48× | 11.3% | 13.6% |
| White Mountains Insurance WTM | United States | $5.35B | +5% | +21% | 22% | 0.99× | 6.3% | 21.9% |