General Insurance Corporation of India
Ticker: GICRE
Decent
66/100
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Investing Reference
Price
382.65
Market Cap
67132.12
Debt/Equity
0.0000
ROE %
12.731
PB
1.0916
Promoter %
82.397
Pledge %
0.000
1Y Rev Growth %
7.532
5Y Rev Growth %
-0.842
NP Margin %
14.881
NP Margin 5Y Avg %
10.531
Trading Reference
1M Return %
1.878
6M Return %
-7.079
1Y Return %
-3.322
% Away 52W High
37.332
% Away 52W Low
10.274
Daily Volume
496554
Investment Verdict
Buy
Score 75/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 18/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
General Insurance Corporation of India is likely to experience moderate upside potential in the medium-term, supported by recent price action above key moving averages and a strong volume trend. However, it faces resistance levels that could limit significant gains.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
General Insurance Corporation of India (GIC Re) is the leading reinsurance company in India, providing a wide range of insurance solutions to protect businesses and individuals. It plays a crucial role in stabilizing the insurance market and enhancing financial security for policyholders. GIC Re's expertise and strong market presence make it a trusted partner for insurers across the country, ensuring that claims are met and risks are managed effectively.
- Market leader in Indian reinsurance
- Supports insurers with financial stability
- Wide range of insurance products
- Enhances risk management capabilities
- Trusted by businesses and individuals
Investment Thesis
General Insurance Corporation of India stands out due to its strong promoter backing and credibility, positioning it as a reliable investment. The company's focus on digital services is set to drive growth, while its attractive valuation compared to peers presents a compelling opportunity for investors.
- Strong promoter group with a solid reputation enhances trust and stability.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Established market presence ensures competitive advantage in the insurance sector.
- Robust financials and consistent performance make it a reliable investment choice.
Opportunity vs Risk
Opportunities
- Growing insurance penetration in India
- Strong market position in reinsurance
- Government support for insurance sector
- Rising awareness of health insurance
- Potential for digital transformation
Risks ⚠️
- High competition in insurance market
- Regulatory changes impacting profitability
- Natural disasters affecting claims
- Economic slowdown reducing demand
- Investment portfolio volatility risks
Peer Perspective
General Insurance Corporation of India trades at a discount to peers like HDFC ERGO and ICICI Lombard, primarily due to margin pressures; a focus on improving underwriting discipline could trigger a rerating in the future.
Future Outlook
General Insurance Corporation of India is well-positioned for growth, driven by increasing demand for insurance products. However, successful execution and effective cost control will be crucial to achieving sustainable profitability in the evolving market.
AI FAQs for Retail Users
- Q: What does General Insurance Corporation of India do?A: It provides various insurance products, including life, health, and property insurance.
- Q: Is General Insurance Corporation of India a good investment?A: Investing depends on individual financial goals and market conditions. Research is recommended.
- Q: How is the company's financial health?A: Review recent financial statements and reports for insights on profitability and stability.
- Q: What are the risks of investing in this stock?A: Market fluctuations, regulatory changes, and competition can impact the stock's performance.
- Q: How can I buy shares of General Insurance Corporation of India?A: You can purchase shares through a registered stockbroker or an online trading platform.
📊 Stock Investment Checklist (100 Points)
General Insurance Corporation of India • Updated: 2025-09-16 21:00:39
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10BusinessHighThe insurance sector is evolving with digital transformation, but GIC faces competition.
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10GrowthHighModerate revenue growth observed, but profit growth has been inconsistent.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating profitability concerns.
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8ValuationHighP/E ratio is higher than peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are average.
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6GovernanceGoodPromoter holding is stable, but disclosures could be improved.
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5DriversGoodGrowth drivers are limited, with execution risks in new initiatives.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
GIC has a decent standing in the market, but faces challenges in profitability and growth consistency.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 70/100