Go Digit General Insurance Ltd
Ticker: GODIGIT
Decent
56/100
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Investing Reference
Price
358.65
Market Cap
33115.88
Debt/Equity
0.0811
ROE %
12.084
PB
7.6769
Promoter %
73.093
Pledge %
0.000
1Y Rev Growth %
12.538
5Y Rev Growth %
NP Margin %
4.383
NP Margin 5Y Avg %
-1.212
Trading Reference
1M Return %
5.695
6M Return %
25.380
1Y Return %
8.616
% Away 52W High
6.343
% Away 52W Low
35.544
Daily Volume
836809
Investment Verdict
Risky
Score 51/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Watch
Score 67/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Go Digit General Insurance Ltd shows strong growth potential in the Indian insurance market.
✅ Positives
- Rapid premium growth in digital insurance
- Strong brand recognition among millennials
- Innovative product offerings and customer service
⚠️ Negatives
- High competition in the insurance sector
- Regulatory challenges impacting profitability
- Dependence on technology infrastructure
Verdict
Growth potential outweighs current risks.
Recommendation: Consider buying for long-term gains.
Upside Probability: 30% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
Go Digit General Insurance Ltd is a leading digital insurance provider in India, focused on simplifying the insurance experience for individuals and businesses. Catering to a wide audience, from first-time buyers to seasoned policyholders, Digit offers a range of innovative insurance products. Their customer-centric approach and technology-driven solutions ensure hassle-free claims and policy management, making insurance accessible and transparent. As a trusted player in the market, Go Digit is committed to delivering value and peace of mind to its customers.
- Digital-first insurance solutions
- Quick and easy claims process
- Wide range of insurance products
- Customer-centric approach
- Transparent and accessible policies
Investment Thesis
Go Digit General Insurance Ltd stands out as a compelling investment opportunity due to its robust promoter credibility, significant growth potential in digital insurance services, and attractive valuation compared to its peers. The company is well-positioned to capitalize on the evolving insurance landscape in India.
- Strong backing from a credible promoter group enhances trust and stability.
- Rapid growth in digital insurance services aligns with changing consumer preferences.
- Attractive valuation metrics provide a favorable entry point for investors.
- Innovative product offerings cater to a diverse customer base, driving market penetration.
- Positive regulatory environment supports expansion and growth in the insurance sector.
Opportunity vs Risk
Opportunities
- Growing insurance market in India
- Strong digital platform adoption
- Rising awareness for health insurance
- Potential for strategic partnerships
Risks ⚠️
- High competition in insurance sector
- Regulatory changes impacting operations
- Dependence on technology infrastructure
- Economic downturn affecting premiums
Peer Perspective
Go Digit General Insurance Ltd trades at a premium to peers like HDFC ERGO and ICICI Lombard, reflecting higher growth expectations. A sustained improvement in underwriting margins could trigger a rerating in its valuation.
Future Outlook
Go Digit General Insurance Ltd is well-positioned for growth, leveraging its innovative technology and customer-centric approach. However, successful execution and effective cost control will be crucial to sustain profitability in a competitive landscape.
AI FAQs for Retail Users
- Q: What does Go Digit General Insurance Ltd do?A: Go Digit provides a range of general insurance products, focusing on digital solutions for customers.
- Q: Is Go Digit a profitable company?A: As of now, Go Digit is working towards profitability, with ongoing investments in growth and technology.
- Q: What are the main risks of investing in Go Digit?A: Risks include market competition, regulatory changes, and the overall performance of the insurance sector.
- Q: How can I invest in Go Digit shares?A: You can invest through a brokerage account or trading platform that offers access to Indian stock markets.
- Q: What should I consider before investing in Go Digit?A: Consider the company's financial health, market position, and your own investment goals and risk tolerance.
📊 Stock Investment Checklist (100 Points)
Go Digit General Insurance Ltd • Updated: 2025-09-18 00:27:56
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10BusinessHighInsurance sector is growing with digital adoption, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profitability is still developing.
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8ProfitabilityHighROE and ROCE are below industry averages; cash flow needs improvement.
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10ValuationHighValuation metrics are in line with peers, but growth expectations are high.
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7BalanceHighModerate debt levels, but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but transparency in disclosures can improve.
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5DriversGoodGrowth drivers are present, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed; liquidity is moderate.
Final Score & Verdict
Score 56 / 100
• Decent
Go Digit General Insurance Ltd shows potential for growth in a digital-first insurance market, but faces challenges in profitability and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 75/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 70/100