Go Digit General Insurance Ltd
Ticker: GODIGIT
Decent
56/100
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Investing Reference
Price
360.30
Market Cap
33266.39
Debt/Equity
0.0811
ROE %
12.084
PB
7.7118
Promoter %
73.099
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 %
0.672
6M Return %
24.585
1Y Return %
-2.013
% Away 52W High
5.856
% Away 52W Low
36.168
Daily Volume
321322
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 55/100 · 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.
AI Probability Statement
Probability Statement
Go Digit General Insurance Ltd is likely to experience moderate upside potential in the medium-term, with key support levels holding firm. If the stock can break through resistance at recent highs, it may rally further. However, downside risks remain if it fails to maintain support, particularly around the 50-day EMA, which could lead to a pullback.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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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