Go Digit General Insurance Reports Strong Growth in Q4 PBT; FY 2026 Profit Jumps Significantly
Go Digit General Insurance Limited has announced its financial performance review for the quarter and financial year ended March 31, 2026, showcasing substantial growth across key profit metrics. The company reported that its Profit Before Tax (PBT) for the fourth quarter (Q4) of FY 2026 jumped by 49%, while the full fiscal year (FY) 2026 PBT also showed notable increases.The company released the investor presentation detailing its performance for the period ending March 31, 2026.
Key Financial Performance Metrics
The financial results highlight robust growth in the insurance premium base and profitability for the fiscal year 2026 compared to the previous year.Key metrics for the respective financial years are presented below:
| Metric | FY 2025 (₹ Crore) | FY 2026 (₹ Crore) | Q4 FY 25 (₹ Crore) | Q4 FY 26 (₹ Crore) |
|---|---|---|---|---|
| Gross Direct Premium with 1/n | 8,472 | 9,846 | 1,981 | 2,402 |
| Gross Direct Premium with 1/n | 10,282 | 11,294 | 2,576 | 2,736 |
| Net Earned Premium | 8,046 | 8,414 | 2,247 | 2,301 |
| Profit before Tax (only with DAC) | 689 | 1,021 | 142 | 239 |
| Profit after Tax (only with DAC) | 516 | 764 | 106 | 179 |
| Net-worth (Equity) | 7,099 | 7,610 | 7,099 | 7,610 |
Detailed Annual & Quarterly Analysis
In comparing the full-year results, the company saw its Gross Written Premium (GWP) grow from ₹10,282 Crore in FY 2025 to ₹11,294 Crore in FY 2026. The Net Earned Premium also increased from ₹8,046 Crore in FY 2025 to ₹8,414 Crore in FY 2026.Key Performance Indicators (KPIs)
The overall key performance indicators for FY 2026 indicate improved ratios:| KPI | FY 2025 | FY 2026 | Q4 2025 | Q4 2026 |
|---|---|---|---|---|
| Net retention Ratio (%) | 80.1 | 73.7 | 78.9 | 77.2 |
| Loss Ratio (%) | 72.8 | 72.9 | 76.5 | 75.2 |
| Solvency Ratio | 2.24 | 2.42 | 2.24 | 2.42 |
Comparison of Financial Ratios
A detailed look at the profitability ratios shows significant increases year-on-year:| Ratio | FY 2025 | FY 2026 | Q4 2025 | Q4 2026 |
|---|---|---|---|---|
| Return on Average Equity (%) | 15.7 | 17.7 | 2.7 | 4.0 |
| Combined Ratio on NEP with DAC (%) | 106.9 | 105.7 | 106.8 | 105.8 |
| Combined Ratio (%) | 104.0 | 103.0 | 101.3 | 99.1 |
Segment and Portfolio Highlights
The company also highlighted its market performance and operational size.Growth in Distribution:
- The Gross Direct Premium (GDP) for Q4 2026 was ₹2,402 Crore, up from ₹1,981 Crore in Q4 2025.
- The Gross Written Premium (GWP) for Q4 2026 was ₹2,736 Crore, up from ₹2,576 Crore in Q4 2025.
Assets under Management (AUM):
The Net-worth (Equity) remained constant at ₹7,099 Crore for Q4 2025 and ₹7,610 Crore for Q4 2026.
Conclusion
The company’s performance data underscores robust growth in its core business segments and overall financial health as it progresses toward the mandated adoption of Indian Accounting Standards (IndAS). The increased profitability and improved ratios position the company favorably in the market.GODIGIT Stock Price Movement
Go Digit General Insurance Limited shares today slipped by 0.98% to close at ₹316.8. The stock settled lower on a total traded volume of 160,012 shares, capping off a subdued session.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
The information provided is for general informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any securities. Readers are advised to rely on their own assessment and judgment and consult appropriate financial advisers, if required, before taking any investment-related decisions.
Any views, opinions, or statements expressed, where applicable, are those of the respective analysts or experts and do not reflect the views of this website. The website has no association with such viewpoints and does not assume any responsibility for them.