| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,869 | 2,214 | 2,693 | 2,077 | 2,175 | 2,372 | 2,855 | 2,179 | 2,408 | 2,498 | 3,112 | 2,359 | |
Growth YoY Revenue Growth YoY% | 72.0 | 24.6 | 16.4 | 7.1 | 6.0 | 4.9 | 10.7 | 5.3 | 9.0 | 8.3 | ||
Expenses ExpensesCr | 1,877 | 2,242 | 2,198 | 1,994 | 2,136 | 2,309 | 2,426 | 2,059 | 2,334 | 2,386 | 2,501 | 2,289 |
| -8 | -27 | 494 | 83 | 39 | 63 | 429 | 121 | 74 | 112 | 611 | 70 | |
OPM OPM% | -0.4 | -1.2 | 18.4 | 4.0 | 1.8 | 2.6 | 15.0 | 5.5 | 3.1 | 4.5 | 19.6 | 3.0 |
| 569 | 586 | 531 | 543 | 632 | 608 | 662 | 630 | 683 | 676 | 636 | 684 | |
Interest Expense Interest ExpenseCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 | 115 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22 | 19 | 23 | 23 | 29 | |
| 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 | |
Growth YoY PAT Growth YoY% | 106.3 | 73.3 | 223.1 | 176.5 | 119.5 | 36.5 | 30.2 | 18.2 | 29.2 | -37.5 | ||
NPM NPM% | 1.5 | 1.9 | 2.0 | 4.9 | 4.1 | 5.0 | 4.0 | 6.3 | 4.8 | 5.6 | 4.8 | 3.7 |
| 0.0 | 0.0 | 0.0 | 1.1 | 1.0 | 1.3 | 1.3 | 1.5 | 1.3 | 1.5 | 1.6 | 0.9 |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,869 | 2,214 | 2,693 | 2,077 | 2,175 | 2,372 | 2,855 | 2,179 | 2,408 | 2,498 | 3,112 | 2,359 | |
Growth YoY Revenue Growth YoY% | 72.0 | 24.6 | 16.4 | 7.1 | 6.0 | 4.9 | 10.7 | 5.3 | 9.0 | 8.3 | ||
Expenses ExpensesCr | 1,877 | 2,242 | 2,198 | 1,994 | 2,136 | 2,309 | 2,426 | 2,059 | 2,334 | 2,386 | 2,501 | 2,289 |
| -8 | -27 | 494 | 83 | 39 | 63 | 429 | 121 | 74 | 112 | 611 | 70 | |
OPM OPM% | -0.4 | -1.2 | 18.4 | 4.0 | 1.8 | 2.6 | 15.0 | 5.5 | 3.1 | 4.5 | 19.6 | 3.0 |
| 569 | 586 | 531 | 543 | 632 | 608 | 662 | 630 | 683 | 676 | 636 | 684 | |
Interest Expense Interest ExpenseCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 28 | 43 | 53 | 101 | 89 | 119 | 116 | 161 | 136 | 163 | 173 | 115 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22 | 19 | 23 | 23 | 29 | |
| 28 | 43 | 53 | 101 | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 | |
Growth YoY PAT Growth YoY% | 106.3 | 73.3 | 223.1 | 176.5 | 119.5 | 36.5 | 30.2 | 18.2 | 29.2 | -37.5 | ||
NPM NPM% | 1.5 | 1.9 | 2.0 | 4.9 | 4.1 | 5.0 | 4.0 | 6.3 | 4.8 | 5.6 | 4.8 | 3.7 |
| 0.0 | 0.0 | 0.0 | 1.1 | 1.0 | 1.3 | 1.3 | 1.5 | 1.3 | 1.5 | 1.6 | 0.9 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 1,849 | 3,011 | 4,353 | 6,863 | 9,517 | 11,290 | 11,645 | 10,377 |
Growth Revenue Growth% | 62.8 | 44.6 | 57.7 | 38.7 | 18.6 | 3.1 | 8.3 | |
Expenses ExpensesCr | 2,273 | 3,234 | 5,590 | 8,078 | 9,038 | 9,643 | 10,082 | 9,510 |
| -424 | -223 | -1,237 | -1,215 | 479 | 1,647 | 1,563 | 867 | |
OPM OPM% | -22.9 | -7.4 | -28.4 | -17.7 | 5.0 | 14.6 | 13.4 | 8.3 |
| 0 | 0 | 0 | 0 | 468 | 324 | 470 | 2,679 | |
Interest Expense Interest ExpenseCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | -175 | -123 | -296 | 36 | 182 | 425 | 632 | 586 |
| 0 | 0 | 0 | 0 | 0 | 0 | 87 | 94 | |
PAT PATCr | -175 | -123 | -296 | 36 | 182 | 425 | 544 | 492 |
Growth PAT Growth% | 29.9 | -141.0 | 112.0 | 411.1 | 133.9 | 28.1 | 6.6 | |
NPM NPM% | -9.5 | -4.1 | -6.8 | 0.5 | 1.9 | 3.8 | 4.7 | 4.8 |
| -0.2 | -1.5 | -3.5 | 0.4 | 2.1 | 4.7 | 5.9 | 5.3 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 1,849 | 3,011 | 4,353 | 6,863 | 9,517 | 11,290 | 11,645 | 10,377 |
Growth Revenue Growth% | 62.8 | 44.6 | 57.7 | 38.7 | 18.6 | 3.1 | 8.3 | |
Expenses ExpensesCr | 2,273 | 3,234 | 5,590 | 8,078 | 9,038 | 9,643 | 10,082 | 9,510 |
| -424 | -223 | -1,237 | -1,215 | 479 | 1,647 | 1,563 | 867 | |
OPM OPM% | -22.9 | -7.4 | -28.4 | -17.7 | 5.0 | 14.6 | 13.4 | 8.3 |
| 0 | 0 | 0 | 0 | 468 | 324 | 470 | 2,679 | |
Interest Expense Interest ExpenseCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | -175 | -123 | -296 | 36 | 182 | 425 | 632 | 586 |
| 0 | 0 | 0 | 0 | 0 | 0 | 87 | 94 | |
PAT PATCr | -175 | -123 | -296 | 36 | 182 | 425 | 544 | 492 |
Growth PAT Growth% | 29.9 | -141.0 | 112.0 | 411.1 | 133.9 | 28.1 | 6.6 | |
NPM NPM% | -9.5 | -4.1 | -6.8 | 0.5 | 1.9 | 3.8 | 4.7 | 4.8 |
| -0.2 | -1.5 | -3.5 | 0.4 | 2.1 | 4.7 | 5.9 | 5.3 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 817 | 825 | 859 | 874 | 875 | 923 | 925 | 0 |
Reserves ReservesCr | 299 | 1,047 | 2,059 | 2,470 | 2,568 | 3,663 | 3,738 | 0 |
Borrowings BorrowingsCr | 0 | 0 | 0 | 0 | 350 | 350 | 350 | 0 |
Other Liabilities Other LiabilitiesCr | 2,777 | -642 | -940 | -903 | -724 | -273 | 23 | 0 |
Total Liabilities Total LiabilitiesCr | 3,893 | 1,230 | 1,978 | 2,441 | 3,070 | 4,664 | 5,036 | 0 |
| 162 | 163 | 162 | 157 | 0 | ||||
Advances AdvancesCr | 256 | 312 | 505 | 659 | 1,032 | 1,596 | 1,872 | |
Cash Equivalents Cash EquivalentsCr | 74 | 160 | 147 | 279 | 356 | 239 | 219 | 0 |
Other Assets Other AssetsCr | 3,563 | 758 | 1,326 | 1,341 | 1,519 | 2,667 | 2,788 | 0 |
Total Assets Total AssetsCr | 3,893 | 1,230 | 1,978 | 2,441 | 3,070 | 4,664 | 5,036 | 0 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 817 | 825 | 859 | 874 | 875 | 923 | 925 | 0 |
Reserves ReservesCr | 299 | 1,047 | 2,059 | 2,470 | 2,568 | 3,663 | 3,738 | 0 |
Borrowings BorrowingsCr | 0 | 0 | 0 | 0 | 350 | 350 | 350 | 0 |
Other Liabilities Other LiabilitiesCr | 2,777 | -642 | -940 | -903 | -724 | -273 | 23 | 0 |
Total Liabilities Total LiabilitiesCr | 3,893 | 1,230 | 1,978 | 2,441 | 3,070 | 4,664 | 5,036 | 0 |
| 162 | 163 | 162 | 157 | 0 | ||||
Advances AdvancesCr | 256 | 312 | 505 | 659 | 1,032 | 1,596 | 1,872 | |
Cash Equivalents Cash EquivalentsCr | 74 | 160 | 147 | 279 | 356 | 239 | 219 | 0 |
Other Assets Other AssetsCr | 3,563 | 758 | 1,326 | 1,341 | 1,519 | 2,667 | 2,788 | 0 |
Total Assets Total AssetsCr | 3,893 | 1,230 | 1,978 | 2,441 | 3,070 | 4,664 | 5,036 | 0 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| 1,199 | 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | 2,026 | |
| -2,057 | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 | |
| 820 | 159 | 995 | 397 | 342 | 1,092 | -28 | |
Net Cash Flow Net Cash FlowCr | -39 | 86 | -13 | 133 | 77 | -141 | -22 |
Free Cash Flow Free Cash FlowCr | 1,122 | 1,536 | 2,429 | 2,229 | 1,704 | 1,587 | 2,009 |
CFO To PAT CFO To PAT% | -684.2 | -1,273.5 | -837.9 | 6,328.9 | 947.0 | 377.5 | 372.1 |
CFO To EBITDA CFO To EBITDA% | -282.8 | -699.6 | -200.4 | -185.2 | 359.3 | 97.4 | 129.6 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| 1,199 | 1,563 | 2,479 | 2,250 | 1,720 | 1,604 | 2,026 | |
| -2,057 | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 | -2,019 | |
| 820 | 159 | 995 | 397 | 342 | 1,092 | -28 | |
Net Cash Flow Net Cash FlowCr | -39 | 86 | -13 | 133 | 77 | -141 | -22 |
Free Cash Flow Free Cash FlowCr | 1,122 | 1,536 | 2,429 | 2,229 | 1,704 | 1,587 | 2,009 |
CFO To PAT CFO To PAT% | -684.2 | -1,273.5 | -837.9 | 6,328.9 | 947.0 | 377.5 | 372.1 |
CFO To EBITDA CFO To EBITDA% | -282.8 | -699.6 | -200.4 | -185.2 | 359.3 | 97.4 | 129.6 |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 26,694 | 30,116 | 23,300 | |||||
Price To Earnings Price To Earnings | 62.9 | 55.3 | 47.3 | |||||
Price To Sales Price To Sales | 2.9 | 3.0 | 2.3 | |||||
Price To Book Price To Book | 6.2 | 6.5 | 5.0 | |||||
EV To EBITDA EV To EBITDA | 16.3 | 19.4 | 25.9 | |||||
OPM OPM% | -22.9 | -7.4 | -28.4 | -17.7 | 5.0 | 14.6 | 13.4 | 8.3 |
NPM NPM% | -9.5 | -4.1 | -6.8 | 0.5 | 1.9 | 3.8 | 4.7 | 4.8 |
ROCE ROCE% | -15.7 | -6.6 | -10.1 | 1.1 | 4.8 | 8.6 | 12.6 | |
ROE ROE% | -15.7 | -6.6 | -10.1 | 1.1 | 5.3 | 9.3 | 11.7 | |
ROA ROA% | -4.5 | -10.0 | -15.0 | 1.5 | 5.9 | 9.1 | 10.8 | |
| Financial Year | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 26,694 | 30,116 | 23,300 | |||||
Price To Earnings Price To Earnings | 62.9 | 55.3 | 47.3 | |||||
Price To Sales Price To Sales | 2.9 | 3.0 | 2.3 | |||||
Price To Book Price To Book | 6.2 | 6.5 | 5.0 | |||||
EV To EBITDA EV To EBITDA | 16.3 | 19.4 | 25.9 | |||||
OPM OPM% | -22.9 | -7.4 | -28.4 | -17.7 | 5.0 | 14.6 | 13.4 | 8.3 |
NPM NPM% | -9.5 | -4.1 | -6.8 | 0.5 | 1.9 | 3.8 | 4.7 | 4.8 |
ROCE ROCE% | -15.7 | -6.6 | -10.1 | 1.1 | 4.8 | 8.6 | 12.6 | |
ROE ROE% | -15.7 | -6.6 | -10.1 | 1.1 | 5.3 | 9.3 | 11.7 | |
ROA ROA% | -4.5 | -10.0 | -15.0 | 1.5 | 5.9 | 9.1 | 10.8 | |
Documents — Go Digit General Insurance Ltd
Concall Transcript Summaries — Go Digit General Insurance Ltd