General Insurance Corporation of India
Valuation (100/100) does the heavy lifting; momentum (25/100) is the drag.
Buy zoneGeneral Insurance Corporation of India earns a Hold from StocksWizard, with a blended score of 56/100. At ₹356.6 it trades below our blended DCF and relative-multiples fair value of ₹713.2, about 100% upside to that estimate — we read it as undervalued by 100%. On 6.5x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. It's sitting close to its 52-week low of ₹353.4. Financial health scores 51/100, with a Piotroski F-score of 6/9. The average analyst target of ₹463.8 implies about 30% upside across 5 analysts. It clears 5 of 11 investability checks, with durability 49, valuation 99 and momentum 25 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹570.56. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-12.89% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold56Piotroski F-score 6/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 10.7%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -1%
- Pass: Earnings growing: 1%
- Pass: Net margin ≥ 10%: 18.3%
- Fail: Current ratio > 1.5: 0.31
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 6/9
Quarterly results
Annual financials
Shareholding
- Promoter82.4%
- Institutions15.0%
- Public & other2.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (18.3%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About General Insurance Corporation of India
General Insurance Corporation of India, established in 1972 and based in Mumbai, provides reinsurance services across domestic and international markets. Its product portfolio encompasses property, energy, marine, engineering, liability, health, agriculture and weather, motor, workmen compensation, aviation, life, marine hull, cargo, offshore energy, and miscellaneous insurance lines.
General Insurance Corporation of India — frequently asked questions
Is General Insurance Corporation of India a buy, hold or sell?
StocksWizard currently rates General Insurance Corporation of India (GICRE) a Hold, based on a blended score of 56/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is General Insurance Corporation of India's fair value?
Our blended DCF and relative-valuation model estimates General Insurance Corporation of India's fair value at about ₹713.2, versus a current price of ₹356.6 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is General Insurance Corporation of India financially healthy?
General Insurance Corporation of India scores 51/100 on our financial-health model, with a Piotroski F-score of 6/9.
How has General Insurance Corporation of India's share price performed?
General Insurance Corporation of India is down 10% over three months, and last traded at ₹356.6. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.