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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

Go Digit General Insurance Ltd.

GODIGIT · NSE · Financial Services

₹298.85
-2.20 (-0.73%)
Our verdictOvervalued
Sell34/100
Quality46
Valuation0
Momentum19
Financial trend82
Intrinsic value
Our fair value
₹138.59
Overvalued by 54%
Price ₹298.85Range ₹117.8₹159.38

With a 20% margin of safety, our buy-below price is ₹110.87.

C
Financial health 54/100
From profitability & returns (bank/NBFC)

Piotroski F-score 5/9 — quality of earnings & balance sheet.

Investability checklist

Passed 4 of 12 checks33/100
  • ROE above 15%11.7%
  • Low debt (D/E < 0.5)0.07x
  • Positive free cash flow
  • Revenue growth > 10%23%
  • Earnings growing29%
  • Net margin ≥ 10%5.2%
  • Current ratio > 1.50.10
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 75/9

1-year price

EOD · 2026-06-15
1W
-1.6%
1M
-3.8%
3M
-13.3%
6M
-12.2%
1Y

Our scores

Durability46
Valuation0
Momentum19
Analyst consensus target ₹366.2 (+23%) · 10 analysts

Key fundamentals

Market cap
₹27,622 Cr
P/E ratio
50.9
P/B ratio
5.88
EPS (TTM)
₹5.87
ROE
11.7%
Debt / Equity
0.07x
Profit margin
5.2%
Free cash flow
₹3,285 Cr
52-week high
₹372.35
-19.74% from high
52-week low
₹293.65
Dividend yield
Beta
0.11

SWOT snapshot

Strengths

  • Lightly leveraged balance sheet.

Weaknesses

  • Price below its 200-day moving average (downtrend).

Opportunities

  • Earnings growing (29% YoY).
  • Revenue growing (23% YoY).

Threats

  • Rich valuation versus sector peers.
  • Trades ~54% above our estimated fair value.

About Go Digit General Insurance Ltd.

Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensati

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Our 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.