GO DIGIT GENERAL INS LTD
Quality (39/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveSolvency riskOur blended model reads GO DIGIT GENERAL INS LTD as a Strong Sell at 18/100. At ₹254.3 it trades above our blended DCF and relative-multiples fair value of ₹127.15, about 50% downside to that estimate — we read it as overvalued by 50%. On 47.9x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 32% below its 52-week high of ₹372.35 and 4% above the low of ₹245.65. Financial health scores 10/100, with a Piotroski F-score of 3/9. The average analyst target of ₹366.2 implies about 44% upside across 10 analysts. It clears 2 of 10 investability checks, with durability 39, valuation 0 and momentum 10 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 ₹101.72.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-31.70% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Sell18Piotroski F-score 3/9 — 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
- No data: ROE above 15%
- Pass: Low debt (D/E < 0.5): 0.07x
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: 9%
- Fail: Earnings growing: -38%
- Fail: Net margin ≥ 10%: 4.8%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: 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: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter74.5%
- Institutions16.2%
- Public & other9.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (3/9).
Threats
- Earnings contracting year on year.
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About GO DIGIT GENERAL INS LTD
Go Digit General Insurance Limited offers personal and commercial insurance products in India, including auto coverage for cars and bikes, health and property insurance, fire and marine policies, travel insurance, liability coverage, engineering and aviation insurance, crop insurance, and workers' compensation. The company was formerly known as Oben General Insurance Limited.
GO DIGIT GENERAL INS LTD — frequently asked questions
Is GO DIGIT GENERAL INS LTD a buy, hold or sell?
StocksWizard currently rates GO DIGIT GENERAL INS LTD (GODIGIT) a Strong Sell, based on a blended score of 18/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is GO DIGIT GENERAL INS LTD's fair value?
Our blended DCF and relative-valuation model estimates GO DIGIT GENERAL INS LTD's fair value at about ₹127.15, versus a current price of ₹254.3 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is GO DIGIT GENERAL INS LTD financially healthy?
GO DIGIT GENERAL INS LTD scores 10/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has GO DIGIT GENERAL INS LTD's share price performed?
GO DIGIT GENERAL INS LTD is down 16% over three months, and last traded at ₹254.3. 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.