General Insurance Corporation Of India

GICRE
Insurance
โ‚น 382.80
Price
โ‚น 67,219
Market Cap
Large Cap
7.85
P/E Ratio

๐Ÿ“Š Score Snapshot

-0.75 / 25
Performance
25 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
31.25 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 9,107 13,362 11,714 10,368 13,688 8,437 7,704 7,011
Adj Cash EBITDA Margin 18.35 29.45 25.12 21.17 28.17 16.76 17.15 18.35
Adj Cash EBITDA To EBITDA 1.00 1.68 1.46 2.75 4.44 -24.39 2.44 4.26
Adj Cash EPS 42.37 69.03 60.30 51.22 71.77 49.00 44.56 58.42
Adj Cash PAT 7,435 12,110 10,580 8,985 12,596 8,597 7,818 10,251
Adj Cash PAT To PAT 1.00 1.81 1.53 3.77 6.32 -46.22 2.39 2.10
Adj Cash PE 9.78 4.95 2.22 2.29 2.90 2.23 6.16 7.50
Adj EPS 42.36 38.11 39.37 13.60 11.35 -1.06 18.63 27.83
Adj EV To EBITDA - - - - - 196.16 - -
Adj Number Of Shares 175.45 175.44 175.44 175.44 175.51 175.47 175.45 175.46
Adj PE 9.78 8.97 3.39 8.62 18.34 - 16.24 19.85
Adj Peg 0.88 0.73 0.02 0.43 - - - -
Bvps 350.52 314.96 257.55 205.24 184.96 136.46 145.29 137.67
Cash ROCE 12.73 24.13 25.76 26.24 44.70 34.85 27.28 30.57
Cash Roic -6.69 -12.71 -10.38 -10.07 -17.56 -11.68 -10.63 -6.15
Cash Revenue 49,617 45,375 46,638 48,967 48,583 50,345 44,928 38,198
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Dividend Yield 2.45 2.90 5.30 1.97 - - 2.62 1.85
EV -95,862 -100,661 -114,992 -105,566 -76,038 -67,872 -49,791 -23,403
EV To EBITDA - - - - - 196.16 - 64.83
Fcfe 7,434 12,116 10,456 8,985 12,606 8,614 7,792 10,243
Fcfe Margin 14.98 26.70 22.42 18.35 25.95 17.11 17.34 26.81
Fcfe To Adj PAT 1.00 1.81 1.51 3.77 6.33 -46.31 2.38 2.10
Fcff 7,170 11,120 9,500 8,592 12,599 7,723 7,178 3,877
Fcff Margin 14.45 24.51 20.37 17.55 25.93 15.34 15.98 10.15
Fcff To NOPAT 1.00 1.95 1.60 4.31 6.35 -7.17 2.70 -2.62
Market Cap 72,698 59,957 23,448 20,562 36,541 19,153 45,187 64,645
PB 1.18 1.09 0.52 0.57 1.13 0.80 1.77 2.68
PE 9.78 8.97 3.39 8.62 18.34 - 16.38 20.55
Peg 0.88 - 0.02 0.43 - - - -
PS 1.47 1.32 0.50 0.42 0.75 0.38 1.01 1.69
ROCE 12.73 13.32 17.01 6.97 7.06 -0.75 9.05 6.40
ROE 12.73 13.31 17.01 6.97 7.06 -0.75 13.17 22.03
Roic -6.69 -6.50 -6.50 -2.34 -2.77 1.63 -3.93 2.35
Share Price 414.35 341.75 133.65 117.20 208.20 109.15 257.55 368.43

๐Ÿ“Š Quarterly Results

Metric Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
Sales 12,755 14,623 13,209 11,144 12,378 12,886 10,254 11,148 13,075 11,166 10,656 11,275 12,061 12,646
Expenses - 9,993 12,018 10,210 9,215 9,998 11,413 7,290 9,523 11,611 10,200 7,423 10,289 9,896 12,111
Other Income - 553.00 59.00 146.00 255.00 -93.00 17.00 131.00 195.00 391.00 187.00 -208.00 319.00 510.00 491.00
Profit Before Tax 3,315 2,664 3,144 2,184 2,287 1,490 3,096 1,820 1,855 1,154 3,025 1,305 2,676 1,026
Tax % 13.30 4.99 20.52 23.21 18.85 5.97 16.67 20.93 8.95 15.25 9.79 5.59 17.15 28.95
Net Profit - 2,874 2,531 2,499 1,677 1,856 1,401 2,580 1,439 1,689 978.00 2,729 1,232 2,217 729.00
Profit From Associates 176.00 358.00 135.00 53.00 -9.00 279.00 26.00 47.00 77.00 28.00 120.00 35.00 155.00 20.00
Profit Excl Exceptional 2,874 2,531 2,499 1,677 1,856 1,401 2,580 1,439 1,689 978.00 2,729 1,232 2,217 729.00
Profit For PE 2,874 2,531 2,499 1,677 1,856 1,401 2,580 1,439 1,689 978.00 2,729 1,232 2,217 729.00
Profit For EPS 2,874 2,531 2,499 1,677 1,856 1,401 2,580 1,439 1,689 978.00 2,729 1,232 2,217 729.00
EPS In Rs 16.38 14.42 14.24 9.56 10.58 7.98 14.71 8.20 9.63 5.57 15.56 7.02 12.63 4.16
PAT Margin % 22.53 17.31 18.92 15.05 14.99 10.87 25.16 12.91 12.92 8.76 25.61 10.93 18.38 5.76
PBT Margin 25.99 18.22 23.80 19.60 18.48 11.56 30.19 16.33 14.19 10.33 28.39 11.57 22.19 8.11
Tax 441.00 133.00 645.00 507.00 431.00 89.00 516.00 381.00 166.00 176.00 296.00 73.00 459.00 297.00
Yoy Profit Growth % 55.00 81.00 -3.00 17.00 10.00 43.00 -5.00 17.00 -24.00 34.00 41.00 769.00 64.00 170.00
Adj Ebit 3,315 2,664 3,145 2,184 2,287 1,490 3,095 1,820 1,855 1,153 3,025 1,305 2,675 1,026
Adj EBITDA 3,315 2,664 3,145 2,184 2,287 1,490 3,095 1,820 1,855 1,153 3,025 1,305 2,675 1,026
Adj EBITDA Margin 25.99 18.22 23.81 19.60 18.48 11.56 30.18 16.33 14.19 10.33 28.39 11.57 22.18 8.11
Adj Ebit Margin 25.99 18.22 23.81 19.60 18.48 11.56 30.18 16.33 14.19 10.33 28.39 11.57 22.18 8.11
Adj PAT 2,874 2,531 2,499 1,677 1,856 1,401 2,580 1,439 1,689 978.00 2,729 1,232 2,217 729.00
Adj PAT Margin 22.53 17.31 18.92 15.05 14.99 10.87 25.16 12.91 12.92 8.76 25.61 10.93 18.38 5.76
Ebit 3,315 2,664 3,145 2,184 2,287 1,490 3,095 1,820 1,855 1,153 3,025 1,305 2,675 1,026
EBITDA 3,315 2,664 3,145 2,184 2,287 1,490 3,095 1,820 1,855 1,153 3,025 1,305 2,675 1,026
EBITDA Margin 25.99 18.22 23.81 19.60 18.48 11.56 30.18 16.33 14.19 10.33 28.39 11.57 22.18 8.11
Ebit Margin 25.99 18.22 23.81 19.60 18.48 11.56 30.18 16.33 14.19 10.33 28.39 11.57 22.18 8.11
NOPAT 2,395 2,475 2,384 1,481 1,931 1,385 2,470 1,285 1,333 818.69 2,916 930.88 1,794 380.12
NOPAT Margin 18.77 16.93 18.05 13.29 15.60 10.75 24.09 11.53 10.19 7.33 27.37 8.26 14.87 3.01
Operating Profit 2,762 2,605 2,999 1,929 2,380 1,473 2,964 1,625 1,464 966.00 3,233 986.00 2,165 535.00
Operating Profit Margin 21.65 17.81 22.70 17.31 19.23 11.43 28.91 14.58 11.20 8.65 30.34 8.75 17.95 4.23

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014
Sales 49,617 45,375 46,638 48,967 48,583 50,345 44,928 38,198 26,776 15,338 13,595 13,616
Interest - 1.00 1.00 - - - - 12.00 7.00 2.00 33.00 138.00
Expenses - 40,837 38,619 39,709 45,816 45,510 52,445 41,204 39,900 27,561 16,851 15,160 16,088
Other Income - 324.00 1,182 1,112 618.00 11.00 1,754 -569.00 3,346 2,843 2,979 2,619 3,822
Exceptional Items - - - - - - 714.00 2,005 1,730 1,566 1,817 1,094
Depreciation - 12.00 10.00 14.00 15.00 19.00 14.00 8.00 10.00 9.00 9.00 5.00
Profit Before Tax 9,105 7,925 8,031 3,755 3,069 -366.00 3,854 3,630 3,770 3,021 2,829 2,302
Tax % 18.37 15.63 14.00 36.46 35.09 49.18 28.44 13.33 2.60 6.55 -2.19 -5.69
Net Profit - 7,432 6,686 6,907 2,386 1,992 -186.00 2,758 3,146 3,672 2,823 2,891 2,433
Profit From Associates 458.00 178.00 330.00 188.00 167.00 92.00 119.00 -49.00 398.00 134.00 90.00 114.00
Exceptional Items At - - - - - - 485.00 1,626 1,426 1,287 1,474 899.00
Profit Excl Exceptional 7,432 6,686 6,907 2,386 1,992 -186.00 2,272 1,519 2,245 1,536 1,417 1,534
Profit For PE 7,432 6,686 6,907 2,386 1,992 -186.00 2,272 1,519 2,245 1,536 1,417 1,534
Profit For EPS 7,432 6,686 6,907 2,386 1,992 -186.00 2,758 3,146 3,672 2,823 2,891 2,433
EPS In Rs 42.36 38.11 39.37 13.60 11.35 -1.06 15.72 17.93 - - - -
Dividend Payout % 24.00 26.00 18.00 17.00 - - 43.00 38.00 27.00 19.00 11.00 24.00
PAT Margin % 14.98 14.73 14.81 4.87 4.10 -0.37 6.14 8.24 13.71 18.41 21.27 17.87
PBT Margin 18.35 17.47 17.22 7.67 6.32 -0.73 8.58 9.50 14.08 19.70 20.81 16.91
Tax 1,673 1,239 1,124 1,369 1,077 -180.00 1,096 484.00 98.00 198.00 -62.00 -131.00
Adj Ebit 9,104 7,926 8,031 3,755 3,069 -365.00 3,141 1,636 2,048 1,457 1,045 1,345
Adj EBITDA 9,104 7,938 8,041 3,769 3,084 -346.00 3,155 1,644 2,058 1,466 1,054 1,350
Adj EBITDA Margin 18.35 17.49 17.24 7.70 6.35 -0.69 7.02 4.30 7.69 9.56 7.75 9.91
Adj Ebit Margin 18.35 17.47 17.22 7.67 6.32 -0.72 6.99 4.28 7.65 9.50 7.69 9.88
Adj PAT 7,432 6,686 6,907 2,386 1,992 -186.00 3,269 4,884 5,357 4,286 4,748 3,589
Adj PAT Margin 14.98 14.73 14.81 4.87 4.10 -0.37 7.28 12.79 20.01 27.95 34.92 26.36
Ebit 9,104 7,926 8,031 3,755 3,069 -365.00 2,427 -369.00 318.00 -109.00 -772.00 251.00
EBITDA 9,104 7,938 8,041 3,769 3,084 -346.00 2,441 -361.00 328.00 -100.00 -763.00 256.00
EBITDA Margin 18.35 17.49 17.24 7.70 6.35 -0.69 5.43 -0.95 1.22 -0.65 -5.61 1.88
Ebit Margin 18.35 17.47 17.22 7.67 6.32 -0.72 5.40 -0.97 1.19 -0.71 -5.68 1.84
NOPAT 7,167 5,690 5,950 1,993 1,985 -1,077 2,655 -1,482 -774.33 -1,422 -1,608 -2,618
NOPAT Margin 14.44 12.54 12.76 4.07 4.09 -2.14 5.91 -3.88 -2.89 -9.27 -11.83 -19.23
Operating Profit 8,780 6,744 6,919 3,137 3,058 -2,119 3,710 -1,710 -795.00 -1,522 -1,574 -2,477
Operating Profit Margin 17.70 14.86 14.84 6.41 6.29 -4.21 8.26 -4.48 -2.97 -9.92 -11.58 -18.19

๐Ÿฆ Balance Sheet

Metric Sep 2025 Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019
Accumulated Depreciation - - - 153.70 - 144.34 145.41 132.26 118.21 101.89
Average Capital Employed 63,724 58,378 52,216 50,220 - 40,596 34,236 28,204 24,718 24,824
Average Invested Capital -138,372 -107,176 -120,426 -87,496 - -91,557 -85,306 -71,726 -66,114 -67,508
Average Total Assets 203,197 189,610 184,556 173,592 - 157,286 146,053 130,423 121,395 117,346
Average Total Equity 63,724 58,378 52,216 50,220 - 40,596 34,236 28,204 24,718 24,824
Capital Employed 67,607 61,499 59,840 55,256 44,591 45,185 36,008 32,464 23,944 25,493
Cash Equivalents 26,194 25,280 25,577 24,855 23,325 23,702 21,451 18,589 16,107 12,933
Fixed Assets 329.00 327.00 325.00 318.00 290.00 324.00 200.00 200.00 209.00 225.00
Gross Block - - - 471.48 - 468.35 345.60 331.90 327.29 326.85
Invested Capital -136,078 -132,250 -140,666 -82,102 -100,187 -92,891 -90,223 -80,390 -63,063 -69,164
Investments 151,265 143,280 147,900 135,763 121,454 114,738 104,677 93,990 70,918 82,045
Loans N Advances 26,226 25,190 27,029 -583.00 - -365.00 102.00 275.00 -17.00 -322.00
Net Debt -177,459 -168,560 -173,477 -160,618 -144,779 -138,440 -126,128 -112,579 -87,025 -94,978
Net Working Capital -136,407 -132,577 -140,991 -82,420 -100,477 -93,215 -90,423 -80,590 -63,272 -69,389
Other Asset Items 909.00 693.00 640.00 24,100 620.00 24,331 25,410 27,211 33,365 27,327
Other Liability Items 137,316 133,270 141,631 128,635 123,050 117,206 113,596 105,907 95,279 96,491
Reserves 66,730 60,622 58,963 54,379 43,714 44,308 35,131 31,586 23,067 24,615
Share Capital 877.00 877.00 877.00 877.00 877.00 877.00 877.00 877.00 877.00 877.00
Short Term Loans And Advances - - - 22,676 21,953 - - - - -
Total Assets 204,923 194,769 201,471 184,452 167,641 162,731 151,841 140,265 120,581 122,209
Total Equity 67,607 61,499 59,840 55,256 44,591 45,185 36,008 32,463 23,944 25,492
Total Equity And Liabilities 204,923 194,769 201,471 184,452 167,641 162,731 151,841 140,265 120,581 122,209
Total Liabilities 137,316 133,270 141,631 129,196 123,050 117,546 115,833 107,802 96,637 96,717
Trade Payables - - - 561.00 - 340.00 2,237 1,894 1,358 225.00
Trade Receivables - - - - - - - - - -

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -2.00 -1,263 -395.00 - - -1,428 -1,428 -1,206
Cash From Investing Activity -1.00 -8,729 -9,076 -6,188 -10,802 -4,016 -7,501 -5,605
Cash From Operating Activity 2.00 11,144 11,722 9,051 13,284 8,617 7,604 8,837
Cash Paid For Loan Advances - -199.34 1,360 -89.76 -292.77 -1,178 149.30 -
Cash Paid For Purchase Of Fixed Assets -0.03 -5.68 -134.07 -15.45 -6.03 -2.99 -40.25 -15.96
Cash Paid For Purchase Of Investments -21.24 - - -6,853 -10,765 -4,658 -7,832 -
Cash Receipts From Deposits - -199.00 - - - - - -
Cash Received From Sale Of Fixed Assets - - 0.66 0.95 0.53 0.24 0.42 0.20
Cash Received From Sale Of Investments 11.75 - - - - - - -
Change In Other Working Capital Items - 5,623 2,313 6,689 10,897 9,962 4,400 5,367
Change In Payables - - - - - - - -
Change In Receivables - - - - - - - -
Change In Working Capital 2.52 5,424 3,673 6,599 10,604 8,783 4,549 5,367
Direct Taxes Paid -2.22 -1,882 -1,816 -1,464 -1,062 -633.44 -1,337 -401.17
Dividends Paid -1.75 -1,263 -394.74 - - -1,184 -1,184 -1,002
Interest Received 8.57 - - - - - - -
Net Cash Flow -1.00 1,153 2,251 2,863 2,482 3,174 -1,324 2,026
Operating Deposits 2.52 - - - - - - -
Other Cash Financing Items Paid - - - - - -243.43 -243.43 -203.99
Other Cash Investing Items Paid 0.02 -8,723 -8,943 678.92 -31.08 645.17 371.76 -5,590
Other Cash Operating Items Paid 1.68 - - - - - - -
Profit From Operations - 7,602 9,866 3,916 3,741 467.00 4,392 3,871

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Gicre 2025-09-30 - 2.12 13.10 2.40 0.00
Gicre 2025-06-30 - 2.12 13.29 2.19 0.00
Gicre 2025-03-31 - 1.93 13.68 2.00 0.00
Gicre 2024-12-31 - 1.80 13.70 2.10 0.00
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