Go Digit General Insurance Limited (GODIGIT.NS) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+118.5%

₹552.18

vs ₹252.75 price

Levered DCF

₹962.51

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

—

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	54.31×	61.81×	147.12×	784.62×	-94.74×	-228.36×	-126.97×	-60.71×
P/B	6.31×	5.69×	7.77×	8.39×	9.62×	14.97×	13.61×	19.87×
P/S	2.82×	2.7×	3.09×	4.68×	7.25×	12.34×	15.67×	29.42×
EV / EBITDA	47.01×	51.26×	112.05×	384.99×	-103.02×	-262.82×	-136.84×	54.61×
Gross margin	41.5%	76.8%	77.6%	95.7%	95.1%	96.0%	100.0%	100.0%
Operating margin	6.0%	4.4%	2.1%	0.6%	-7.6%	-5.4%	52.6%	26.5%
Net margin	5.2%	4.4%	2.1%	0.6%	-7.6%	-5.4%	-12.3%	-48.5%
Current ratio	0×	0.19×	0.95×	11.22×	12.92×	11.84×	0.86×	2.8×
Debt / equity	0.07×	0.08×	0.1×	0×	0×	0×	0×	0×
Interest coverage	0×	6.14×	4.63×	1.65×	-23.91×	-16.13×	112.41×	50.42×
Dividend yield	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	6.3%	6.8%	3.4%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	11.6%	9.2%	5.3%	1.1%	-10.1%	-6.5%	-10.7%	-32.8%
Return on invested capital	2.2%	4.5%	1.1%	0.3%	-2.2%	-1.6%	17.2%	7.1%
Return on assets	2.2%	2.0%	1.0%	0.2%	-2.7%	-1.8%	-4.0%	-12.9%
Free cash flow yield	6.8%	6.0%	6.4%	7.9%	8.7%	5.5%	5.0%	3.9%
Earnings yield	1.8%	1.6%	0.7%	0.1%	-1.1%	-0.4%	-0.8%	-1.6%
Enterprise value	₹297B	₹263.7B	₹267.5B	₹277.9B	₹279.2B	₹279.1B	₹221.8B	₹163.1B
Net debt / EBITDA	0.21×	0.22×	-0.03×	-3.87×	0.54×	1.51×	0.46×	-0.38×
Cash conversion cycle (days)	0	-10	-50	-458	-1	1	0	0