Is General Insurance Corporation of India (GICRE) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that General Insurance Corporation of India is a good quality company .

Is General Insurance Corporation of India (GICRE) undervalued or overvalued?

The key valuation ratios of General Insurance Corporation of India's currently when compared to its past seem to suggest it is in the Fair zone .

What is General Insurance Corporation of India (GICRE) share price return in the past 10 years?

Data is not available for this company

Is General Insurance Corporation of India (GICRE) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of General Insurance Corporation of India is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

What is the share price of General Insurance Corporation of India (GICRE)?

Company share prices are keep on changing according to the market conditions. The current trading price of General Insurance Corporation of India (GICRE) on 17-Apr-2026 16:59:59 at 16:59 is 400.00.

What is the P/E ratio of General Insurance Corporation of India?

The latest standalone P/E ratio of General Insurance Corporation of India as of 17-Apr-2026 is 8.43.

What is the P/B ratio of General Insurance Corporation of India (GICRE)?

The latest standalone P/B ratio of General Insurance Corporation of India (GICRE) as of 17-Apr-2026 is 1.38.

What is the 52-week high and low of General Insurance Corporation of India (GICRE)?

The 52-week high of General Insurance Corporation of India (GICRE) is Rs. 453.60 and the 52-week low is Rs. 351.00.

What is the TTM revenue of General Insurance Corporation of India (GICRE)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of General Insurance Corporation of India is Rs. 38273.44 (Cr.).

General Insurance Corporation of India (GICRE) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: General Insurance Corporation of India (GICRE)
Brand: General Insurance Corporation of India

General Insurance Corporation of India (GICRE) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 540755 NSE: GICRE | Insurance | Mid Cap

Key Metrics

Market Cap

₹70,176 Cr.

Earnings Per Share (TTM)

₹54.88

P/E Ratio

7.29

Price to Book (P/B)

1.26

Price to Sales (P/S)

1.80

EV/EBITDA

7.57

Current Price

₹400

Return on Capital Employed (ROCE)

21.11%

Return on Equity (ROE)

16.41%

Return on Assets (ROA)

8.52%

Revenue From Operation (1 Year)

NA%

Book Value per Share

₹318.7

Revenue From Operation (3 Years)

N/A%

Net Profit Growth (1 Year)

11.16%

Net Profit Growth (3 Years)

-68.54%

Dividend Yield

2.38%

52-Week Low / High

₹351 / 454

Promoter Holding

82.40%

Pledged shares (%)
of Promoter's holding (%)

0.00%

DeciZen - make an informed investing decision on General Ins. Corp

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

General Insurance Corporation of India stock performance

Key Ratios

Is General Insurance Corporation of India an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Value Creation ⓘ

Value Creation Index Colour Code Guide ⓘ

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
ROCE % ⓘ	18.9%	22.4%	16.2%	16%	-1.1%	12.9%	14.3%	25.8%	20.8%	21.1%	-
Value Creation Index ⓘ	0.7	1.0	0.4	0.4	-1.1	0.2	0.3	1.3	0.9	0.9	-
Growth Parameters ⓘ Growth Parameters Colour Code Guide ⓘ
Sales ⓘ	0	0	0	0	0	0	0	0	0	0	0
Sales YoY Gr.	-	NA	NA	NA	NA	NA	NA	NA	NA	NA	-
Adj EPS ⓘ	17.5	106.7	17.9	15.7	-1.1	11.4	13.6	39.4	38.1	42.4	54.9
YoY Gr.	-	508.6%	-83.2%	-12.3%	-106.7%	NA	19.8%	189.5%	-3.2%	11.2%	-
BVPS (₹) ⓘ	99.2	586.7	137.7	145.3	136.5	149.6	164.3	205.2	239	277.4	318.7
Adj Net Profit ⓘ	3,017	3,672	3,146	2,758	-186	1,992	2,386	6,907	6,686	7,432	9,628
Cash Flow from Ops. ⓘ	5,876	7,901	8,837	7,604	8,617	13,284	9,051	11,722	11,144	1,976	-
Debt/CF from Ops. ⓘ	0	0	0	0	0	0	0	0	0	0	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Sales ⓘ	NA	NA	NA	NA
Adj EPS ⓘ	10.3%	NA	46%	11.2%
BVPSⓘ	12.1%	15.2%	19.1%	16%
Share Price	-	14.6%	39.2%	-6.8%

Key Financial Parameters ⓘ

Performance Ratio Colour Code Guide ⓘ

	Mar'23	Mar'24	Mar'25	TTM
Return on Equity % ⓘ	38.4	17.2	16.4	-
Op. Profit Mgn % ⓘ	0	0	0	-
Net Profit Mgn % ⓘ	0	0	0	-
Debt to Equity ⓘ	0	0	0	-
Working Cap Days ⓘ	0	0	0	0
Cash Conv. Cycle ⓘ	0	0	0	-525

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	47.4	54.9
TTM Sales (₹ Cr.)	38,273	39,080
BVPS (₹) ⓘ	288.9	318.7
Reserves (₹ Cr.) ⓘ	49,813	55,029
P/BV ⓘ	1.38	1.26
PE ⓘ	8.43	7.29

From the Market
52 Week Low / High (₹)	351.00 / 453.60
All Time Low / High (₹)	81.70 / 525.00
Market Cap (₹ Cr.)	70,176
Equity (₹ Cr.)	877.2
Face Value (₹)	5
Industry PE ⓘ	16.7

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of General Ins. Corp - Consolidated Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Revenue From Operation	70	-109	-15	-80	29	-125	-1,343	54	-137	-582
Income From Investments	1,340	1,533	1,351	1,806	1,582	1,999	2,247	3,136	3,575	4,170
Other Income ⓘ	237	18	13	145	172	11	155	504	367	182
Operating Expenses	50	45	77	74	81	179	31	9	82	108
Profit Before Tax	3,125	4,168	3,580	3,973	-274	3,236	3,942	8,361	8,103	9,563
Tax ⓘ	108	496	435	1,216	-87	1,244	1,556	1,454	1,417	2,131
Adjustments	0	0	0	0	0	0	0	0	0	0
Net Profit	3,017	3,672	3,146	2,758	-186	1,992	2,386	6,907	6,686	7,432
Adjusted EPS (₹)	17.54	106.74	17.93	15.72	-1.06	11.35	13.60	39.37	38.11	42.36
Dividend Payout Ratio (%)	29%	27%	38%	43%	0%	0%	17%	18%	26%	24%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Share Capital ⓘ	430	430	439	877	877	877	877	877	877	877
Reserve and Surplus	16,628	19,753	23,716	24,615	23,067	25,376	27,950	35,119	41,058	47,782
Fair Value A/C	23451	10036	8638	8401	3251	6211	7181	9189	13322	12841
Borrowings ⓘ	0	0	0	0	0	0	0	0	0	0
Policy Holders Fund	0	20,001	21,196	22,023	11,621	21,016	24,037	22,285	30,435	27,300
Funds For Appropriations	0	0	0	0	0	0	0	0	0	0
Total Liabilities ⓘ	40,509	50,220	53,989	55,916	38,816	53,479	60,045	67,470	85,692	88,800
Assets
Investment	0	0	0	0	0	0	0	0	0	0
Loans	366	322	282	258	235	213	190	170	152	137
Total Net block	198	192	200	225	209	200	200	324	318	319
Total Assets ⓘ	40,509	50,220	53,989	55,916	38,816	53,479	60,045	67,470	85,692	88,800

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ +	5,876	7,901	8,837	7,604	8,617	13,284	9,051	11,722	-212	1,976
PBT ⓘ	2,988	3,770	3,630	3,854	-366	3,069	3,755	8,031	0	0
Adjustment ⓘ	-197	412	242	538	833	672	161	1,835	1,790	1,705
Changes in Working Capital ⓘ	2680	4034	5367	4549	8783	10604	6599	3673	-102	2524
Tax Paid ⓘ	405	-315	-401	-1,337	-633	-1,062	-1,464	-1,816	-1,899	-2,253
Cash Flow From Investing Activity ⓘ +	-4,534	-4,354	-5,502	-7,865	-4,595	-10,453	-6,827	-9,999	1,677	-926
Capex	-42	-3	-16	-40	-3	-5	-15	-133	-6	-24
Net Investments	-4,711	-3,831	-5,967	-7,832	-4,658	-10,765	-6,853	-9,866	-6,112	-9,491
Others ⓘ	219	-519	480	8	66	317	40	0	7,795	8,589
Cash Flow From Financing Activity ⓘ +	453	-1,035	-1,206	-1,428	-1,428	0	104	-395	-1,263	-1,754
Net Proceeds from Shares ⓘ	0	0	0	0	0	0	0	0	0	0
Net Proceeds from Borrowing ⓘ	0	0	0	0	0	0	0	0	0	0
Interest Paid ⓘ	0	0	0	0	0	0	0	0	0	0
Dividend Paid ⓘ	563	-860	-1,002	-1,184	-1,184	0	0	-395	-1,263	-1,754
Others ⓘ	-110	-175	-204	-243	-243	0	104	0	0	0
Net Cash Flow ⓘ	1,795	2,512	2,129	-1,688	2,594	2,830	2,328	1,328	202	-704

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Ratios
ROE (%)	18.24	19.72	14.19	11.11	-0.75	7.94	8.66	21.31	17.16	16.41
ROCE (%)	18.89	22.38	16.15	16.01	-1.11	12.89	14.31	25.8	20.79	21.11
Asset Turnover Ratio	0.36	0.59	0.73	0.7	0.94	0.87	0.7	0.56	0.44	0.42
PAT to CFO Conversion(x)	1.95	2.15	2.81	2.76	N/A	6.67	3.79	1.7	-0.03	0.27
Working Capital Days
Receivable Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0

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General Insurance Corporation of India FAQs

The current trading price of General Ins. Corp on 17-Apr-2026 16:59 is ₹400.0.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 16-Apr-2026 the market cap of General Ins. Corp stood at ₹70,176 Cr

The latest P/E ratio of General Ins. Corp as of 16-Apr-2026 is 8.43.

The latest P/B ratio of General Ins. Corp as of 16-Apr-2026 is 1.38.

The 52-week high of General Ins. Corp is ₹453.6 and the 52-week low is ₹351.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of General Ins. Corp is ₹38,273 ( Cr.) .

About General Insurance Corporation of India

General Insurance Corporation of India Ltd. (GIC) was incorporated on November 22, 1972 under the Companies Act, 1956 as a private company limited by shares. GIC was formed for the purpose of superintending, controlling and carrying on the business of general insurance. As soon as GIC was formed, the Government of India (GOI) transferred all the shares it held of the general insurance companies to GIC. Simultaneously, the nationalised undertakings were transferred to Indian insurance companies.

Business area of the company

The company provides reinsurance across many key business lines including fire (property), marine, motor, engineering, agriculture, aviation/space, health, liability, credit and financial and life insurance. As a sole reinsurer in the domestic reinsurance market, it provides reinsurance to the direct general insurance companies in the Indian market. It receives statutory cession of 5% on each and every policy subject to certain limits. It leads many of domestic companies’ treaty programmes and facultative placements. As it spreads its wings to emerge as an effective reinsurance solutions partner for the Afro-Asian region and has started leading the reinsurance programmes of several insurance companies in SAARC countries, South East Asia, Middle East and Africa. To offer its international clientele an easy accessibility, efficient service and tailor made reinsurance solutions; GIC has opened liaison/ representative/ branch / subsidiary offices in UK, Russia, UAE, Malaysia, South Africa and Brazil. GIC also has an offshore branch in GIFT City, Gujarat. GIC provides following capacities for Treaty and Facultative business on risk emanating from the international market based on merits of the business.

Awards and certifications

2011 - Corporation won the Marine Insurance Award at Seatrade Middle East and Indian Subcontinent Awards 2011.
2012 - Corporation won the Marine Insurance Award second time in a row, at Seatrade Middle East and Indian Subcontinent Awards 2012.
2014 - Marine Insurer of the Year at the inaugural Maritime Standard Awards, Middle East and Indian Subcontinent Awards 2014.
2014 - ICE Awards 2014 awarded to GIC ReNews (Certificate of Merit).
2016 - Business Today Most Powerful Women Awards 2016.
2017 - Reinsurance Company of the Year Award 2017 by ASSCOHAM, India.
2017 - Skoch Award, Resilinet India Award 2017.
2019 - Alice G. Vaidyan, Chairman-cum-Managing Director, has been presented with the CEO of The Year award by ET Prime at the Economic Times Prime Women Leadership Awards for 2019.
2019 - FORTUNE India announced Ms. Alice G Vaidyan, as the 4th most powerful women in Business in their October issue on Most Powerful Women in Business.
2019 - ASSOCHAM presented Ms. Vaidyan, the Leadership Excellence Award in February 2019.

Milestones

1972 - Corporation was formed pursuant to section 9(1) of GIBNA and also under the Companies Act 1956 as private company limited by shares.
1973 -The general insurance business in India was nationalized, 107 general insurance companies were merged and Corporation was formed as the holding company with four subsidiaries namely, New India Assurance Company Limited, National Insurance Company Limited, Oriental Insurance Company Limited and United India Insurance Company Limited.
2000 - Corporation was notified as ‘Indian Reinsurer’.
2003 - Corporation commenced its life reinsurance underwriting activities.
2013 - The joint venture Reinsurance Company in Bhutan-GIC Bhutan Re Limited became operational.
2014 - GIC Re South Africa Limited, the wholly owned subsidiary of GIC Re was established in South Africa.
2015 - India nuclear insurance pool launched.
2016 - GIC Re, India, Corporate Member Limited, the Wholly owned subsidiary of GIC Re in UKestablished.
2016 - GIC Re converted into ‘Public Limited Company’.
2017 - GIC Re opened IFSC Insurance office in GIFT City.
2020 - General Insurance Corporation of India has received license from Bank of Russia to commence reinsurance business in Russia.

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General Insurance Corporation of India (GICRE) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

General Ins. Corp Share Price