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1. Is General Insurance Corporation of India a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that General Insurance Corporation of India is a average quality company.
2. Is General Insurance Corporation of India 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 Somewhat Undervalued zone.
3. Is General Insurance Corporation of India a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of General Insurance Corporation of India is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
Value Creation ⓘValue Creation Index Colour Code Guide ⓘ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |||
| ROCE % ⓘ | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | - | ||
| Value Creation Index ⓘ | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | - | ||
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ |
|||||||||||||
| Sales ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| YoY Gr. Rt. % | - | NA | NA | NA | NA | NA | NA | NA | NA | NA | - | ||
| Adj EPS ⓘ | 0 | 14.2 | 16.8 | 17.5 | 106.7 | 17.9 | 15.7 | -1.1 | 11.4 | 13.6 | 34.9 | ||
| YoY Gr. Rt. % | - | NA | 18.8% | 4.3% | 508.6% | -83.2% | -12.3% | -106.7% | NA | 19.8% | - | ||
| BVPS (₹) ⓘ | 0 | 79.4 | 93.2 | 99.2 | 586.7 | 137.7 | 145.3 | 136.5 | 149.6 | 164.3 | 184 | ||
| Adj Net Profit ⓘ | 0 | 2,433 | 2,891 | 3,017 | 3,672 | 3,146 | 2,758 | -186 | 1,992 | 2,386 | 6,114 | ||
| Cash Flow from Ops. ⓘ | 0 | 2,923 | 2,635 | 5,876 | 7,901 | 8,837 | 7,604 | 8,617 | 13,284 | 9,007 | - | ||
| 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 ⓘ | NA | -33.8% | -4.7% | 19.8% | ||||||||
| BVPS ⓘ | 0 | -22.5 | 4.2 | 9.8 | ||||||||
| Share Price | - | -17.9% | 9.4% | 17.2% | ||||||||
Key Financial Parameters ⓘPerformance Ratio Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
| Return on Equity % ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Op. Profit Mgn % ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Net Profit Mgn % ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Working Cap Days ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash Conv. Cycle ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Return on Equity has increased versus last 3 years average to 20.00%
Sales growth has been subdued in last 3 years 0.00%
Net Profit has been subdued in last 3 years -4.71%
Sales growth is not so good in last 4 quarters at -2.54%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 31.6 | 34.9 |
| TTM Sales (₹ Cr.) | 36,771 | 36,953 |
| BVPS (₹.) ⓘ | 166.5 | 184 |
| Reserves (₹ Cr.) ⓘ | 28,328 | 31,411 |
| P/BV ⓘ | 0.82 | 0.74 |
| PE ⓘ | 4.31 | 3.91 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 107.60 / 204.00 |
| All Time Low / High (₹) | 81.70 / 447.50 |
| Market Cap (₹ Cr.) | 23,886 |
| Equity (₹ Cr.) | 877.2 |
| Face Value (₹) | 5 |
| Industry PE ⓘ | 19.9 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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
Milestones
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