General Insurance Corporation (GICRE) Fair Value & Analysis
Financial Services · IN · Market cap ₹640B
Fair value as of: Jul 13, 2026
From 6 valuation models · updated 27 days ago
Share price +0.3% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹536.98). The market is more pessimistic than our downside scenario.
- Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range ₹99.39 – ₹487.55 · fair‑value band ₹536.98 – ₹894.97 · the ₹357.20 price screens below the ₹715.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
General Insurance Corporation (GICRE) currently trades at ₹357.20, while our model-based Fair Value estimate is ₹715.98, implying the stock looks roughly 100.4% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, General Insurance Corporation generated revenue of ₹529B at a net margin of 18.3%. Revenue grew 2.5% year over year. It earns a return on equity of 10.7%. The balance sheet holds a net cash position of ₹285B. Fundamentals as of Jul 13, 2026
Our scenario range runs from ₹536.98 (bear case) to ₹894.97 (bull case); at ₹357.20, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 100% fair-value upside, at 100%, GICRE screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Economic Profit (₹508.42) versus Dividend Discount (₹158.89). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
General Insurance Corporation of India provides reinsurance services in India and internationally. It offers property, energy, marine, engineering, liability, spares, health, agriculture/weather, motor and workmen compensation, aviation, life, marine hull, cargo and offshore energy, and miscellaneous products.
Full company description
General Insurance Corporation of India provides reinsurance services in India and internationally. It offers property, energy, marine, engineering, liability, spares, health, agriculture/weather, motor and workmen compensation, aviation, life, marine hull, cargo and offshore energy, and miscellaneous products. The company was incorporated in 1972 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
General Insurance Corporation reported revenue of ₹535B in FY2026 versus ₹515B in FY2022, a compound +0.9%/yr. Reported net income was ₹96.6B in FY2026, compounding +41.9%/yr from FY2022.
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Peer Group
Insurance - Reinsurance · 28 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 15/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| 1MUV2 1MUV2 | €522.60 | €669.36 | +28% |
| Swiss Re AG SREN | CHF 132.60 | CHF 218.88 | +65% |
| Hannover Rück SE HNR1 | €255.00 | €284.58 | +12% |
| Reinsurance Group RGA | $241.79 | $234.55 | -3% |
| Everest Group EG | $364.13 | $522.67 | +44% |
| RenaissanceRe Holdings RNR | $314.99 | $629.98 | +100% |
| SCOR SE SDRC | €33.04 | €66.08 | +100% |
| China Reinsurance (Group) Corporation 1508 | HK$1.37 | HK$2.74 | +100% |
| Hamilton Insurance Group HG | $34.60 | $69.20 | +100% |
| SiriusPoint Ltd SPNT | $24.23 | $48.46 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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