Go Digit General Insurance Ltd (GODIGIT) Fair Value & Analysis
Financial Services · IN · Market cap ₹290B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from ₹117.79 to ₹73.76 (−37.4%) since Aug 6, 2026. Share price −13.1% over the past month.
A solid business, but screening 72% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹92.19). The favourable scenario is already priced in.
- Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
27‑month range ₹245.65 – ₹398.40 · fair‑value band ₹55.32 – ₹92.19 · the ₹259.65 price screens above the ₹73.76 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Go Digit General Insurance Ltd (GODIGIT) currently trades at ₹259.65, while our model-based Fair Value estimate is ₹73.76, implying the stock looks roughly 71.6% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Go Digit General Insurance Ltd generated revenue of ₹105B at a net margin of 5.2%. Revenue grew 22.6% year over year. It earns a return on equity of 11.7%. Net debt stands at ₹1.3B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹55.32 (bear case) to ₹92.19 (bull case); at ₹259.65, the current price sits above 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 32% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 2% fair-value upside, at -72%, GODIGIT screens richer 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: Multiples (₹70.98) versus Dividend Discount (₹6.35). Highest evidence: Residual Income (76).
Notify me when GODIGIT reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 35
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
Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business …
Full company description
Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensation; and other products, such as travel, property, home, shop, fire, and office insurance products. It also provides other products comprising child insurance, protection, income, endowment, investment, and ULIP plans, as well as whole life insurance, and money back policy. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in May 2017. Go Digit General Insurance Limited was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited is a subsidiary of Go Digit Infoworks Services Private Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Go Digit General Insurance Ltd reported revenue of ₹105B in FY2026 versus ₹38.7B in FY2022, a compound +28.3%/yr. Reported net income was ₹5.4B in FY2026.
GODIGIT screens 72% overvalued. Compare with The Progressive Corporation →
Peer Group
Insurance - Property & Casualty · 118 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 - Property & Casualty 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.
VALUE 0: the price sits above our fair-value range.
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 - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $207.37 | $160.25 | -23% |
| Chubb Limited CB | $343.33 | $234.73 | -32% |
| The Travelers Companies, Inc TRV | $370.16 | $274.42 | -26% |
| The Allstate Corporation ALL | $255.84 | $316.11 | +24% |
| The People's Insurance Company 601319 | ¥6.98 | ¥11.61 | +66% |
| PICC Property and Casualty Company 2328 | HK$15.52 | HK$22.28 | +44% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | -39% |
| Fairfax Financial Holdings FFH | C$2,293 | C$2,291 | -0% |
| Samsung Fire & Marine Insurance Co 000810 | 628,000 KRW | 698,407 KRW | +11% |
| Powszechny Zaklad Ubezpieczen SA PZU | 72.14 PLN | 73.80 PLN | +2% |
Compare Go Digit General Insurance Ltd with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Go Digit General Insurance Ltd (GODIGIT) overvalued or undervalued?
What is the fair value of GODIGIT?
What is the quality score of GODIGIT?
What is the revenue of Go Digit General Insurance Ltd (GODIGIT)?
What is the net profit margin of GODIGIT?
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.
Track Go Digit General Insurance Ltd and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.