Go Digit General Insurance Ltd (GODIGIT) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Go Digit General Insurance Ltd ₹48.98, price ₹256, upside -80.9%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Structural break:
The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Stretched ValuationStrong overvaluation with only moderate quality.
!Fair value ₹48.98 · Strongly overvalued (−80.9%)
!Quality 51/100
✓Healthy Growth(revenue 5y +35.7 %/yr)
!Thin margins · 4.8% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers(2/14)
!Narrow moat33/100
!Evidence only low, so the estimate is less certain
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 30, 2026.
How to read this chart
28‑month range ₹239.00 – ₹398.40 · fair‑value band ₹43.66 – ₹65.41 · the ₹256.30 price screens above the ₹48.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 30, 2026.
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Go Digit General Insurance Limited provides various insurance services in India.
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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.
Stock analysis
Go Digit General Insurance Ltd (GODIGIT) currently trades at ₹256.30, while our model-based Fair Value estimate is ₹48.98, 80.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹70.96 per share, and 0 of the 6 models we run sit above the ₹256.30 price.
Bear case: the Dividend Discount group reads lowest at ₹5.58, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹43.66 (bear) to ₹65.41 (bull), the price of ₹256.30 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap ₹237B (≈ $2.5B) · P/E ratio 46.3 · P/S ratio 2.41 · EPS (TTM) ₹5.53 · Dividend yield 0.1% · Net margin 5.2% · Return on equity 11.7% · Return on assets (EBIT) 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −81%, GODIGIT screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹5.58 to ₹76.54). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹43.66Fair Value ₹48.98Bull ₹65.41
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹2.80 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.7%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+112.1%
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What shareholders gained per year (last 3 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +69.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+69.0%
Dividend (yield on the price)0.1%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−5% → 6%
⚠ Approximate: the rate leans on 2026, which sits 187% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+2.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+9.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −1.5% a year for the price and +5.1% for the forecasts.
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Peer Groupⓘ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.Insurance - Property & Casualty · 116 stocks
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Cite: Fair Value Calculator (2026). "Go Digit General Insurance Ltd Fair Value". https://www.fairvalue-calculator.com/stock/GODIGIT
Frequently asked questions
Is Go Digit General Insurance Ltd (GODIGIT) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of ₹48.98 versus a price of ₹256.30, about −81% upside (overvalued).
What is the fair value of GODIGIT?
Our model-based fair value for Go Digit General Insurance Ltd is ₹48.98 (as of Sep 30, 2026), built from audited fundamentals. The current price: ₹256.30.
What is the quality score of GODIGIT?
Go Digit General Insurance Ltd has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Go Digit General Insurance Ltd (GODIGIT)?
Our model-based price target is the fair value of ₹48.98 (as of Sep 30, 2026) from 6 valuation models. Cautious scenario ₹43.66, optimistic scenario ₹65.41. It is a calculation from audited fundamentals, not an analyst target.
What is the Go Digit General Insurance Ltd stock forecast for 2026?
Our models put fair value at ₹48.98, about −81% upside versus a price of ₹256.30 (overvalued). Cautious scenario ₹43.66, optimistic scenario ₹65.41. The calculation is refreshed regularly with new filings.
What is the revenue of Go Digit General Insurance Ltd (GODIGIT)?
Go Digit General Insurance Ltd reported trailing-twelve-month revenue of about ₹102B (latest available figure, as of Sep 30, 2026).
Does Go Digit General Insurance Ltd pay a dividend?
Go Digit General Insurance Ltd currently shows a dividend yield of about 0.14% relative to its recent price (as of Sep 30, 2026).
What growth is priced into Go Digit General Insurance Ltd (GODIGIT)?
For today's price to be fair in a discounted-cash-flow model, Go Digit General Insurance Ltd would have to grow free cash flow by +2.6 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +35.7 % per year. As of Sep 30, 2026.
What discount rate (WACC) does the fair value of GODIGIT use?
Our models discount Go Digit General Insurance Ltd at 10.9 %: a base by market capitalisation (mid), damped by beta 0.23, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Go Digit General Insurance Ltd that is +2.6 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Go Digit General Insurance Ltd (GODIGIT) delivered so far?
Over the past 5 years revenue at Go Digit General Insurance Ltd grew +35.7 % a year. The price currently implies +2.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Go Digit General Insurance Ltd (GODIGIT) growing?
The median revenue growth in the sector is +4.5 % a year. That is the yardstick for the growth priced into Go Digit General Insurance Ltd (+2.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Go Digit General Insurance Ltd (GODIGIT)?
The free-cash-flow yield on the price is 8.46 %: that much free cash flow Go Digit General Insurance Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Go Digit General Insurance Ltd (GODIGIT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Go Digit General Insurance Ltd it is ₹48.98 per share (as of Sep 30, 2026), against a price of ₹256.30. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Go Digit General Insurance Ltd stock overvalued or undervalued in 2026?
As of Sep 30, 2026, GODIGIT trades above its calculated fair value: price ₹256.30, fair value ₹48.98, a gap of about −81% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GODIGIT?
No. The price is what the market pays today (₹256.30); the fair value is what the company's own numbers justify (₹48.98). For Go Digit General Insurance Ltd the two are ₹207.32 per share apart. That gap is exactly why we show both numbers side by side.
How much is Go Digit General Insurance Ltd worth?
The market values Go Digit General Insurance Ltd at about ₹237B (market capitalisation, as of Sep 30, 2026). Per share that is ₹256.30; our models calculate a fair value of ₹48.98 per share.
What do the bullish and bearish scenarios say about GODIGIT?
Our models span a range for Go Digit General Insurance Ltd: cautious scenario ₹43.66, base ₹48.98, optimistic ₹65.41 per share (as of Sep 30, 2026, price ₹256.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GODIGIT?
Go Digit General Insurance Ltd trades at a price-to-earnings ratio of 46.3 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹48.98 is built from several models across several years. Other multiples: P/B 5.1, P/S 2.3, EV/EBITDA 34.7.
How solid is the balance sheet of Go Digit General Insurance Ltd (GODIGIT)?
Balance-sheet figures for Go Digit General Insurance Ltd (as of Sep 30, 2026): return on equity 11.7%, debt of 0.08 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is GODIGIT from its 52-week high?
Go Digit General Insurance Ltd trades at ₹256.30, about 30% below its 52-week high of ₹365.60 and 7% above the low of ₹239.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹48.98 is for.
Which stocks are comparable to Go Digit General Insurance Ltd?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Go Digit General Insurance Ltd stock attractive at the current price?
The data as of Sep 30, 2026: price ₹256.30, calculated fair value ₹48.98 (−81%), Quality Score 51/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GODIGIT calculated?
We run Go Digit General Insurance Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹48.98, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Go Digit General Insurance Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Go Digit General Insurance Ltd (GODIGIT)?
The closing price on Oct 1, 2026 was ₹256.30. Our model-based fair value is ₹48.98, about −81% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Go Digit General Insurance Ltd right now?
The price sits above even our optimistic bull case (₹65.41). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (51/100) 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.
Key figures of Go Digit General Insurance Ltd
How large is the market capitalisation of Go Digit General Insurance Ltd (GODIGIT)?
The market capitalisation of Go Digit General Insurance Ltd is ₹237B (≈ $2.5B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Go Digit General Insurance Ltd (GODIGIT)?
The price-to-sales ratio of Go Digit General Insurance Ltd is 2.41 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Go Digit General Insurance Ltd (GODIGIT)?
Earnings per share at Go Digit General Insurance Ltd are ₹5.53 (price ÷ EPS = P/E 46.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Go Digit General Insurance Ltd (GODIGIT)?
The dividend yield of Go Digit General Insurance Ltd is 0.1% (payout 6.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Go Digit General Insurance Ltd (GODIGIT)?
The net margin of Go Digit General Insurance Ltd is 5.2% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Go Digit General Insurance Ltd (GODIGIT)?
The return on equity (ROE) of Go Digit General Insurance Ltd is 11.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Go Digit General Insurance Ltd (GODIGIT)?
On an EBIT basis the return on assets of Go Digit General Insurance Ltd is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Go Digit General Insurance Ltd (GODIGIT)?
The operating margin of Go Digit General Insurance Ltd is 4.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Go Digit General Insurance Ltd (GODIGIT)?
Revenue at Go Digit General Insurance Ltd is growing +8.6% versus a year earlier (3y avg +20.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Go Digit General Insurance Ltd (GODIGIT)?
Earnings per share at Go Digit General Insurance Ltd are growing −37.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Go Digit General Insurance Ltd (GODIGIT) carry?
The net debt of Go Digit General Insurance Ltd is ₹1.3B (fiscal year 2026, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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