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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Go Digit General Insurance
Go Digit General Insurance (GODIGIT) investor relations material
Go Digit General Insurance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary5 Nov, 2026
Executive summary
Q2 FY27 insurance revenue was ₹272,049 lakh; reported PAT was ₹14,239 lakh versus ₹20,679 lakh in Q2 FY26.
Q2 PBT excluding MTM and flood loss was ₹341 crore; PAT excluding MTM and flood loss was ₹255 crore.
Net Gujarat flood losses were INR 63 crore versus INR 10 crore in Q2 last year; management prioritized profitability amid soft market conditions and high commissions.
Ind AS reporting began from April 1, 2025, with comparatives restated; management said the transition changes profit-recognition timing, not underlying economics.
Financial highlights
Q2 insurance revenue was ₹272,049 lakh versus ₹267,485 lakh; H1 revenue was ₹538,609 lakh versus ₹515,238 lakh.
Q2 reported PBT was ₹19,018 lakh versus ₹27,630 lakh and PAT was ₹14,239 lakh versus ₹20,679 lakh; H1 PBT was ₹69,614 lakh versus ₹71,922 lakh and PAT was ₹52,100 lakh versus ₹53,823 lakh.
Q2 PBT excluding MTM was ₹278 crore and PAT excluding MTM was ₹208 crore; H1 PBT excluding MTM was ₹597 crore and PAT excluding MTM was ₹447 crore.
Q2 basic EPS was ₹1.54 versus ₹2.24; H1 basic EPS was ₹5.63 versus ₹5.83.
Outlook and guidance
Private-car OD attritional loss ratio improved to 81.1% in Q2 from 85.3% in Q1; management expects the better-priced post-April/May book to improve results as it earns through, with no formal guidance.
Management expects improving fire pricing discipline from mid-September to support results over the next couple of quarters.
Commercial-lines product launched with pricing and rating models developed; quote volumes were below 20, with scale to be assessed after six months.
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Latest events from Go Digit General Insurance
- First-year growth reached ₹104.05 crore in premiums alongside a ₹70.13 crore net loss.GODIGIT
Q4 17/18 - Premium surged to ₹1,205 crore, but FY19 ended with a ₹271 crore net loss.GODIGITQ4 18/19
- Premiums nearly doubled, losses narrowed, and the combined ratio improved to 117.41%.GODIGITQ4 19/20
- Premiums surged 44% as losses narrowed, but the combined ratio remained above 100%.GODIGITQ4 20/21
- Premiums surged 62%, but losses widened and the combined ratio reached 112.66%.GODIGITQ4 21/22
- FY23 returned to profit as GWP reached ₹7,243 crore and the combined ratio improved.GODIGITQ4 22/23
- FY24 premiums and profit surged, while the combined ratio widened and solvency stayed above control.GODIGITQ4 23/24
- Profitability focus led to flat growth, higher combined ratio, and strong solvency at 2.43.GODIGITQ1 26/27
- Profit and premium grew strongly, led by motor segment, with robust solvency and ROE.GODIGITQ4 25/26
Next Go Digit General Insurance earnings date
Q3 26/2721 Jan, 2027
Go Digit General Insurance
Next Go Digit General Insurance earnings date
Q3 26/2721 Jan, 2027
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