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Go Digit General Insurance (GODIGIT) investor relations material

Go Digit General Insurance Q1 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q1 25/26 earnings summary28 Jul, 2025

Executive summary

  • Profit before tax rose 59.4% year-over-year to INR 161 crores, and profit after tax increased 36.6% to INR 138 crores, with ROE at 3.4% and assets under management reaching INR 20,861 crores as of June 30, 2025.

  • Gross Written Premium (GWP) for Q1 2026 was INR 2,982 crores, up 12.1% year-over-year, outpacing industry growth.

  • Unaudited financial results for the quarter ended June 30, 2025, were reviewed and approved by the Board, with no material misstatements identified.

  • Customer base grew to 7.1 crores, and distribution through partner networks expanded.

Financial highlights

  • Combined ratio increased to 108.6% from 105.4% last year, mainly due to lower retention; loss ratio remained stable at 70.3%-70.5%.

  • Expense to GWP ratio rose to 31.4%-38.3% due to higher two-wheeler business share and management expenses.

  • Solvency ratio stood at 2.27x, above the regulatory minimum.

  • Investment yield (excluding capital loss) was 7.2% for Q1 2026; yield on investments (gross of tax, with unrealized gains) was 2.6%.

  • Net worth (equity) as of June 30, 2025, was INR 4,173 crores.

Outlook and guidance

  • Retention in corporate business expected to normalize as large accounts renew; continued discipline in group health and private car business expected to pick up during festival season.

  • Forward-looking statements highlight risks from regulatory changes, economic conditions, and market volatility.

  • Financial results for the quarter are not indicative of full-year performance due to industry seasonality.

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Q2 25/2628 Oct, 2025
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