Financials General Insurance Corporation of India

Equities

Market Closed - NSE India S.E. Other stock markets 07:05:03 2026-03-13 am EDT			5-day change	1st Jan Change
359.85 ^INR	-2.56%		-1.02%	-5.50%

Feb. 11	General Insurance Corporation of India, Q3 2026 Earnings Call, Feb 11, 2026
Feb. 07	General Insurance Corporation of India Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2025	CI

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	470,144	432,085	365,916	371,818	411,540	521,132	568,520	625,790
Change	-	-8.1%	-15.31%	1.61%	10.68%	26.63%	9.09%	10.07%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	31,634	35,601	77,494	78,779	87,656	96,421	105,239	114,133
Change	-	12.54%	117.67%	1.66%	11.27%	10%	9.14%	8.45%
Net income ¹	19,204	20,057	63,125	64,973	67,014	73,260	79,380	86,096
Change	-	4.44%	214.72%	2.93%	3.14%	9.32%	8.35%	8.46%
Announcement Date	6/29/21	5/27/22	5/25/23	5/28/24	5/26/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2024 Q1	2024 Q2	2024 Q3	2025 Q1	2025 Q2	2025 Q3
Net sales	158,816	106,515	116,685	88,128	142,899	83,747	102,400	-	110,218	-	-	-	-	-	-	-	-
Change	-	-32.93%	9.55%	-24.47%	62.15%	-41.39%	22.27%	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	13,524	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-8,112	4,123	-	-	-11,667	12,138	-1,017	36,148	9,887	24,614	12,951	-	18,476	19,238	-	-	-
Change	-	150.82%	-	-	-	204.03%	-108.38%	3,655.75%	-72.65%	148.95%	-47.38%	-	-	4.13%	-	-	-
Net income ¹	-5,575	2,300	9,874	12,604	-7,717	10,106	-284.8	17,854	6,897	18,599	11,990	7,318	16,051	15,180	10,364	18,608	16,214
Change	-	141.27%	329.22%	27.65%	-161.23%	230.95%	-102.82%	6,368.96%	-61.37%	169.66%	-35.54%	-38.97%	119.34%	-5.43%	-31.73%	79.55%	-12.87%
Announcement Date	9/7/20	11/13/20	2/11/21	6/29/21	8/13/21	11/10/21	2/10/22	5/27/22	8/10/22	11/9/22	2/9/23	8/10/23	11/9/23	2/7/24	8/9/24	11/12/24	2/3/25

¹INR in Million

Estimates

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt ¹	-182,941	-210,831	-	-243,889	-246,365	-237,937	-240,316	-240,316
Change	-	-15.25%	-	-	-1.02%	3.42%	-1%	0%
Announcement Date	6/29/21	5/27/22	5/25/23	5/28/24	5/26/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2020	2021	2022	2023	2024	2025
CAPEX ¹	29.88	60.26	154.5	1,341	56.81	254.1
Change	-	101.7%	156.43%	767.56%	-95.76%	347.25%
Free Cash Flow (FCF) ¹	71,805	131,256	90,303	93,393	84,659	101,609
Change	-	82.8%	-31.2%	3.42%	-9.35%	20.02%
Announcement Date	12/1/20	11/29/21	9/2/22	8/31/23	9/3/24	9/1/25

¹INR in Million

Estimates

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	-	-	-	-	-	-	-
EBT Margin (%)	6.73%	8.24%	21.18%	21.19%	21.3%	18.5%	18.51%	18.24%
Net margin (%)	4.08%	4.64%	17.25%	17.47%	16.28%	14.06%	13.96%	13.76%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	1.52%	1.44%	-	3.87%	3.66%	3.93%	4.16%	4.24%
ROE	8.36%	7.99%	-	16.8%	16.05%	13.86%	13.85%	13.58%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.25	7.2	10	10	11.69	13.42	14.9
Change	-	-	220%	38.89%	0%	16.85%	14.82%	11.07%
Book Value Per Share ¹	137.1	149	205.2	220.5	255.4	353.4	398.4	447.9
Change	-	8.67%	37.74%	7.46%	15.83%	38.39%	12.72%	12.43%
EPS ¹	10.95	11.43	35.98	37.03	38.2	41.85	45.39	49
Change	-	4.38%	214.79%	2.92%	3.16%	9.54%	8.48%	7.95%
Nbr of stocks (in thousands)	1,754,400	1,754,400	1,754,400	1,754,400	1,754,400	1,754,400	1,754,400	1,754,400
Announcement Date	6/29/21	5/27/22	5/25/23	5/28/24	5/26/25	-	-	-