General Ins. Corp

₹465.5 -3.3 | 0.7%

WEBSITE BSE:540755 NSE : GICRE 26 Dec, 16:01

Market Cap ₹81667 Cr.

Stock P/E 12.2

P/B 2

Current Price ₹465.5

Book Value ₹ 231.3

Face Value 5

52W High ₹525

Dividend Yield 2.15%

52W Low ₹ 280.3

Edit Ratio

General Ins. Corp Research see more...

Overview Inc. Year: 1972Industry: Insurance

General Insurance Corporation of India is a reinsurance organisation. The Company is engaged in the enterprise of home reinsurance, international reinsurance, and education / lifestyles. The Company's home reinsurance provides reinsurance to the direct widespread insurance corporations inside the Indian market. The Company's international reinsurance business gives reinsurance programmers' of numerous coverage companies in SAARC international locations, South East Asia, Middle East and Africa. The Company segments consist of Fire Insurance, Motor Insurance, Aviation Insurance, Engineering coverage, Health, different Miscellaneous Insurance, Marine Cargo, Marine Hull and Life insurance.

General Ins. Corp Share Price

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Peer Comparison

General Ins. Corp Quarterly Results

#(Fig in Cr.)	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Net Sales	6660	5716	9744	12778	9707	8558	7053
Other Income	1150	1008	1714	1163	1309	1191	1837
Total Income	7810	6723	11458	13940	11017	9748	8891
Total Expenditure	7626	7223	8498	13549	9099	8960	8319
Operating Profit	184	-500	2961	391	1918	788	571
Interest	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0
Profit Before Tax	184	-500	2961	391	1918	788	571
Provision for Tax	-68	-99	388	1	499	115	-180
Profit After Tax	252	-401	2573	390	1419	673	752
Adjustments	-252	401	-2573	-390	-1419	-673	-752
Profit After Adjustments	0	0	0	0	0	0	0
Adjusted Earnings Per Share	1.5	-2.3	15	11.3	8.3	3.8	4.3

General Ins. Corp Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Net Sales	13609	13558	15173	26715	38096	37679	44145	39866	39293	35808	33576	38096
Other Income	2809	2969	2962	3024	3778	4849	5983	6622	7764	8117	8181	5500
Total Income	16418	16527	18134	29739	41874	42528	50128	46488	47058	43925	41757	43596
Total Expenditure	14736	14896	16515	27293	39540	40107	50937	45152	43961	38746	37679	39927
Operating Profit	1682	1631	1620	2446	2333	2421	-809	1336	3097	5179	4078	3668
Interest	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	2303	2827	2957	3624	3668	3434	-446	3163	3560	7749	7878	3668
Provision for Tax	50	134	108	496	435	1210	-87	1243	1554	1437	1381	435
Profit After Tax	2253	2694	2848	3128	3234	2224	-359	1920	2006	6312	6497	3234
Adjustments	0	0	0	0	0	0	0	0	0	0	0	-3234
Profit After Adjustments	2253	2694	2848	3128	3234	2224	-359	1920	2006	6312	6497	0
Adjusted Earnings Per Share	13.1	15.7	16.6	90.9	18.4	12.7	-2	10.9	11.4	36	37	27.7

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-6%	-6%	-2%	9%
Operating Profit CAGR	-21%	45%	11%	9%
PAT CAGR	3%	50%	24%	11%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	49%	51%	15%	NA%
ROE Average	18%	16%	11%	14%
ROCE Average	22%	21%	15%	17%

General Ins. Corp Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	11882	13794	15832	18446	22475	23361	21923	24049	26132	32869	38682
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	30428	39133	35966	45892	45499	48628	36366	51912	56108	57480	70645
Total Current Liabilities	26483	27302	30018	33258	44990	50802	61913	63074	67531	73578	77811
Total Liabilities	68793	80228	81816	97596	112964	122791	120202	139035	149771	163927	187137
Fixed Assets	114	138	170	164	171	197	181	169	170	294	287
Other Non-Current Assets	46087	56136	54804	65080	72218	79873	68781	91326	101332	111453	132261
Total Current Assets	22593	23954	26841	32352	40574	42721	51240	47539	48269	52180	54589
Total Assets	68793	80228	81816	97596	112964	122791	120202	139035	149771	163927	187137

General Ins. Corp Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	8234	8264	7728	9761	12191	14172	12848	15854	18294	21083	23284
Cash Flow from Operating Activities	2806	2571	5802	7782	8662	7016	8225	12824	8420	11349	10744
Cash Flow from Investing Activities	-2422	-2634	-3351	-4271	-5399	-7213	-4335	-10119	-6153	-9595	-8515
Cash Flow from Financing Activities	-687	-387	-650	-1035	-1206	-1428	-1428	0	0	-395	-1263
Net Cash Inflow / Outflow	-302	-450	1801	2476	2057	-1624	2462	2705	2267	1360	966
Closing Cash & Cash Equivalent	8264	7728	9761	12191	14172	12848	15854	18294	21083	23284	24389

General Ins. Corp Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	13.1	15.66	16.56	90.92	18.43	12.68	-2.05	10.95	11.43	35.98	37.03
CEPS(Rs)	13.1	15.66	16.56	90.92	18.43	12.68	-2.05	10.95	11.43	35.98	37.03
DPS(Rs)	5.23	6.28	10	11.65	13.5	6.75	0	0	2.25	7.2	10
Book NAV/Share(Rs)	69.08	80.2	92.05	536.21	128.1	133.16	124.96	137.08	148.95	187.35	220.48
Core EBITDA Margin(%)	-8.29	-9.87	-8.84	-2.16	-3.79	-6.44	-15.38	-13.26	-11.88	-8.2	-12.22
EBIT Margin(%)	16.93	20.85	19.49	13.56	9.63	9.11	-1.01	7.94	9.06	21.64	23.46
Pre Tax Margin(%)	16.93	20.85	19.49	13.56	9.63	9.11	-1.01	7.94	9.06	21.64	23.46
PAT Margin (%)	16.56	19.87	18.77	11.71	8.49	5.9	-0.81	4.82	5.1	17.63	19.35
Cash Profit Margin (%)	16.56	19.87	18.77	11.71	8.49	5.9	-0.81	4.82	5.1	17.63	19.35
ROA(%)	7.56	7.25	7.01	7.13	6.42	4.19	-0.79	4.36	3.69	10.38	8.86
ROE(%)	20.92	20.98	19.23	18.25	15.8	9.71	-1.59	8.35	7.99	21.4	18.16
ROCE(%)	21.38	22.02	19.96	21.14	17.93	14.98	-1.97	13.76	14.19	26.27	22.02
Receivable days	0	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	19.77	19.13	0	18.23	9.96	3.72	8.91
Price/Book(x)	0	0	0	0	2.85	1.82	0.84	1.46	0.76	0.72	1.5
Dividend Yield(%)	0	0	0	0	1.85	2.78	0	0	1.98	5.38	3.03
EV/Net Sales(x)	-0.58	-0.54	-0.62	-0.44	1.31	0.79	0.06	0.42	-0.03	0.01	1
EV/Core EBITDA(x)	-4.66	-4.48	-5.76	-4.81	21.33	12.27	-3.15	12.51	-0.36	0.04	8.22
Net Sales Growth(%)	2.15	-0.37	11.91	76.07	42.6	-1.09	17.16	-9.69	-1.44	-8.87	-6.23
EBIT Growth(%)	-3.31	22.74	4.57	22.57	1.23	-6.39	-112.99	809.32	12.54	117.67	1.66
PAT Growth(%)	-3.9	19.55	5.74	9.8	3.39	-31.21	-116.14	634.8	4.44	214.72	2.93
EPS Growth(%)	-3.9	19.55	5.74	449.02	-79.73	-31.21	-116.14	634.8	4.44	214.72	2.93
Debt/Equity(x)	0	0	0	0	0	0	0	0	0	0	0
Current Ratio(x)	0.62	0.63	0.63	0.66	0.67	0.62	0.61	0.54	0.52	0.52	0.52
Quick Ratio(x)	0.62	0.63	0.63	0.66	0.67	0.62	0.61	0.54	0.52	0.52	0.52
Interest Cover(x)	0	0	0	0	0	0	0	0	0	0	0
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0	0

General Ins. Corp Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	85.78	85.78	85.78	85.78	85.78	85.78	85.78	85.78	85.78	82.4
FII	0.47	0.46	0.53	0.67	0.77	0.86	0.95	0.86	1.05	1.34
DII	10.91	11.08	11.02	11.02	11.03	11.02	11.12	11.06	10.91	13.71
Public	2.84	2.68	2.67	2.53	2.41	2.33	2.15	2.29	2.25	2.55
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	150.5	150.5	150.5	150.5	150.5	150.5	150.5	150.5	150.5	144.56
FII	0.83	0.81	0.92	1.17	1.36	1.51	1.66	1.52	1.84	2.35
DII	19.13	19.43	19.33	19.33	19.35	19.34	19.5	19.4	19.15	24.06
Public	4.98	4.7	4.69	4.44	4.23	4.09	3.77	4.02	3.95	4.47
Others	0	0	0	0	0	0	0	0	0	0
Total	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44	175.44

Pros

Company has delivered good profit growth of 23% CAGR over last 5 years
Company is almost debt free.

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.