Go Digit General Insurance Limited has delivered a robust performance for the fourth quarter and full financial year ending March 31, 2025. The company’s Profit Before Tax (PBT) surged 2.2x to ₹116 crore in Q4 2025 compared to the previous year, while for the full year FY25, PBT soared 2.3x to ₹425 crore. Impressively, the Profit After Tax (PAT) figures mirrored the PBT growth.

In terms of premium collections, the Gross Written Premium (GWP) witnessed a 10.3% growth year-on-year in Q4 2025 and 14% growth across FY25. Without adjusting for the accounting change (1/n basis), the growth was even higher at 13.5% for Q4 and 15.6% for the full year.

Assets Under Management (AUM) rose substantially by 25% year-on-year, reaching ₹19,703 crore. The company’s solvency ratio, a key metric for insurance stability, improved to 2.24x—well above the regulatory minimum of 1.50x—signifying strong financial health.

While the combined ratio increased slightly to 111.3% in Q4 2025, operational efficiency improved with a better expense ratio of 34.8%. Go Digit continues to leverage technology, predictive underwriting models, and extensive partner networks, solidifying its position as a digital-first, customer-centric insurer.

With over 6.7 crore customers, 1.2 crore policies sold, and a customer satisfaction score exceeding 95%, Go Digit demonstrates sustainable growth momentum and promising returns for stakeholders.

🔹 Point-wise:

➤ Financial Performance
• PBT up 2.2x YoY to ₹116 crore in Q4 2025
• FY25 PBT up 2.3x to ₹425 crore
• PAT growth mirrors PBT performance

➤ Premium Growth
• Q4 2025 GWP up 10.3% to ₹2,576 crore
• FY25 GWP up 14.0% to ₹10,282 crore
• Without 1/n basis: GWP growth at 13.5% (Q4) and 15.6% (FY)

➤ Assets Under Management (AUM)
• AUM rose 25% YoY to ₹19,703 crore

➤ Solvency Ratio
• Improved to 2.24x vs. regulatory minimum of 1.5x

➤ Operational Efficiency
• Expense Ratio improved to 34.8%
• Combined Ratio at 111.3% (Q4)

➤ Company Reach and Service
• 6.7 crore customers served
• 1.2 crore policies sold
• 95.8% customer satisfaction (Motor Claims)

📈 Effect on Share Market:

• Positive Outlook: Strong profitability, growing premium base, and healthy solvency should attract positive investor sentiment.

• Potential Uptrend: Retail and institutional interest may push the stock price higher.

• Volatility Alert: Short-term volatility possible due to slight uptick in combined ratio.

🏢 Few Details About the Company:

• Name: Go Digit General Insurance Limited

• Industry: General Insurance (Non-life)

• Established: 2017

• Core Offerings: Motor, Health, Travel, Property, Marine, Liability insurance

• Unique Strength: Full-stack digital insurance model

• Website: GoDigit.com

🛒 How This Helps Retail Traders:

• Confidence in Fundamentals: Financial strength and growth metrics show long-term viability.

• Dividend/Bonus Potential: Improving profitability may lead to future payouts.

• Opportunity for Early Entry: Strong Q4 and FY25 results may signal sustained growth momentum.

📉 Stock Market Disclaimer

Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.