General Insurance Corporation of India has submitted to the Exchange, the financial results for the period ended March 31, 2026.
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On the reaction day the stock moved 1.5 pts less than Nifty Midcap 150 and 0.5 pts less than its General Insurance peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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GIC Re reported standalone PAT of Rs. 8,39,218 Lakhs for FY 2025-26, up 25.2% from Rs. 6,70,136 Lakhs in the previous year. Gross premiums grew 6.9% to Rs. 44,00,674 Lakhs while net premiums increased 7.2% to Rs. 40,57,125 Lakhs. Operating profit rose 27.7% to Rs. 6,84,996 Lakhs. The combined ratio improved to 106.02 from 108.81, though underwriting loss widened to Rs. 2,67,231 Lakhs. Solvency ratio strengthened to 4.21 from 3.70. EPS improved from Rs. 38.20 to Rs. 47.84. The Board recommended a dividend of Rs. 13.25 per share (265% on Rs. 5 face value). Joint statutory auditors issued unmodified (clean) opinions. Other income includes forex gain of Rs. 46,730 Lakhs.
Strong bottom-line growth with 25% PAT increase and improved solvency ratio are positive for shareholders. The clean audit opinion removes audit-related concerns. However, the underwriting loss and negative operating cash flow of Rs. 65,317 Lakhs warrant monitoring as they indicate reliance on investment income to sustain profitability.