Go Digit General Insurance Limited has informed the Exchange about Transcript
GODIGIT · price
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Go Digit filed the transcript of its Q4 and FY25 earnings call held on April 28, 2025. The company posted a Gross Written Premium of Rs. 10,282 crore for FY25, up 14% year-on-year, and Rs. 2,652 crore for Q4. Combined ratio on NEP basis improved by 1.4% to 110.8% in FY25 (from 112.2% in FY24), while Q4 improved to 110% from 110.9%. Profit after tax more than doubled to Rs. 425 crore from Rs. 182 crore, with Q4 PAT at Rs. 116 crore. Net worth crossed Rs. 4,000 crore for the first time, solvency ratio improved to 2.24x, and Assets Under Management neared Rs. 20,000 crore. Expense of Management (EOM) reduced by 2.9% to 33.4% (without 1/n adjustment), Motor market share held steady at 5.92%, and equity allocation was raised to 6.4% from 2.9% in December. Notably, FY25 results carried no capital gains and even a small Rs. 3.4 crore capital loss, indicating the doubled profit came purely from core insurance operations.
Strong underwriting-led profit doubling and EOM reduction of nearly 3% demonstrate genuine operational improvement rather than reliance on market gains, which is a positive signal for shareholders. Steady Motor market share and improving Health loss ratios suggest the company is well-positioned for FY26, though the stock may see limited near-term reaction as this is only a transcript disclosure.