Go Digit General Insurance (GODIGIT) Q4 25/26 earnings summary

Executive summary

• Gross written premium for FY 2026 reached INR 11,300 crore, reflecting strong year-over-year growth and increased market share in motor and overall segments.

• Net earned premium rose to ₹8,414 crore in FY 2026.

• Profit after tax (Ind AS) for FY 2026 was ₹764 crore, up from ₹516 crore in FY 2025, indicating improved profitability.

• Customer base expanded to 8.4 crore, with 1.67 crore policies sold in FY 2026.

• Audited financials for FY 2026 were prepared under new Indian Accounting Standards (aligned with IFRS), enhancing comparability and compliance.

Financial highlights

• Profit before tax for Q4 FY 2026 was INR 239 crore, up from INR 142 crore year-over-year; profit after tax for FY 2026 was ₹764 crore.

• Annual ROE (post-tax) stood at 17.7% on Indian GAAP net worth of INR 4,600 crore.

• Combined ratio improved to 105.7% for FY 2026 (down 1.2% year-over-year).

• Assets under management (AUM) grew to ₹23,000 crore, up 16.3% year-over-year.

• Solvency ratio improved to 2.42 as of March 31, 2026.

Outlook and guidance

• Focus remains on profitability over top-line growth, especially in commercial lines and fire segment.

• Plans to participate directly in crop insurance tenders, with capability building underway.

• Management emphasizes growth, technology adoption, and expanding distribution partnerships.

• Expectation of regulatory action to reduce acquisition costs and improve industry cost structure.

• Forward-looking statements highlight risks from regulatory changes, market volatility, and macroeconomic factors.