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General Insurance Corporation of India
Fundamental Score
General Insurance Corporation of India Share Price & Market Analysis
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of GICRE across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Attractive Valuation (P/E: 7.44 vs Industry: 40.23)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (80.67%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Excellent EPS Growth (105.29% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (105.29% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Cash Generation (₹35638.10 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
2 factors identified
Limited Growth History (-0.29% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Limited Public Float (82.40% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for General Insurance Corporation of India
About GICRE
Company Details
Market Information
Performance
GICRE Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of GICRE?
GICRE is currently trading at ₹385.15 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of GICRE shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of GICRE and what does it mean?
GICRE has a P/E ratio of 7.44x compared to the industry average of 40.23x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹7 for every ₹1 of annual earnings. This is lower than the industry average, which might indicate undervaluation or slower growth expectations.
How is GICRE performing according to Bull Run's analysis?
GICRE has a Bull Run fundamental score of 64.8/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 10.99%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does GICRE belong to?
GICRE operates in the Insurance industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting General Insurance Corporation of India. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
What is Return on Equity (ROE) and why is it important for GICRE?
GICRE has an ROE of 10.99%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently General Insurance Corporation of India generates profits from shareholders' equity. An ROE of 11% means the company generates ₹11 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is GICRE's debt-to-equity ratio and what does it indicate?
GICRE has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. This means the company has ₹0 of debt for every ₹100 of equity. This conservative approach provides financial stability but may limit growth potential.
What is GICRE's dividend yield and is it a good dividend stock?
GICRE offers a dividend yield of 2.76%, which means you receive ₹2.76 annual dividend for every ₹100 invested. This provides moderate dividend income along with potential capital appreciation. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
How has GICRE grown over the past 5 years?
GICRE has achieved 5-year growth rates of: Sales Growth -0.29%, Profit Growth 105.29%, and EPS Growth 105.29%. These growth metrics show the company's ability to expand its business and improve profitability over time. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
What is the promoter holding in GICRE and why does it matter?
Promoters hold 82.40% of GICRE shares, with 0.00% of promoter shares pledged. This high promoter holding indicates strong management confidence and alignment with shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: 0.00%.
How does GICRE compare with its industry peers?
GICRE trades at P/E 7.44x vs industry average 40.23x, with ROE of 10.99% and ROCE of 13.32%. The stock appears undervalued relative to peers based on P/E ratio. Peer comparison helps identify whether GICRE is outperforming its competitive set in profitability, growth, and valuation metrics.
What is GICRE's market capitalization and what category does it fall into?
GICRE has a market capitalization of ₹63676 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for GICRE?
Key ratios for GICRE: ROE 10.99% (Good), ROCE 13.32%, P/E 7.44x, Debt-to-Equity 0.00, Interest Coverage N/Ax. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is GICRE stock and what is its beta?
GICRE has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for GICRE?
GICRE has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹385.15, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in GICRE?
Key risks for GICRE include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 0.00), and operational challenges. The stock has a Fundamental Score of 64.8/100, indicating moderate risk requiring careful monitoring. Sector-specific risks in Insurance include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is GICRE's operating profit margin and how has it trended?
GICRE has a 5-year average Operating Profit Margin (OPM) of 12.27%, which is good and shows decent operational efficiency. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. Monitor margin trends to assess management's ability to control costs and improve efficiency. Compare with industry peers to understand relative performance.
How is GICRE's quarterly performance in terms of sales and profit growth?
GICRE's recent quarterly performance shows YoY Sales Growth of 13.48% and YoY Profit Growth of 80.67%. This shows decent growth momentum in the business. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in GICRE?
GICRE has FII holding of 2.12% and DII holding of 13.29%, totaling 15.41% institutional ownership. This institutional participation level shows the confidence of professional money managers. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.