General Insurance Corporation of India
GICRE · Insurance · NSE
₹380
Current Market Price
Fair Value (P/B + Residual Income)
₹476
Discount to FV
+25.2%
Updated 53m ago
YieldIQ Score
65/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
80%
ROE
13.7%
Debt/Equity
0.00
Cost of Equity
9.8%
Market Cap
₹66,676 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
4.5%
Return on capital employed
Revenue CAGR (3Y)
3.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹380.05
Bear case
Discount -14.1%
Base case
Discount +20.2%
Bull case
Discount +38.6%
Ratio Trends
GICRE · last 5 annual periods
ROE
13.7%
ROCE
14.9%
Operating Margin
—
Debt / Equity
—
PE
6.6×
EV / EBITDA
—
Historical Financials
GICRE · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹51.5K Cr | ₹48.3K Cr | ₹46.5K Cr | ₹49.7K Cr | ₹53.9K Cr | +1.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹3817 Cr | ₹8112 Cr | ₹8009 Cr | ₹9175 Cr | — | +24.5% |
| PAT | ₹2386 Cr | ₹6907 Cr | ₹6686 Cr | ₹7432 Cr | ₹9662 Cr | +41.9% |
| EPS (diluted) | ₹13.60 | ₹39.37 | ₹38.11 | ₹42.36 | — | +32.8% |
| CFO | ₹9051 Cr | ₹11.7K Cr | ₹11.1K Cr | — | — | +5.3% |
| CapEx | ₹-15.5 Cr | ₹-134 Cr | ₹-5.7 Cr | ₹-25.4 Cr | ₹-13.8 Cr | — |
| FCF | ₹9035 Cr | ₹11.6K Cr | ₹11.1K Cr | — | — | +5.4% |
| Total Assets | ₹151.8K Cr | ₹162.7K Cr | ₹184.5K Cr | ₹194.8K Cr | ₹205.7K Cr | +7.9% |
| Total Debt | — | — | — | — | — | — |
| Shareholders' Equity | ₹36.0K Cr | ₹45.2K Cr | ₹55.3K Cr | ₹61.5K Cr | ₹70.5K Cr | +18.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
GICRE vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 LTF L&T Finance Limited | -2.6% | 43 | Near Fair Value | 10.7% | — |
 BANKINDIA Bank of India | +34.6% | 50 | Near Fair Value | 11.5% | 6.1× |
 FEDERALBNK The Federal Bank Limited | -3.9% | 64 | Near Fair Value | 10.8% | 14.7× |
 MCX MCX | — | — | Pending | 46.8% | — |
 IOB Indian Overseas Bank | -31.5% | 50 | Above Fair Value | 14.7% | 11.2× |
Click a ticker to view its fair-value analysis.
Dividend History
6 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹29.45/sh
Last payout
2025-09-04
₹10.00
Peak payout
₹13.50
Trailing yield
2.63%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. General Insurance Corporation of India (GICRE.NS) trades at 380.05 vs a model fair value of 476.01, a gap of 25.2%. Piotroski F-score: 7/...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of GICRE →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for GICRE →
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Head-to-head with peers
Compare GICRE side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse GICRENow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.