Go Digit General Insurance (GODIGIT) Q3 25/26 earnings summary

Executive summary

• Merger of holding company with the insurer completed, increasing promoter shareholding by 0.03% at a premium to market price; no change in management or operations.

• Unaudited financial results for the quarter and nine months ended December 31, 2025, were reviewed and approved by the Board on January 22, 2026.

• Gross Written Premium (GWP) for 9M FY2026 reached ₹8,558 crore, up from ₹7,706 crore in 9M FY2025, with 1.21 crore policies sold and 8.1 crore customers covered since inception.

• Profit after tax for Q3 FY2026 was ₹140 crore, compared to ₹119 crore in Q3 FY2025; all accumulated losses have been wiped off in the current quarter.

• Strong digital capabilities and cost discipline drive best-in-class management expense ratio.

Financial highlights

• Q3 GDPI grew 20.9% year-over-year to INR 2,557 crore; gross written premium up 8.7% to INR 2,909 crore.

• Net earned premium for Q3 FY2026 was ₹2,160 crore, up from ₹2,084 crore in Q3 FY2025.

• Profit after tax for the quarter: ₹11,852 lakhs, up from ₹6,424 lakhs YoY.

• Combined ratio under IFRS improved to 105 from 106.2 year-over-year; nine-month combined ratio at 105.6 vs. 106.9.

• AUM reached INR 22,509 crore, up 18.8% year-over-year.

Outlook and guidance

• No formal guidance provided due to unpredictability of claims and market events; management remains optimistic but cautious.

• Forward-looking statements highlight potential risks from regulatory changes, economic conditions, and market volatility.

• Results are not indicative of full-year performance due to industry seasonality.