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

Executive summary

• Gross written premium for FY 2026 reached INR 11,300 crore, with 1.67 crore policies sold and 8.4 crore customers covered since inception.

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

• Net earned premium for FY 2026 was INR 8,414 crore, with profit after tax at INR 764 crore under Ind AS and INR 544 crore under IGAAP.

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

• Customer satisfaction scores remain strong, and the partner network continues to expand.

Financial highlights

• Gross premium written for FY 2026 was INR 11,294 crore, up from INR 10,282 crore in FY 2025.

• Profit after tax for FY 2026 was INR 764 crore (Ind AS), with profit before tax for Q4 at INR 239 crore.

• Combined ratio improved to 105.7% (Ind AS) for FY 2026; Q4 combined ratio was 105.8%.

• Annual ROE (post-tax, Ind AS) stood at 17.7% for FY 2026.

• 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.

• Management emphasizes technology, customer experience, and expanding product offerings.

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

• Specialty commercial lines targeted for growth, aiming for INR 1,000 crore premium in 3-5 years.

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