BSE: GICRE - General Insurance Corporation of India

Yield per half year: -2.94%
Dividend yield: +4.33%
Sector: Financials

Reporting General Insurance Corporation of India

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹										354.48
Выручка, млрд ₹				444.05	514.65	485.58	501.23	471.65	78.96	78.96	410.41	-31.26
Чистая прибыль, млрд ₹	28.23	36.72	31.46	27.58	-1.86	19.92	23.86	69.07	66.86	66.86	35.57	-304.71
EV, млрд ₹										117.45
EBIT, млрд ₹	27.84	38.2	37.44	34.92	-9.38	34.67	33.96	72.08		72.08	33.25	15.60
EBITDA, млрд ₹										74.41
Баланс стоимость, млрд ₹				338.94	271.95	324.63	360.08	451.85	552.57	552.57	392.22	15.23
FCF, млрд ₹				75.64	86.14	132.78	89.92	115.88	111.39	111.39	107.22	5.28
Операционный денежный поток, млрд ₹	60.13	79.01	88.37	76.04	86.17	132.84	90.51	117.22	111.44	111.44	107.64	5.28
Операционные расходы, млрд ₹				405.51	518.31	454.89	463.68	391.34	-0.2923	-0.2923	365.59	-122.40
CAPEX, млрд ₹	0.4259	0.0353	0.1596	0.4025	0.0299	0.0603	0.1545	1.34	0.0568	0.0568	0.3283	13.69

	2019Q2	2019Q3	2019Q4	2020Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹								124.04	113.04	104.64	110.21	131.77	112.01	-272.27	128.65	122.64	113.74	40.95	0.31
Чистая прибыль, млрд ₹								22.17	12.32	27.29	9.78	16.89	14.39	25.8	14.01	18.56	16.77	17.91	3.11
EBIT, млрд ₹	1.04	-8.1	-10.09	-9.61				21.66	9.86	35.22	9.66							13.36	-200.10
Баланс стоимость, млрд ₹					331.97	360.08	355.56	387.94		451.85		477.74		552.57	578.22	598.4	595.81	560.55	4.52
Операционные расходы, млрд ₹								97.28	99.99	74.39	98.67	113.22	93.81	-303.22	113.75	99.77	91.9	19.20	-0.41

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹				129.33	161.07	185.89	214.51	237.02	248.55	248.55	209.41	9.06
Short Term Investments ₹				20.68	23.26	14.09	5	8.73	11.53	11.53	12.52	-13.10
Long term investments ₹				819.2	709.18	939.9	1 046.77	1 147.38			932.49	6.97
Total Receivables ₹	0.1757	1.35	0.8474	2.42	186.55	127.1	111.06	105.54	90.83	90.83	124.22	-13.41
Total Current Assets ₹	207.25	316.41	394.32	396.78	505.55	470.7	479.1	486		486	467.63	4.14
Чистые активы, млрд ₹	1.56	1.53	1.64	1.84	1.74	1.64	1.61	2.87		2.87	1.94	9.30
Активы, млрд ₹				1 222.09	1 205.81	1 402.65	1 518.41	1 627.31	1 844.52	1 844.52	1519.74	8.87
Задолженность, млрд ₹				883.15	933.86	1 078.01	1 158.33	1 175.46	1 291.96	1 291.96	1127.52	6.71
Interest income ₹				38.68	41.48	46.56	50.61				44.33	6.95
Расходы на обслуживание долга ₹				0.0837	0.2741	0.6312	0.6275	0.0067	0.0073	0.0073	0.3094	-51.57
Чист. проц. доходы, млрд ₹				-0.0837	-0.2741	-0.6312	-0.6275			50.61	-0.4041	65.47
Goodwill ₹				0.2738	0.2738	0.2738	0.2738	0.2738			0.2738	0.00

	2019Q2	2019Q3	2019Q4	2020Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2023Q1	2023Q2	2023Q3	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹						204.92	214.51	219.32	228.98	237.02		236.92	248.55	244.16	255.77	252.5	247.58	1.28
Short Term Investments ₹							5						11.53				8.27	51.86
Long term investments ₹					1 033.8	1 032.7	1 046.77	1 037.96	1 094.3	1 147.38		1 256.65					1116.61	3.72
Total Receivables ₹							111.06			0.2464			90.83				67.38	-6.48
Total Current Assets ₹	496.57	492.48	504	581.75					486.88	486	465.92						504.91	-1.56
Чистые активы, млрд ₹	1.94	1.88	1.85	1.79					1.75	2.87	2.93						2.24	9.63
Активы, млрд ₹						1 531	1 518.41	1 539.99	1 585.1	1 627.31		1 735.49	1 844.52	1 929.38	2 014.71	1 961.6	1897.14	2.48
Задолженность, млрд ₹						1 199.03	1 158.33	1 184.43	1 197.16	1 175.46		1 257.75	1 291.96	1 351.16	1 416.31	1 365.79	1336.59	1.66
Goodwill ₹					0.2738	0.2738	0.2738	0.2738	0.2738	0.2738		0.2738					0.2738	0.00

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			15.72	9.59	11.35	13.6	39.37	38.11		38.11	22.40	31.78
Цена акции ао	753.5	258.7	226.4	139	140.55	178.9	308.55	444.05	383.3	383.3	291.07	22.22
Число акций ао, млн			1754.4	1754.4	1754.4	1754.4	1754.4	1754.4		1754.4	1754.40	0.00
FCF/акцию			43.11	49.1	75.68	51.25	66.05	63.49		63.49	61.11	5.27

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
EPS					12.63	7.02	15.56	5.57	9.63	8.2	14.71	7.98	10.58	9.56	10.21	3.12
Цена акции ао	164.49	140.78	128.46	118.43	120.77	141.83	158.37	169.83	207.68	262.12					187.97	13.07

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	8.14	-0.6856	6.13	6.97	17.01	13.31		13.31	13.90	8.55	-280.98
ROA, %	2.26	-0.1546	1.42	1.63	4.39	3.85		3.85	2.81	2.23	-290.22
ROS, %	6.21	-0.3623	4.1	4.76	14.64	84.68	84.68	84.68	59.51	38.57	83.23
ROCE, %	10.3	-3.45	10.68	5.66	10.68		13.05	13.05	2.58	7.32	-230.48
Ebit margin, %		-1.82	7.14	6.78	15.28		91.29	91.29		23.73	-318.81
Рентаб EBITDA, %							94.24	94.24	10.51	94.24	0.00
Чистая рентаб, %	6.21	-0.3623	4.1	4.76	14.64	84.68		84.68	59.51	21.56	-397.68
Operation Margin, %					0	0	0	0	13.65

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %	0.4271	5.38	2.05	5.71		8.57		7.27		7.9	3.18	3.89	2.96	13.90	5.04	-16.45
ROA, %	0.0926	1.28	0.4736	1.4		3.35		1.95		1.44	0.7423	0.941	0.8433	2.81	1.18	-15.44
ROS, %				17.87	10.9	26.08	8.87	12.82	12.85	-9.48	10.89	15.13	14.74	59.51	8.83	2.78
ROCE, %				5.58		3.71								2.58	4.64	-18.46
Ebit margin, %							8.77								8.77	0.00
Чистая рентаб, %				17.87	10.9	26.08	8.87	12.82	12.85	-9.48	10.89	15.13	14.74	59.51	8.83	2.78

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	15.43		18.34	8.62	3.4	8.79		8.79	29.43	10.92	-10.64
P/BV	1.26	0.7058	1.13	0.571	0.5201	1.06		1.06	3.11	0.7974	8.47
P/S	0.9585	0.3729	0.7524	0.4102	0.4983	7.44		7.44	12.16	1.89	81.97
P/FCF					3.06	3.18	3.18	3.18	5.80	3.14	1.29
E/P					0.1948	0.1949	0.1886	0.1886	0.10	0.1928	-1.07
EV/EBIT						1.63	1.63	1.63		1.63	0.00
EV/S					0.249	0.249	1.49	1.49	8.38	0.6627	81.55
EV/FCF						1.05	1.05	1.05	-6.20	1.05	0.00
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0	0	0	0	0.24
Debt/Equity					0	0	0	0	238.79
Debt/Net Income					0	0	0	0	12.31
Бета					3.56	-2.4	0.5214	0.5214	0.91	0.5605	-47.29
Индекс Альтмана					0.7615	0.6719	0.4573	0.4573	1.07	0.6302	-15.63

	2021Q4	2022Q1	2022Q2	2022Q3	2023Q1	2023Q3	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	16.55	6	4.89	4.15	4.09	8.96	8.4	12.28	9.21	10.39		29.43	9.85	3.01
P/BV	0.7428	0.571	0.5714	0.5373	0.5141	0.8285	1.06	1.2	1.16	1.31		3.11	1.11	9.60
P/S	1	0.5548	0.4048	0.4241	0.6454	1.66	-17.23	-68.99	6.16	8.41		12.16	-13.9980	38.34
Бета											0.5214	0.91	0.5214	0.00
Индекс Альтмана											0.4573	1.07	0.4573	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	5.4	8.6	10.02	11.84	11.84	3.95	12.63		12.63		10.06	4.74
Дивиденд			6.75	6.75		2.25	7.2	10	10		6.59	8.18
Див доход, ао, %			1.25	2.92	4.64	1.98	3.19	4.33	4.33	1.40	3.41	8.20
Дивиденды / прибыль, %	19.13	23.42	31.85	42.94	-635.12	16.54	5.71	18.89	18.89	17.81	-110.2080	-15.15

	2018Q3	2019Q3	2022Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	6.75	6.75	2.25	7.2		5.74	1.63
Див доход, ао, %	1.7	3.41	1.9	3.47	1.40	2.62	19.53

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	443	443	0.00

	CAGR 5

	CAGR 5