NSE: GICRE - General Insurance Corporation of India

Yield per half year: -2.54%
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 ₹		1 408.14	949.46	405.92	268.15	294.92	223.3	349.64		354.48	308.39	-2.94
Выручка, млрд ₹	195.35	308.09	434.35	444.05	514.65	485.58	501.23	471.65	78.96	78.96	410.41	-31.26
Чистая прибыль, млрд ₹	28.23	31.41	31.46	27.58	-1.86	19.92	23.86	66.86	66.86	66.86	35.13	-304.71
EV, млрд ₹				294.62	30.43	179.38	-8.9	-4.04	339.51	339.51	107.28	62.00
EBIT, млрд ₹	31.56	35.59	35.9	39.24	-1.45	31.6	38.16	81.11	80.08	80.08	45.90	-323.06
EBITDA, млрд ₹	31.65	35.68	35.98	39.39	-1.27	31.75	38.3	81.21	80.2	80.2	46.04	-329.13
Баланс стоимость, млрд ₹	184.18	199.69	327.93	338.94	271.95	324.63	360.08	451.85	419.35	419.35	365.57	9.05
FCF, млрд ₹	59.7	80.78	88.21	75.64	86.14	132.78	89.92	115.88	111.39	111.39	107.22	5.28
Операционный денежный поток, млрд ₹	60.13	80.82	88.37	76.04	86.17	132.84	90.07	117.22	111.44	111.44	107.55	5.28
Операционная прибыль, млрд ₹	31.56	35.59	35.9	39.24	-1.45	31.6	38.66	82.71	73.3	73.3	44.96	-319.15
Операционные расходы, млрд ₹	-163.79	-272.5	-398.46	-404.92	514.68	454.06	451.2	381.74	78.96	78.96	376.13	-31.27
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

	2017Q2	2017Q4	2018Q4	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹		1 408.14	526.71	442			228.33			246.38				248.34				459.97					325.00	0.80
Выручка, млрд ₹													124.04	113.04	104.64	110.21	131.77	109.24	104.04	129.21	122.64	113.74	115.77	0.81
Чистая прибыль, млрд ₹													22.17	12.32	27.29	9.78	16.89	14.39	28.02	14.01	18.56	16.77	18.35	3.11
EV, млрд ₹											-9.34	-17.35	-21.89		-4.04	80.51	160.1		339.54	452.39	438.27	527.59	383.58	26.93
EBIT, млрд ₹											72.14	15.81	46.41	22.83	67.91	21.47	32.81	31.57	35.78	15.12			27.35	-6.77
EBITDA, млрд ₹											36.89	10.46	24.75	12.98	32.96	11.81	18.17	18.09	0.2629	14.9			12.65	4.76
Баланс стоимость, млрд ₹													387.94	637.3	451.85	366.64	477.74	750.72	419.35	432.65	598.4	595.81	559.39	-4.52
FCF, млрд ₹	32.15																						32.15	0.00
Операционный денежный поток, млрд ₹					86.17	52.2		132.84	45.45	22.44	22.44	22.44	22.44		117.22		55.9						48.09	20.03
Операционная прибыль, млрд ₹											36.89	10.46	24.75	12.98	32.96	11.81	18.17	18.09	0.2629	15.12			12.69	5.07
Операционные расходы, млрд ₹													-99.29	-100.06	-71.68	98.99	-113.61	14.28	21.24	128.65	122.64	113.74	80.11	51.44
CAPEX, млрд ₹					0.0299	0.0276		0.0603	0.0339	0.0405	0.0405	0.0405	0.0405		1.34		0.0073						0.2938	-29.01

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			97.79	122.31	142.57	129.33	161.07	185.89	214.51	237.02	248.55	248.55	209.41	9.06
Short Term Investments ₹			25.89	42.37	17.72	20.68	23.26	14.09	5	5	11.53	11.53	11.78	-13.10
Long term investments ₹	136.75	177.2	192.99	662.32	738.27	819.1	709.18	939.9	1 046.77	1 147.38			932.47	6.97
Total Receivables ₹			0.1757	1.35	0.8474	2.42	12.88	17.78	21.61	0.2464	90.83	90.83	28.67	47.80
Total Current Assets ₹			97.79	122.31	160.29	129.33	161.07	185.89	214.51	237.02	248.55	248.55	209.41	9.06
Чистые активы, млрд ₹		1.19	1.76	1.53	1.64	1.84	1.74	1.64	1.61	2.97		2.97	1.96	10.05
Активы, млрд ₹			761.03	970.79	1 130.39	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 ₹			576.85	771.11	802.46	883.15	933.86	1 078.01	1 158.33	1 175.46	1 291.96	1 291.96	1127.52	6.71
Чистый долг, млрд ₹			-97.79	-122.31	-142.57	-129.33	-161.07	-185.89	-214.51	-237.02	-248.55	-248.55	-209.4080	9.06
Interest income ₹			2.33	0.5094	1.07	3.51	4.29	2.24	4	6.08			4.02	11.61
Расходы на обслуживание долга ₹			0.0075	0.0563	0.0937	0.0837	0.2741	0.6312	0.6275	0.6275	0.0073	0.0073	0.4335	-51.57
Чист. проц. доходы, млрд ₹				-0.0563	-0.0937	-0.0837	-0.2741	-0.6312	-0.6275	6.08		6.08	0.8927	-335.63
Goodwill ₹		0.3787	0.3787	0.3787	0.2738	0.2738	0.2738	0.2738	0.2738	0.2738			0.2738	0.00
Амортизация, млрд ₹			0.0945	0.0946	0.0779	0.1443	0.1875	0.1495	0.1375	0.0969	0.1186	0.1186	0.1380	-8.75
Себестоимость, млрд ₹	146.89	147.1	165.22	269.73	394.8	405.78					-385.63	-385.63	169.98	-218.47

	2017Q2	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹															214.51	219.32	228.98		237.02	235.28	236.92		248.55	244.16	255.77	252.5	247.58	1.28
Short Term Investments ₹	14.6				20.68				23.26		14.09			5	5				331.27				1.52	1.4			68.84	-22.48
Long term investments ₹										881.12	939.9	981.24	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 ₹	0.0038				153.28				12.88		17.78				21.61				0.2464				90.83				28.67	47.80
Total Current Assets ₹													192.25	204.92	214.51	219.32	228.98		237.02	235.28	236.92		248.55	244.16			240.39	0.60
Чистые активы, млрд ₹											1.64	1.7	1.69	1.67	1.61	1.76	1.75		2.97	2.93	2.91						2.46	10.58
Активы, млрд ₹															1 518.41	1 539.99	1 585.1		1 627.31	1 699.48	1 735.49		1 844.52	1 929.38	2 014.71	1 961.6	1897.14	2.48
Задолженность, млрд ₹															1 158.33	1 184.43	1 274.19		1 044.49	1 332.84	1 365.38		1 425.17	1 496.73	1 416.31	1 365.79	1413.88	0.01
Чистый долг, млрд ₹															-214.51	-219.32	-228.98		-237.02	-235.28	-236.92		-248.55	-244.16	-255.77	-252.5	-247.5800	1.28
Interest income ₹												1.5	0.2061	0.2461	2.06	3.61	3.55	0.4224	1.51	0.5718	1.16						1.44	-20.04
Расходы на обслуживание долга ₹															0.6275				0.8075								0.7175	13.44
Чист. проц. доходы, млрд ₹															2.06	3.61	3.55	0.4224	1.51	0.5718	1.16						1.44	-20.04
Goodwill ₹											0.2738	0.2738	0.2738	0.2738	0.2738	0.2738	0.2738		0.2738	0.2738	0.2738						0.2738	0.00
Амортизация, млрд ₹															-35.25	-5.34	-21.66	-9.86	-34.95	-9.66	-14.65	-13.48	-35.52	-0.2155			-14.7051	-53.26
Себестоимость, млрд ₹	134.1	150.07	131.57	70.94		176.42	141.35	106.92																			125.44	-4.06

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			15.72	-1.59	11.35	13.6	38.11	38.11		38.11	19.92	-288.77
Цена акции ао	753.7	259	226.4	139.1	140.8	178.75	308.05	444.25	384.95	384.95	291.36	22.28
Число акций ао, млн	1754.4	1755.07	1755.15	1753.95	1750.62	1754.4	1754.4	1754.36		1754.36	1753.55	0.00
FCF/акцию	46.05	50.26	43.1	49.11	75.85	51.25	66.05	63.49		63.49	61.15	5.27

	2017Q4	2018Q4	2019Q4	2020Q4	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	15.97	7.98	10.58	9.56	10.46	3.12
Цена акции ао					164.47	140.74	128.42	118.43	120.82	141.55	158.39	169.82	207.71	262.18					187.93	13.12
Число акций ао, млн	1754.4	1755.07	1755.15	1753.95		1750.62				1754.4				1754.4					1753.70	-0.01

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	15.33	15.73	9.59	8.14	-0.6856	6.13	6.97	16.47	15.35		15.35	16.86	8.85	-286.21
ROA, %	3.71	3.24	2.78	2.26	-0.1546	1.42	1.63	4.25	3.85		3.85	4.25	2.20	-290.22
ROS, %		10.19	7.24	6.21	-0.3623	4.1	4.76	14.18	84.68	84.68	84.68	54.68	38.48	83.23
ROCE, %		17.82	10.95	11.58	-0.5344	9.73	2.58	5.11	7.69	14.49	14.49	8.81	7.92	8.29
Ebit margin, %					-0.6571	6.44	7.61	17.2	101.42	101.42	101.42		46.82	73.56
Рентаб EBITDA, %		11.58	8.28	8.87	-0.246	6.54	7.64	17.22	101.57	101.57	101.57	61.11	46.91	73.08
Чистая рентаб, %	14.45	10.19	7.24	6.21	-0.3623	4.1	4.76	14.18	84.68		84.68	54.68	21.47	-397.68
Operation Margin, %		11.55	8.26	8.84	-0.2815	6.51	7.71	17.54	92.84	92.84	92.84	57.48	43.49	70.15
Доходность FCF, %		5.74	9.29	18.63	32.12	45.02	40.27	33.14					33.84	12.21

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %					5.71	1.93	6.04	2.67	3.58	2.89	5.52	2.74	3.47	3.16	16.86	3.56	1.80
ROA, %			1.28	0.4736	1.4		1.68	0.5753	0.9834		3.04	0.7423	0.941	0.8433	4.25	1.31	-3.03
ROS, %					17.87	10.9	26.08	8.87	12.82	13.17	26.93	10.84	15.13	14.74	54.68	16.16	2.28
ROCE, %	9.18	0.384	20.03	4.45	14.93		11.65	5.86	2.95		3.06	0.9637			8.81	4.90	-39.25
Ebit margin, %									24.9	28.9	34.39	11.7				24.97	-17.21
Рентаб EBITDA, %			29.64	7.97	19.95	11.48	31.5	10.72	13.79	16.56	0.2527	11.53			61.11	10.57	1.47
Чистая рентаб, %					17.87	10.9	26.08	8.87	12.82	13.17	26.93	10.84	15.13	14.74	54.68	16.16	2.28
Operation Margin, %			29.64	7.97	19.95	11.48	31.5	10.72	13.79	16.56	0.2527	11.7			57.48	10.60	1.76

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	44.84	30.18	14.72	-143.81	14.81	8.62	3.48	8.8		8.8	36.52	-21.6200	-157.19
P/BV	7.05	2.9	1.2	0.986	0.9085	0.571	0.5156	1.06		1.06	3.48	0.8082	1.46
P/S	4.57	2.19	0.9141	0.521	0.6074	0.4102	0.494	7.45		7.45	11.05	1.90	70.24
P/FCF	17.43	10.76	5.37	3.11	2.22	2.48	3.02	3.18	3.18	3.18	9.34	2.82	7.45
E/P	0.0223	0.0331	0.0679	-0.007	0.0675	0.1069	0.1912	0.1886	0.1886	0.1886	0.39	0.1486	22.81
EV/EBITDA			7.37	-13.34	5.41	-0.2323	-0.0497	4.23		4.23	160.68	-0.7964	-179.48
EV/EBIT				-9	5.43	-0.2332	-0.0498	4.24	4.24	4.24		2.73	-4.83
EV/S				0.0591	0.3501	-0.0178	-0.0086	4.3	4.3	4.3	13.57	1.78	65.14
EV/FCF				0.3532	1.28	-0.099	-0.0349	3.05	3.05	3.05	11.99	1.45	18.96
Debt/EBITDA							0	0	0	0	139.52
Netdebt/Ebitda	-3.43	-3.96	-3.28	127.24	-5.85	-5.6	-2.92	-3.1	-3.1	-3.1	-122.79	-4.1140	-11.93
Debt/Ratio							0	0	0	0	0.30
Debt/Equity							0	0	0	0	5.37
Debt/Net Income							0	0	0	0	13.96
Бета							3.55	-2.37	0.4379	0.4379	0.99	0.5393	-50.22
Индекс Альтмана	2.22	1.53	0.8914	0.6816	0.6878	0.6084	0.7656	0.3875	0.3113	0.3113	0.33	0.5521	-14.66

	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/E								4.12	20.15	3.37	4.41	5.99	8.06	8.51	9.5	9.26	10.09		36.52	9.08	4.60
P/BV								0.5338	0.3897	0.3998	0.8613	1.07	0.6127	1.4	1.61	1.16	1.31		3.48	1.22	16.41
P/S								0.4207	2.2	0.4926	0.6988	0.8637	1.21	1.29	1.47	1.49	1.66		11.05	1.42	6.53
E/P	0.0072	-0.0234	0.0408		0.0058				0.0496				0.0313						0.39	0.0208	-205.99
EV/EBITDA						-0.237	-0.2701	-0.2842		-0.0498	6.82	2.11		7.02	8.8				160.68	4.94	-381.48
EV/EBIT												4.88		9.49	29.93					14.77	83.05
EV/S											0.7305	1.21		3.26	3.5	3.57	4.64		13.57	3.24	30.84
Netdebt/Ebitda				-12.4	-97.01	-5.81	-20.96	-9.25		-7.19	-19.92	-13.04		-945.42	-16.39				-122.79	-200.3920	17.92
Бета																		0.4379	0.99	0.4379	0.00
Индекс Альтмана		0.4351	0.3195		0.2671													0.3113	0.33	0.3333	-8.03

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	3.31	5.4	8.6	10.02	11.84	11.84	11.84	3.95	12.63		12.63		10.42	1.30
Дивиденд				13.5	6.75			2.25	7.2	10	10		7.94	-5.83
Див доход, ао, %				2.5	2.92	4.64		2.04	3.11	4.33	4.33	1.40	3.41	8.20
Дивиденды / прибыль, %		19.13	27.38	31.85	42.94	-635.12	59.46	16.54	5.9	18.89	18.89	18.33	-106.8660	-149.51

	2018Q3	2019Q3	2020Q1	2021Q4	2022Q1	2022Q2	2022Q3	2023Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		11.84	11.84	1.97	1.97	1.97	1.97	3.95	12.63		4.50	45.01
Дивиденд	13.5	6.75				2.25			7.2		7.42	-14.54
Див доход, ао, %	3.41	3.41				1.9			3.47	1.40	3.05	0.44
Дивиденды / прибыль, %		-181.46	90.42	139.19	10.19	27.06	8.9	14.46	74.79	18.33	27.08	48.98

	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