Go Digit General Insurance Ltd (GODIGIT) is a digital-first, tech-driven general insurance company offering motor, health, travel, property, and commercial insurance products. Incorporated in 2017 as a joint venture between Fairfax Financial Holdings (promoter with 73.03% stake) and Indian promoters, the company has rapidly gained market share through its app-based, paperless model and AI-powered claims processing. With strong profit growth (133.89% YoY), improving underwriting discipline, and rising gross written premium (GWP), Go Digit is emerging as a credible disruptor in India’s ₹2.5 lakh crore general insurance sector. This article provides a data-backed outlook on the Go Digit share price target 2026–2030.
Go Digit General Insurance Ltd: Company Overview
- Founded: 2017
- Headquarters: Bengaluru, Karnataka
- Key Segments: Motor Insurance (60%+ of GWP), Health, Travel, Property, Commercial
- Business Model: Fully digital—no physical branches; 95%+ policies sold online
- Market Position: Among the top 5 private general insurers by motor segment growth; fastest-growing in health insurance
Go Digit leverages technology to reduce acquisition costs, improve claim settlement ratios (~95%), and enhance customer experience—making it a favourite among young, urban policyholders.
Go Digit General Insurance Ltd: Key Financial Snapshot
| Metric | Value |
|---|---|
| Current Share Price | ₹333.00 |
| Market Capitalization | ₹30,764.90 Cr |
| No. of Shares Outstanding | 92.43 Cr |
| 52-Week High / Low | ₹381 / ₹265 |
| P/E Ratio (TTM) | 60.26 |
| P/B Ratio | 6.81 |
| EPS (TTM) | ₹5.52 |
| Book Value (TTM) | ₹48.87 |
| ROE | 12.98% |
| ROCE | 11.73% |
| Dividend Yield | 0.00% |
| Face Value | ₹10 |
| Cash | ₹239.05 Cr |
| Total Debt | ₹350 Cr |
| Debt-to-Equity | 0.08 |
| Sales Growth (YoY) | 26.92% |
| Profit Growth (YoY) | 133.89% |
| Promoter Holding | 73.03% |
Go Digit General Insurance Ltd Share Price Target Forecast (2026–2030)
| Year | Target Price Range (₹) |
|---|---|
| 2026 | ₹360 – ₹400 |
| 2027 | ₹390 – ₹440 |
| 2028 | ₹420 – ₹490 |
| 2029 | ₹450 – ₹540 |
| 2030 | ₹480 – ₹590 |
Go Digit General Insurance Ltd Share Price Target 2026
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2026 | ₹360 | ₹400 |
Go Digit reported 133.89% YoY profit growth and 26.92% sales growth in FY2025, driven by strong motor and health insurance uptake. Despite a high P/E of 60x, the company’s asset-light model, low leverage, and digital efficiency justify a premium valuation. A 2026 target of ₹360–₹400 assumes continued GWP expansion and stable combined ratio (~98%).
Go Digit General Insurance Ltd Share Price Target 2027
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2027 | ₹390 | ₹440 |
The company’s focus on profitable segments (e.g., private car, retail health) and automation should support margin improvement. If EPS reaches ₹6.50–₹7.00 by FY27 and P/E holds at 60–62x, the 2027 range of ₹390–₹440 is realistic.
Go Digit General Insurance Ltd Share Price Target 2028
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2028 | ₹420 | ₹490 |
By 2028, benefits from scale, lower customer acquisition cost, and cross-selling should reflect in profitability. Assuming EPS of ₹7.00–₹7.80 and P/E of 60–63x, the ₹420–₹490 band is justified.
Go Digit General Insurance Ltd Share Price Target 2029
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2029 | ₹450 | ₹540 |
Long-term tailwinds include India’s low insurance penetration (only 5.2% of GDP vs global avg. 7%) and rising awareness post-pandemic. Risks include pricing competition and regulatory changes. Using a P/E of 62–65x on projected EPS (~₹7.20–₹8.30), the 2029 target is ₹450–₹540.
Go Digit General Insurance Ltd Share Price Target 2030
| Year | Share Price Target 1 | Share Price Target 2 |
|---|---|---|
| 2030 | ₹480 | ₹590 |
Over a five-year horizon, Go Digit’s value lies in its scalable digital platform and first-mover advantage in insurtech. A terminal P/E of 63–66x on FY30 EPS (~₹7.60–₹8.90) supports the ₹480–₹590 range.
Go Digit General Insurance Ltd: Shareholding Pattern
| Category | Holding (%) |
|---|---|
| Promoters (Fairfax + Indian partners) | 73.03% |
| Domestic Institutional Investors (DII) | 14.34% |
| Foreign Institutional Investors (FII) | 8.26% |
| Public & Retail | 4.38% |
| Others | 0.00% |
High promoter holding ensures strategic alignment, while rising institutional interest reflects confidence in the business model.
Go Digit General Insurance Ltd: Strengths vs Risks
Strengths:
- 133% YoY profit growth with improving underwriting discipline
- Fully digital, low-cost distribution model
- Strong solvency ratio (2.30x as of Q3 FY26)
- Backed by Fairfax Financial—a global insurance leader
Risks:
- Zero dividend yield—no income for investors
- P/E of 60x leaves little room for execution misses
- Intense competition from ICICI Lombard, HDFC ERGO, and ACKO
- Regulatory scrutiny on pricing and claims practices
Investment Suitability
| Factor | Assessment |
|---|---|
| Risk Profile | High |
| Ideal Time Horizon | 5+ years |
| Volatility | Very High (small-cap insurance stock) |
| Dividend/Income Potential | None (0% yield) |
| Best For | Aggressive growth investors betting on India’s digital insurance boom |
Final Verdict
Go Digit General Insurance combines innovation, growth, and operational efficiency—but trades at a rich valuation. While not suitable for conservative or income-focused investors, it offers compelling exposure to India’s underpenetrated insurance market. Our Go Digit share price target 2026–2030 (₹360 to ₹590) reflects cautious optimism—rooted in growth, not speculation.
Disclaimer: Price targets are estimates based on publicly available data and sector analysis. They are not investment advice. Consult a SEBI-registered advisor before making decisions.
Sources
- Screener.in – Go Digit Consolidated Page (FY2025 + TTM)
- Finology Ticker – GODIGIT Financial Ratios & Valuation
- Go Digit Investor Presentation (Q3 FY26, Jan 2026)
- IRDAI General Insurance Annual Report 2025
- BSE India – Annual Report FY2025
