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A source-linked quarter view: reported numbers, management language, guidance, and the risks that should carry forward.
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Revenue
₹11,300 Cr
verification pending
Revenue YoY
16.2%
reported change
EBITDA
Pending
latest reported figure
Source
bse pending
record provenance
Actual signal trajectory
Where this quarter sits.
Quarter read
What the record says.
Go Digit reported a strong Q4 FY26 with gross direct premium of 11,300 crore, up 16.2% YoY, and PAT of 1,759 crore (up 49% YoY). The combined ratio improved to 105.7% (down 1.2pp YoY). Growth was driven by two-wheeler (up 52% to 556 crore) and fire segments, while health reinsurance was dropped due to poor profitability. The company transitioned to Indian Accounting Standards (IFRS-aligned) and reported an ROE of 17.7%. Management guided for continued focus on underwriting discipline, new specialty lines, and expects regulatory action on expense management to benefit the industry. Key risk: sustained competitive pressure in motor and health segments could pressure margins.
Colored figures show movement against the previous available record.
Guidance to track
- Management plans to develop niche commercial lines, aiming for ~1,000 crore premium over 3-5 years.
- Corrective actions taken in Q4 should stabilize motor OD loss ratio by July-September 2026, then reduce.
- Company plans to participate directly in crop insurance tenders in FY27, building on capability development.
Risks flagged
- No TP price hike for fifth consecutive year; industry loss ratios may remain under pressure.
- Company's EUM is above peers due to business mix; regulatory action on expense management may impact growth.
- Net loss ratio in fire increased due to two large claims; gross ratio stable but net impacted by reinsurance costs.
Key quotes
- Our focus would not be on the top line. Our focus will be how do we protect the bottom line.
- We don't drive ourselves to a line of business mix because we don't think there is an ideal line of business mix.
- If pricing becomes too tight, we don't have to go for that additional 5-6% growth which will destroy profitability.
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