Go Digit reported Q3 FY26 PAT of ₹140 crore (vs ₹119 crore in Q3 FY25), with profit before tax at ₹163 crore (vs ₹119 crore).
Financial stats pending filing verification
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Competitive pricing and higher renewal mix have pushed motor OD loss ratio to 75.6%. Corrective actions may take time to show results, and further deterioration could pressure profitability.
high · management_commentaryManagement highlighted that the current EUM framework may be revised to a segment-wise basis, which could force changes in product mix and commission structures.
medium · management_commentaryThe company has taken motor reinsurance on a funds-withheld basis to protect against tail risks from electric two-wheelers. If claims experience improves, this cost may prove unnecessary.
low · analyst_questionManagement warned that some competitors offset reinsurance commission against expenses to manage EUM, which may attract GST liability. Digit avoids this practice, potentially putting it at a competitive disadvantage.
medium · management_commentary