General Insurance Corporation of India Stock Price Today (NSE: GICRE)
Fundamental Score
General Insurance Corporation of India Share Price — Live NSE/BSE Price, Fundamentals & Analysis
General Insurance Corporation of India share price today is ₹362.95, down 1.16% on NSE/BSE as of 30 March 2026. General Insurance Corporation of India (GICRE) is a Large-cap company in the General Insurance sector with a market capitalisation of ₹68.11K (Cr). The 52-week high for GICRE share price is ₹453.80 and the 52-week low is ₹350.25. At a P/E ratio of 7.11x, GICRE is currently trading below its industry average P/E of 44.24x. The company has a Return on Equity (ROE) of 10.99% and a debt-to-equity ratio of 0.00.
General Insurance Corporation of India Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
General Insurance Corporation of India Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
General Insurance Corporation of India Share Price: An ROCE-Focused Analysis
The general insurance sector is undergoing a transformation, driven by increasing risk awareness and digital adoption, creating both challenges and opportunities for established players. This analysis examines the General Insurance Corporation of India (GIC)'s share price of ₹380.55 in light of its Return on Capital Employed (ROCE) performance. A crucial factor impacting future valuation is the company's ability to efficiently deploy capital and generate returns. This is particularly relevant in an industry where effective risk management and underwriting capabilities are paramount.
GIC boasts a PE ratio of 7.11 and a ROCE of 13.32%. The 13.32% ROCE suggests that for every rupee of capital employed, the company generates ₹0.13 in earnings. This level of profitability, derived from its underwriting and investment activities, is a key indicator of operational efficiency. The higher the ROCE, the more effectively a company is using its capital to generate profit. A consistently strong ROCE can widen the company's moat by allowing for reinvestment in growth initiatives, improved technology, and enhanced product offerings.
Compared to its peers, understanding GIC’s management quality is essential. While objective evaluation is complex, comparing GIC with peers like
Niva Bupa Health Insurance Company Ltd can offer insights into relative strengths and weaknesses. Niva Bupa, for example, might have different operational strategies and approaches to risk management, which could impact their respective ROCE figures and ultimately, their attractiveness to investors. Management's ability to adapt to changing market dynamics and regulatory requirements is critical for long-term success.A sustained ROCE of 13.32% could position GIC favorably in a competitive landscape. This figure represents the return available to the company's lenders and equity holders, impacting its ability to attract capital and fund future growth. It's important to observe the trend of the ROCE over time and compare it against industry benchmarks to assess GIC's long-term sustainability and competitive advantage. This analysis forms part of a broader 80-parameter fundamental audit, verified by Sweta Mishra, aimed at providing a comprehensive overview of the company’s financial health and performance. This analysis is observational and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
General Insurance Corporation of India Fundamental Analysis & Valuation Benchmarking
Educational evaluation of GICRE across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Attractive Valuation (P/E: 7.11 vs Industry: 44.24)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (54.85%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (105.29% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (105.29% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Cash Generation (₹35638.10 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
2 factors identified
Limited Growth History (-0.29% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Limited Public Float (82.40% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
General Insurance Corporation of India Financial Statements
Comprehensive financial data for General Insurance Corporation of India including income statement, balance sheet and cash flow
About GICRE (General Insurance Corporation of India)
General Insurance Corporation of India is the nation's premier reinsurance provider, a crucial stabilizing force within the Indian and global insurance landscape. Established in 19...72, GIC Re acts as an insurer to insurers, absorbing significant risks from direct insurance companies. This buffering role strengthens the financial stability of the entire industry, enabling insurers to confidently underwrite policies for individuals and businesses across diverse sectors. Headquartered in Mumbai, India, GIC Re extends its services far beyond national borders, influencing risk management practices on an international scale. The corporation's extensive expertise and substantial financial capacity positions it as a key player in mitigating large-scale losses and ensuring the continuity of economic activity in the face of unforeseen events. The bedrock of GIC Re's operations lies in its comprehensive portfolio of reinsurance solutions, designed to cater to a vast spectrum of insurance needs. From traditional property and casualty risks stemming from natural disasters and industrial accidents, to specialized coverage for energy infrastructure and marine transport, GIC Re possesses the technical capabilities and in-depth understanding required to effectively manage complex exposures. Furthermore, the corporation provides critical reinsurance support for emerging risks in areas such as agriculture, health, and liability. Through meticulous underwriting practices and a focus on long-term partnerships, GIC Re empowers insurers to expand their business horizons, confident in the knowledge that they have a reliable partner to share the burden of catastrophic losses. Beyond its core reinsurance activities, General Insurance Corporation of India plays a vital role in promoting best practices and innovation within the insurance sector. By sharing its extensive knowledge and data analytics capabilities, GIC Re contributes to a more informed and resilient insurance market. The corporation actively collaborates with insurers, industry associations, and regulatory bodies to enhance risk assessment methodologies and develop tailored reinsurance programs that meet the evolving needs of the insured population. As a leading global reinsurer, GIC Re remains committed to fostering a sustainable and secure insurance ecosystem, safeguarding businesses, protecting communities, and driving economic growth across the globe.
Company Details
Key Leadership
Corporate Events
GICRE Share Price: Frequently Asked Questions
What is the current share price of General Insurance Corporation of India (GICRE)?
As of 30 Mar 2026, 12:04 pm IST, General Insurance Corporation of India share price is ₹362.95. The GICRE stock has a market capitalisation of ₹68.11K (Cr) on NSE/BSE.
Is GICRE share price Overvalued or Undervalued?
GICRE share price is currently trading at a P/E ratio of 7.11x, compared to the industry average of 44.24x. Based on this relative valuation, the General Insurance Corporation of India stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of GICRE share price?
The 52-week high of GICRE share price is ₹453.80 and the 52-week low is ₹350.25. These values are updated daily from NSE/BSE price data.
What factors affect the General Insurance Corporation of India share price?
Key factors influencing GICRE share price include quarterly earnings growth (Sales Growth: 3.05%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is General Insurance Corporation of India a good stock for long-term investment?
General Insurance Corporation of India shows a 5-year Profit Growth of 105.29% and an ROE of 10.99%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing in GICRE shares.
How does General Insurance Corporation of India compare with its industry peers?
General Insurance Corporation of India competes with major peers in the General Insurance. Investors should compare GICRE share price P/E of 7.11x and ROE of 10.99% against the industry averages to determine competitive standing.
What is the P/E ratio of GICRE and what does it mean?
GICRE share price has a P/E ratio of 7.11x compared to the industry average of 44.24x. Investors pay ₹7 for every ₹1 of annual earnings.
How is GICRE performing according to Bull Run's analysis?
GICRE has a Bull Run fundamental score of 60.6/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does GICRE belong to?
GICRE operates in the General Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting General Insurance Corporation of India share price.
What is Return on Equity (ROE) and why is it important for GICRE?
GICRE has an ROE of 10.99%, which shows decent profitability but room for improvement. ROE measures how efficiently General Insurance Corporation of India generates profits from shareholders capital.
How is GICRE debt-to-equity ratio and what does it indicate?
GICRE has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk.
What is GICRE dividend yield and is it a good dividend stock?
GICRE offers a dividend yield of 2.58%, meaning you receive ₹2.58 annual dividend for every ₹100 invested in General Insurance Corporation of India shares.
How has GICRE share price grown over the past 5 years?
GICRE has achieved 5-year growth rates of: Sales Growth -0.29%, Profit Growth 105.29%, and EPS Growth 105.29%.
What is the promoter holding in GICRE and why does it matter?
Promoters hold 82.40% of GICRE shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in General Insurance Corporation of India.
What is GICRE market capitalisation category?
GICRE has a market capitalisation of ₹68106 crores, placing it in the Large-cap category.
How volatile is GICRE stock?
GICRE has a beta of N/A. A beta > 1 suggests the General Insurance Corporation of India stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is GICRE operating profit margin trend?
GICRE has a 5-year average Operating Profit Margin (OPM) of 12.27%, indicating the company's operational efficiency.
How is GICRE quarterly performance?
Recent quarterly performance shows General Insurance Corporation of India YoY Sales Growth of 3.05% and YoY Profit Growth of 54.85%.
What is the institutional holding pattern in GICRE?
GICRE has FII holding of 2.12% and DII holding of 13.10%. Significant institutional holding often suggests professional confidence in the General Insurance Corporation of India stock.