GIC of India

Market Cap (₹ Cr.)

₹69,106

52 Week High

467.80

Book Value

₹315

52 Week Low

212.15

PE Ratio

9.72

PB Ratio

1.20

PE for Sector

33.71

PB for Sector

2.87

ROE

14.56 %

ROCE

20.77 %

Dividend Yield

2.54 %

EPS

₹40.52

Industry

Insurance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

-2.50 %

Net Income Growth

-1.05 %

Cash Flow Change

-4.93 %

ROE

-19.09 %

ROCE

-46.79 %

EBITDA Margin (Avg.)

2.19 %

Financial Results

Quarterly Financials	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	5,460	7,795	6,723	11,309	13,918	11,017	9,622	8,891	15,985	13,529	8,286	6,588	18,179	13,803	9,929	9,906	14,891	12,050	11,777	9,768	13,343	13,102	11,205	11,729	13,079	12,439	11,563	10,345	11,268	13,439	11,329	10,332	12,823
Expenses	4,481	7,611	7,223	8,348	13,526	9,099	8,834	8,319	14,956	13,359	7,246	5,394	18,040	14,423	10,995	8,805	15,702	11,637	10,260	7,722	14,510	11,888	11,306	8,114	12,091	9,978	10,268	7,341	10,333	11,592	9,405	7,161	11,430
EBITDA	979	184	-500	2,961	391	1,918	788	571	1,030	170	1,040	1,194	139	-620	-1,066	1,101	-811	412	1,517	2,045	-1,167	1,214	-102	3,615	989	2,461	1,295	3,004	935	1,848	1,924	3,171	1,393
Operating Profit %	2 %	-14 %	-26 %	14 %	-6 %	6 %	-3 %	-18 %	-3 %	-21 %	-3 %	-7 %	-8 %	-21 %	-40 %	-15 %	-15 %	-23 %	-12 %	-2 %	-28 %	-14 %	-27 %	6 %	-13 %	-14 %	-19 %	4 %	-20 %	-16 %	-21 %	1 %	-14 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	979	184	-500	2,961	391	1,918	788	571	1,030	170	1,040	1,194	139	-620	-1,066	1,101	-811	412	1,517	2,045	-1,167	1,214	-102	3,615	989	2,461	1,295	3,004	935	1,848	1,924	3,171	1,393
Tax	275	-68	-99	388	1	499	115	-180	258	-344	704	591	30	-25	4	-96	-254	182	529	785	-395	203	-73	1,819	299	601	96	440	203	243	406	529	357
Net Profit	704	252	-401	2,573	390	1,419	673	752	771	514	336	603	109	-595	-1,070	1,197	-557	230	987	1,260	-772	1,011	-28	1,795	690	1,860	1,199	2,564	732	1,605	1,518	2,642	1,036
EPS in ₹	1.64	2.91	-4.66	29.92	4.55	16.49	7.71	8.66	4.40	2.93	1.91	3.44	0.62	-3.39	-6.10	6.83	-3.18	1.31	5.63	7.18	-4.40	6.00	-0.16	10.23	3.93	10.60	6.83	14.61	4.17	13.32	21.97	15.06	5.91

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	41,941	39,283	48,482	52,309	53,792	36,819	51,240	57,351	64,262	82,430
Fixed Assets	138	170	164	171	197	181	169	170	294	287
Current Assets	21,923	24,758	29,705	37,283	38,814	47,234	43,166	43,385	45,378	45,738
Capital Work in Progress	0	0	0	0	0	0	0	0	0	0
Investments	55,885	54,595	64,972	72,460	80,303	69,283	91,911	1,01,950	1,11,527	1,32,269
Other Assets	-14,082	-15,483	-16,653	-20,322	-26,708	-32,644	-40,841	-44,770	-47,559	-50,126
Total Liabilities	0	0	20,001	21,196	22,023	11,621	21,036	24,037	22,285	30,435
Current Liabilities	36,257	40,450	46,467	57,364	65,092	79,377	83,422	87,537	92,862	95,856
Non Current Liabilities	0	0	20,001	21,196	22,023	11,621	21,036	24,037	22,285	30,435
Total Equity	41,941	39,283	28,481	31,113	31,769	25,199	30,204	33,313	41,977	51,995
Reserve & Surplus	41,511	38,853	28,051	30,674	30,892	24,321	29,326	32,436	41,100	51,118
Share Capital	430	430	430	439	877	877	877	877	877	877

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-536	2,033	2,429	1,981	-1,324	3,006	2,440	2,789	2,201	1,105
Investing Activities	-2,720	-3,119	-4,317	-5,475	-6,912	-3,791	-10,383	-5,631	-8,753	-8,376
Operating Activities	2,571	5,802	7,782	8,662	7,016	8,225	12,824	8,420	11,349	10,744
Financing Activities	-387	-650	-1,035	-1,206	-1,428	-1,428	0	0	-395	-1,263

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %	85.78 %
FIIs	0.55 %	0.80 %	0.69 %	0.53 %	0.45 %	0.47 %	0.46 %	0.53 %	0.67 %	0.77 %	0.86 %	0.95 %	0.86 %	1.05 %
DIIs	11.57 %	11.38 %	11.03 %	10.89 %	10.89 %	10.91 %	11.08 %	11.02 %	11.02 %	11.03 %	11.02 %	11.12 %	11.06 %	10.91 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	2.09 %	2.04 %	2.49 %	2.79 %	2.87 %	2.84 %	2.68 %	2.67 %	2.53 %	2.41 %	2.33 %	2.15 %	2.29 %	2.25 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
LIC of India	1,000.55	6,46,003.63	15.44	8,64,897.68	8.57	40,916	9.27	34.93
SBI Life Insurance	1,840.95	1,82,555.94	89.81	1,33,665.06	62.23	1,894	36.34	54.72
HDFC Life Insurance	701.50	1,50,526.34	92.03	1,02,006.61	42.38	1,574	14.94	44.88
ICICI Prudential Life Insurance	755.10	1,08,507.89	124.81	91,712.46	78.53	851	8.80	58.68
ICICI Lombard General Insurance	2,200.00	1,03,985.22	49.31	20,602.12	9.18	1,919	48.68	62.97
GIC of India	384.00	69,105.82	9.72	46,556.85	-2.50	6,508	43.27	42.95
The New India Assurance Company	233.15	39,584.96	36.12	43,690.98	6.38	1,091	-7.01	36.64
Star Health Insurance	605.60	35,628.39	40.68	14,026.48	15.90	845	10.80	47.00
Go Digit General Insurance	345.80	34,200.00	152.21	8,615.38	46.38	182	73.35	36.12