Go Digit reported a significant jump in Q3 profit before tax (PBT) to ₹163 crore. The 9M FY25-26 PBT reached ₹459 crore, exceeding the full FY24-25 PBT of ₹425 crore. Gross Direct Premium for Q3 2026 stood at ₹2,557 crore, a 20.9% increase YoY. Assets under management increased to ₹22,509 crore as of December 31, 2025, reflecting substantial growth. The solvency ratio was strong at 2.30x.
Financial Highlights
Go Digit showcased robust financial performance:
- Q3 2026 PBT: Grew to ₹163 crore.
- 9M FY25-26 PBT: Reached ₹459 crore, surpassing the full previous fiscal year.
- Gross Direct Premium (Q3 2026): ₹2,557 crore, up 20.9% YoY.
- Gross Written Premium (Q3 2026): ₹2,909 crore, up 8.7% YoY.
Key Ratios and Metrics
Several key financial ratios were highlighted:
- Loss Ratio: 72.5% for Q3 2026.
- Expense Ratio: 38.2% for Q3 2026.
- Combined Ratio: 110.7% for Q3 2026.
- Combined Ratio IFRS Basis: 105.0% for Q3 2026 (excluding discounting benefit).
Assets Under Management
As of December 31, 2025, assets under management (AUM) increased significantly to ₹22,509 crore, marking an 18.8% increase compared to ₹18,939 crore as of December 31, 2024.
Solvency
The solvency ratio stood at 2.30x as of December 31, 2025, compared to 2.24x as of March 31, 2025, well above the minimum regulatory requirement of 1.50x.
Business Strengths
Go Digit emphasizes the following as core strengths:
- High-quality customer experience.
- Focus on empowering distribution partners.
- Predictive underwriting models.
- Advanced technology platform.
- Nimble organization with experienced management.
Source: BSE
