General Insurance Corporation of India

Climate Catastrophes And Digital Disruption Will Erode Underwriting Margins

AnalystLowTarget

Not Invested

Community Contributor

Published

23 Jun 25

Updated

15 Dec 25

Views

n/a

AnalystLowTarget's Fair Value

n/a

-27.1%

-4.4%

-27.1%

-4.4%

You can edit this narrative until Dec 16 5:10 AM. Then, changes will post as Updates.

Author's Valuation

₹3455.9% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on 15 Dec 25

Fair value Increased 75%

GICRE: Higher Multiple And Margin Pressure Will Likely Limit Future Upside

Analysts have raised their price target on General Insurance Corporation of India significantly, lifting fair value from ₹197 to ₹345. They are factoring in slightly higher revenue growth expectations, a modest uptick in the discount rate, and a rerating in future earnings multiples despite a marginally lower projected profit margin.

AnalystLowTarget Fair Value

₹345

5.9% overvalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

7.84%

Insurance revenue growth rate

0.27%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

12.76%

Calculation

₹76.96b

Earnings '28

11.28x

PE Ratio '28

₹868.04b

Market Cap '28

₹868.04b

Market Cap '28

1.76b

No. shares '28

₹494.37

Share Price '28

₹494.37 Share Price '28

Discounted to 2025 @ 12.76% p.a.

₹344.84

Fair Value '25