General Insuranc (GICRE)

FairStock Score: 80/100 — HIGH CONVICTION

Score breakdown: P/E: 3/3 · ROCE: 1/2 · Growth: 1/2 · Dividend: 1/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Mr. Market is offering General Insuranc at ₹352.10, while book value is ₹524.81 and the Graham Number is ₹657.92. That gives a 41.78% margin of safety by Graham's math, and P/B of 0.67 catches my eye. Debt/equity is 0.00, promoter holding is 82.40%, FCF is ₹1,701 Cr, and dividend yield is 3.76% — balance sheet comfort and cash returns. Piotroski F-Score 8/9 tells me accounting trends are sound. The latest quarter had sales of ₹12,589 Cr and net profit of ₹1,726 Cr, with profit growth of 9.69%, so earnings are not collapsing. Valuation is undemanding: P/E 6.96, PEG 0.21, and FairStock Score 80/100. But this is not a fast grower. Sales growth is -0.16%, and five-year revenue CAGR is -0.29%, so the top line is stagnant. ROE 9.11% and ROCE 13.32% are acceptable but not wonderful. I do not see a clear pricing moat in these numbers; the high promoter holding and zero debt provide stability, not dominance. The red flags: Altman Z-Score 0.97 suggests financial distress risk under that model, and DCF intrinsic value ₹110.35 is far below price, while EV/EBITDA -229.31 is odd. So I would treat it as an asset play, not a compounder. I need the discount to book/Graham Number to narrow, or profit growth to continue while revenue stabilizes. If management can lift ROE and sales, re-rating could be meaningful. Otherwise, I collect the 3.76% dividend and wait.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer