GODIGIT Results Analysis

Q4FY25 - Gross Written Premium of the Company was at ₹ 2,576 Cr. compared to ₹ 2,336 Cr. in Q4 2024, growth of 10.3% YoY, Profit after tax for the Q4 2025 stood at ₹ 116 Cr., compared to ₹ 53 Cr. in Q4 2024, grew by 118.9%. YoY. Combined Ratio for Q4 2025 is 111.3%, as compared to 108.8% in Q4 2024. In FY 2024-25, Gross Written Premium of the Company was at ₹ 10,282 Cr. compared to ₹ 9,016 Cr. in FY 2023-24, recording a growth of 14.0% YoY. Profit after tax for the FY 2024-25 stood at ₹ 425 Cr., compared to ₹ 182 Cr. in FY 2023-24, grew by 133.5% YoY. Return on Average Equity (ROAE) for the FY 2024-25 stood at 13.0% compared to 7.5% in FY 2023-24. As of March 31, 2025, Assets under management stood at ₹ 19,703 Cr., compared to ₹ 15,764 Cr. as at March 31, 2024, growth of 25.0%. Combined Ratio for FY 2024-25 is 109.3% compared to 108.7%. Solvency ratio was at 2.24x as at March 31, 2025 as against 1.61x as at March 31, 2024, higher than the minimum regulatory requirement of 1.50x.