General Insurance Corporation of India (BOM:540755)

BOM:540755 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Premiums & Annuity Revenue	379,086	367,495	336,455	359,821	395,438	399,494
Total Interest & Dividend Income	96,773	87,782	81,419	62,366	50,615	46,560
Gain (Loss) on Sale of Investments	40,408	40,485	40,927	43,694	43,859	40,975
Other Revenue	100.3	100.3	85.1	-	-	-
Total Revenue	516,367	495,862	458,886	465,880	489,912	487,029
Revenue Growth (YoY)	12.35%	8.06%	-1.50%	-4.91%	0.59%	-4.92%
Policy Benefits	326,723	327,648	316,178	332,042	367,035	369,289
Policy Acquisition & Underwriting Costs	78,994	74,720	63,012	56,507	70,261	80,247
Selling, General & Administrative	3,919	4,309	4,198	3,683	3,714	3,015
Provision for Bad Debts	-1,500	549.2	-78.8	3,295	2,632	-3,683
Other Operating Expenses	626.7	-	-2.6	-	-	-
Total Operating Expenses	407,866	406,119	380,234	394,077	457,287	452,358
Operating Income	108,501	89,742	78,652	71,803	32,625	34,671
Interest Expense	-707.8	-707.8	-838.1	-807.5	-627.48	-608.74
Earnings From Equity Investments	7,215	4,579	1,777	3,302	1,875	1,666
Currency Exchange Gain (Loss)	6,928	2,015	1,436	9,228	5,346	-3,483
Other Non Operating Income (Expenses)	-1,654	0.3	-0.7	87.12	204.9	114.29
EBT Excluding Unusual Items	120,283	95,629	81,026	83,612	39,424	32,359
Gain (Loss) on Sale of Assets	-3.6	-3.6	-0.5	1.09	-2.07	0.26
Pretax Income	120,279	95,625	81,026	83,613	39,422	32,359
Income Tax Expense	24,483	21,307	14,168	14,540	15,559	12,443
Net Income	95,796	74,319	66,858	69,073	23,863	19,916
Net Income to Common	95,796	74,319	66,858	69,073	23,863	19,916
Net Income Growth	31.67%	11.16%	-3.21%	189.46%	19.82%	-
Shares Outstanding (Basic)	1,754	1,754	1,754	1,754	1,754	1,754
Shares Outstanding (Diluted)	1,754	1,754	1,754	1,754	1,754	1,754
Shares Change (YoY)	-0.00%	-	-	-	-	-
EPS (Basic)	54.60	42.36	38.11	39.37	13.60	11.35
EPS (Diluted)	54.60	42.36	38.11	39.37	13.60	11.35
EPS Growth	31.67%	11.15%	-3.21%	189.46%	19.82%	-
Free Cash Flow	13,586	19,506	-2,174	115,882	90,353	132,776
Free Cash Flow Per Share	7.74	11.12	-1.24	66.05	51.50	75.68
Dividend Per Share	-	10.000	10.000	7.200	2.250	-
Dividend Growth	-	-	38.89%	220.00%	-	-
Operating Margin	21.01%	18.10%	17.14%	15.41%	6.66%	7.12%
Profit Margin	18.55%	14.99%	14.57%	14.83%	4.87%	4.09%
Free Cash Flow Margin	2.63%	3.93%	-0.47%	24.87%	18.44%	27.26%
EBITDA	110,713	91,632	79,896	71,900	32,763	34,820
EBITDA Margin	21.44%	18.48%	17.41%	15.43%	6.69%	7.15%
D&A For EBITDA	2,212	1,889	1,244	96.91	137.48	149.51
EBIT	108,501	89,742	78,652	71,803	32,625	34,671
EBIT Margin	21.01%	18.10%	17.14%	15.41%	6.66%	7.12%
Effective Tax Rate	20.36%	22.28%	17.48%	17.39%	39.47%	38.45%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.