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Reliance General Insurance Shares
Company Overview: Reliance General Insurance Company Limited (RGICL) is a leading general insurance provider in India, offering a wide range of insurance products including motor, health, travel, home, and marine insurance. The company serves a diverse customer base, including individuals, corporates, and small and medium enterprises (SMEs), through a network of 131 offices and over 90,000 intermediaries across India. Financial Performance In the financial year 2022-23, RGICL achieved significant milestones in its growth journey: a) Gross Written Premium (GWP): Increased from 竄ｹ9,504.86 crore in FY 2021-22 to 竄ｹ10,489.23 crore in FY 2022-23, marking a growth of 10.36%. b) Net Earned Premium: Rose from 竄ｹ5,133.80 crore in FY 2021-22 to 竄ｹ6,022.42 crore in FY 2022-23. c) Profit Before Tax (PBT): Increased by 9.02% to 竄ｹ415.18 crore in FY 2022-23 from 竄ｹ380.83 crore in the previous year. d) Profit After Tax (PAT): Grew to 竄ｹ270.69 crore in FY 2022-23 from 竄ｹ242.28 crore in FY 2021-22. ...
Fundamentals
Financial (In Cr)
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | - | 9505 | 10489 | 11689 |
| Cost of Material Consumed | - | 4207 | 6278 | 6771 |
| Gross Margins | - | 5134 | 6022 | 6687 |
| Change in Inventory | - | 112 | 71 | 112 |
| Employee Benefit Expenses | - | 749 | 861 | 1051 |
| Other Expenses | - | 359 | 502 | 30 |
| EBITDA | - | 6354 | 7456 | 7880 |
| OPM | - | 3980 | 4649 | 5421 |
| Other Income | - | -148 | -192 | 864 |
| Finance Cost | - | 1831 | 2273 | 1425 |
| D&A | - | 0 | 0 | 0 |
| EBIT | - | 691 | 726 | 170 |
| EBIT Margins | - | 211 | 202 | 241 |
| PBT | - | 29 | 39 | 121 |
| PBT Margins | - | 550 | 552 | 131 |
| Tax (2021) | - | 381 | 415 | 401 |
| PAT | - | 139 | 144 | 121 |
| NPM | - | 242 | 271 | 280 |
| EPS | - | 9.61 | 10.75 | 10.57 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Operating Profit Margin | - | 110.3 | 111.76 | 115.3 |
| Net Profit Margin | - | 0.78 | 0.77 | 0.81 |
| Earning Per Share (Diluted) | - | 1.26 | 1.14 | 1.08 |
Shareholding Pattern
| Shareholding Pattern | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Reliance Capital | - | 0.999 | 0.9979 | 0.9867 |
| Others | - | 0.001 | 0.0021 | 0.0133 |
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