HDFC Ergo General Insurance Limited

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1(Y)

Share Price Chart

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HDFC Ergo General Insurance Limited

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About Share

HDFC ERGO General Insurance Company Limited is a prominent player in the Indian insurance market, established as a joint venture between HDFC Ltd. and ERGO International AG, a subsidiary of the Munich Re Group. The company was founded in 2002 and operates primarily in the general insurance sector, offering a wide range of products aimed at both retail and corporate customers. Product OfferingsHDFC ERGO provides a diverse array of insurance products across various sectors:Retail InsuranceHealth InsuranceMotor InsuranceTravel InsuranceHome InsurancePersonal Accident InsuranceCorporate InsuranceProperty InsuranceMarine InsuranceLiability InsuranceAdditionally, the company offers specialized products for rural sectors, including rainfall index insurance and cattle insurance policies

Fundamentals

HDFC Ergo General Insurance Limited

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Lot Size

100

52 Week High

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52 Week Low

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Depository

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PAN Number

AABCL5045N

ISIN Number

INE225R01027

CIN

U66030MH2007PLC177117

RTA

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Market Cap (in cr)

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P/E Ratio

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P/B Ratio

-

Debt to Equity

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ROE (%)

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Book Value

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Face Value

₹10.00

Valuation (In Cr)

Total Shares

714968264

Financials (In Cr)

P&L Statement	2021	2022	2023	2024
Revenue	17648	22629	27875	27786
Cost of Material Consumed	0	0	0	0
Gross Margins	100	100	100	100
Change in Inventory	0	0	0	0
Employee Benefit Expenses	12423	16349	20268	20450
Other Expenses	2079	2584	3104	2942
EBITDA	3146	3696	4503	4394
OPM	17.83	16.33	16.15	15.81
Other Income	397	436	510	964
Finance Cost	93	76	57	63
D&A	836	875	983	1004
EBIT	2310	2821	3520	3390
EBIT Margins	13.09	12.47	12.63	12.2
PBT	2614	3180	3973	4291
PBT Margins	14.81	14.05	14.25	15.44
Tax (2021)	924	874	798	1045
PAT	1690	2306	3175	3246
NPM	9.58	10.19	11.39	11.68
EPS	285.96	390.19	535.41	547.39

Financial Ratios	2021	2022	2023	2024
Operating Profit Margin	17.83	16.33	16.15	15.81
Net Profit Margin	9.58	10.19	11.39	11.68
Earning Per Share (Diluted)	285.96	390.19	535.41	547.39

Assets	2021	2022	2023	2024
Fixed Assets	2724	2995	2753	2504
CWIP	13	23	23	61
Investments	4679	5761	8162	9431
Trade Receivables	3409	4867	5156	4969
Inventory	0	0	0	0
Other Assets	6021	5849	6455	8160
Total Assets	16846	19495	22549	25125

Liabilities	2021	2022	2023	2024
Share Capital	59.1	59.1	59.3	59.3
FV	10	10	10	10
Reserves	12607	14742	17994	20651
Borrowings	0	0	0	0
Trade Payables	648	832	895	795
Other Liabilities	3531.9	3861.9	3600.7	3619.7
Total Liabilities	16846	19495	22549	25125

Cash-Flow Statement	2021	2022	2023	2024
PBT	2614	3180	3973	429
OPBWC	3404	3898	4717	471
Change in Receivables	109	-1351	-335	304
Change in Inventories	0	0	0	0
Change in Payables	-94	223	59	-132
Other Changes	597	150	-168	4177
Working Capital Change	612	-978	-444	4349
Cash Generated From Operations	4016	2920	4273	4820
Tax	-612	-1012	-970	-1133
Cash Flow From Operations	3404	1908	3303	3687
Purchase of PPE	-19211	-20352	-510	-449
Sale of PPE	19759	18590	28	26
Cash Flow From Investment	-3697	-1638	-2572	-2309
Borrowing	0	0	0	0
Divided	0	0	0	0
Equity	0	0	0	0
Others From Financing	-207	-446	-497	-572
Cash Flow from Financing	-207	-446	-497	-572
Net Cash Generated	-500	-176	234	806
Cash at the Start	1411	911	694	966
Cash at the End	911	735	928	1772

Shareholding Pattern

Shareholding Pattern	2021	2022	2023
NMI Frontier Fund KS, Norway	-	-	7.83%
British International Investment PLC	-	-	13.95%
Faering Capital India Evolving FUND II	-	-	7.78%
RBLBank Limited	-	-	9.86%
Others	-	-	60.58%

Peer Ratio

Particulars (cr)

Revenue (FY23)

EPS (FY23)

Mcap (06.01.24)

P/E (06.01.24)

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Events

Name

Date

Details

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Promoters or Management

Name

Designation

Experience

Linkedin Profile

Keki M. Mistry

Vice Chairman

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Ritesh Kumar

MD & CEO

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Anuj Tyagi

Joint MD

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