Share Price and Basic Stock Data
Last Updated: December 31, 2025, 7:25 pm
| PEG Ratio | 2.07 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ICICI Lombard General Insurance Company Ltd, a prominent player in the non-life insurance sector, reported a market capitalization of ₹97,831 Cr, with a current share price of ₹1,965. The company has exhibited a robust revenue growth trajectory, with total sales increasing from ₹16,026 Cr in FY 2022 to ₹20,572 Cr in FY 2024, translating to a compounded annual growth rate (CAGR) of approximately 13.3%. In the most recent quarter, June 2024, sales stood at ₹5,601 Cr, reflecting a consistent upward trend from ₹4,129 Cr in June 2022. The company’s operational efficiency is indicated by an operating profit margin (OPM) that improved from 6% in FY 2022 to 14% in FY 2025. This growth in revenue is bolstered by an expanding customer base and an increasing demand for insurance products in India, aligning with the sector’s overall positive outlook due to rising awareness and regulatory support.
Profitability and Efficiency Metrics
ICICI Lombard’s profitability metrics are noteworthy, with a net profit of ₹2,801 Cr reported for the trailing twelve months (TTM). The return on equity (ROE) stood at 18.8%, and return on capital employed (ROCE) was recorded at 24.9%, indicating effective utilization of capital and shareholder funds. The company’s interest coverage ratio (ICR) was impressively high at 35.01x, reflecting its ability to meet interest obligations comfortably, a significant advantage given the competitive nature of the insurance industry. The net profit margin has also seen an upward trend, reaching 10.46% in FY 2025, up from 8.90% in FY 2022. This improvement in margins suggests that ICICI Lombard is not only growing its top line but also enhancing its profitability through better cost management and operational efficiencies.
Balance Sheet Strength and Financial Ratios
The balance sheet of ICICI Lombard demonstrates significant strength, with total assets amounting to ₹69,020 Cr and zero borrowings, reflecting a conservative capital structure. Reserves have steadily increased, standing at ₹15,499 Cr as of September 2025, signaling a strong retention of earnings. The company’s debt-to-equity ratio remains at 0.00, indicating no reliance on external debt for financing operations, which is favorable in a capital-intensive industry. The price-to-book value (P/BV) ratio was reported at 6.13x, suggesting that the market assigns a premium to the stock compared to its book value, indicative of investor confidence in future growth. Additionally, the current ratio of 0.26 indicates a potential liquidity concern, given that it is below the typical benchmark of 1, although the company’s operational cash flow appears robust.
Shareholding Pattern and Investor Confidence
ICICI Lombard’s shareholding pattern reveals a well-distributed ownership structure that fosters investor confidence. Promoters hold 51.37% of the shares, while foreign institutional investors (FIIs) account for 24.04% and domestic institutional investors (DIIs) hold 17.41%. This distribution suggests strong institutional interest, which is often viewed positively by retail investors. The total number of shareholders has decreased from 2,92,282 in December 2022 to 2,39,812 by September 2025, indicating a consolidation trend that may reflect confidence among existing investors rather than an outflow of interest. The stability in promoter holding, coupled with the significant institutional presence, reinforces the company’s credibility in the market, making it an attractive option for long-term investors.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Lombard is poised for sustainable growth, driven by increasing insurance penetration in India and expanding product offerings. However, risks such as regulatory changes and competitive pressures from both established players and new entrants could impact profitability. Additionally, the company must navigate potential economic headwinds that could affect claim ratios and premium collections. Should ICICI Lombard continue to innovate and adapt to market needs, it could enhance its market share and profitability. Conversely, failure to address competitive dynamics may lead to stagnation. Overall, ICICI Lombard demonstrates strong fundamentals and a solid operational framework, positioning it favorably in the evolving insurance landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| New India Assurance Company Ltd (NIACL) | 25,699 Cr. | 156 | 215/135 | 22.1 | 175 | 1.16 % | 3.59 % | 3.64 % | 5.00 |
| ICICI Lombard General Insurance Company Ltd | 97,641 Cr. | 1,962 | 2,075/1,613 | 34.9 | 322 | 0.64 % | 24.9 % | 18.8 % | 10.0 |
| Industry Average | 61,670.00 Cr | 1,059.00 | 28.50 | 248.50 | 0.90% | 14.25% | 11.22% | 7.50 |
All Competitor Stocks of ICICI Lombard General Insurance Company Ltd
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,129 | 4,669 | 4,559 | 4,519 | 4,716 | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 |
| Expenses | 3,684 | 4,095 | 4,105 | 4,874 | 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 |
| Operating Profit | 445 | 574 | 454 | -355 | 510 | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 |
| OPM % | 11% | 12% | 10% | -8% | 11% | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% |
| Other Income | 20 | 36 | 11 | 928 | 10 | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 465 | 610 | 465 | 573 | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 |
| Tax % | 25% | 3% | 24% | 24% | 25% | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% |
| Net Profit | 349 | 591 | 353 | 437 | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 |
| EPS in Rs | 7.11 | 12.02 | 7.18 | 8.90 | 7.95 | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 |
Last Updated: August 1, 2025, 7:45 pm
Below is a detailed analysis of the quarterly data for ICICI Lombard General Insurance Company Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 6,396.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,051.00 Cr. (Mar 2025) to 6,396.00 Cr., marking an increase of 345.00 Cr..
- For Expenses, as of Jun 2025, the value is 5,415.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 5,443.00 Cr. (Mar 2025) to 5,415.00 Cr., marking a decrease of 28.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 981.00 Cr.. The value appears strong and on an upward trend. It has increased from 609.00 Cr. (Mar 2025) to 981.00 Cr., marking an increase of 372.00 Cr..
- For OPM %, as of Jun 2025, the value is 15.00%. The value appears strong and on an upward trend. It has increased from 10.00% (Mar 2025) to 15.00%, marking an increase of 5.00%.
- For Other Income, as of Jun 2025, the value is 13.00 Cr.. The value appears to be declining and may need further review. It has decreased from 60.00 Cr. (Mar 2025) to 13.00 Cr., marking a decrease of 47.00 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 994.00 Cr.. The value appears strong and on an upward trend. It has increased from 668.00 Cr. (Mar 2025) to 994.00 Cr., marking an increase of 326.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 24.00% (Mar 2025) to 25.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 747.00 Cr.. The value appears strong and on an upward trend. It has increased from 510.00 Cr. (Mar 2025) to 747.00 Cr., marking an increase of 237.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 15.04. The value appears strong and on an upward trend. It has increased from 10.28 (Mar 2025) to 15.04, marking an increase of 4.76.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:10 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,352 | 4,234 | 6,033 | 7,520 | 6,912 | 11,163 | 11,517 | 12,161 | 16,026 | 17,876 | 20,572 | 23,961 | 25,477 |
| Expenses | 4,578 | 4,456 | 5,269 | 6,601 | 7,174 | 9,494 | 9,745 | 10,090 | 15,010 | 16,612 | 17,918 | 20,554 | 21,881 |
| Operating Profit | -225 | -221 | 764 | 919 | -262 | 1,669 | 1,772 | 2,072 | 1,016 | 1,264 | 2,654 | 3,407 | 3,596 |
| OPM % | -5% | -5% | 13% | 12% | -4% | 15% | 15% | 17% | 6% | 7% | 13% | 14% | 14% |
| Other Income | 817 | 992 | 0 | -2 | 1,569 | -2 | 15 | 12 | 809 | 991 | 35 | 39 | 103 |
| Interest | 9 | 12 | 0 | 0 | 59 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 50 | 54 | 57 | 7 | 51 | 0 | 90 | 130 | 141 | 142 | 134 | 124 | 0 |
| Profit before tax | 533 | 705 | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,699 |
| Tax % | 3% | 17% | 28% | 23% | 28% | 34% | 30% | 25% | 24% | 18% | 25% | 24% | |
| Net Profit | 520 | 585 | 507 | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,801 |
| EPS in Rs | 11.69 | 13.11 | 11.34 | 15.56 | 18.98 | 23.10 | 26.27 | 32.40 | 25.89 | 35.21 | 38.94 | 50.60 | 56.42 |
| Dividend Payout % | 0% | 15% | 26% | 22% | 17% | 26% | 13% | 25% | 35% | 28% | 28% | 25% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 12.50% | -13.33% | 38.46% | 22.79% | 21.69% | 13.82% | 23.37% | -13.71% | 36.03% | 10.99% | 30.69% |
| Change in YoY Net Profit Growth (%) | 0.00% | -25.83% | 51.79% | -15.67% | -1.10% | -7.87% | 9.54% | -37.08% | 49.75% | -25.05% | 19.70% |
ICICI Lombard General Insurance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 19% |
| 5 Years: | 16% |
| 3 Years: | 14% |
| TTM: | 15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 16% |
| 3 Years: | 25% |
| TTM: | 27% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 8% |
| 3 Years: | 15% |
| 1 Year: | -17% |
| Return on Equity | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 18% |
| 3 Years: | 18% |
| Last Year: | 19% |
Last Updated: September 5, 2025, 6:35 am
Balance Sheet
Last Updated: December 10, 2025, 2:49 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 445 | 447 | 448 | 451 | 454 | 454 | 454 | 455 | 491 | 491 | 493 | 496 | 497 |
| Reserves | 1,949 | 2,439 | 2,789 | 3,450 | 4,087 | 4,946 | 5,680 | 7,144 | 8,702 | 9,953 | 11,712 | 13,989 | 15,499 |
| Borrowings | 0 | 0 | 0 | 485 | 485 | 485 | 485 | 485 | 255 | 35 | 35 | 0 | 0 |
| Other Liabilities | 12,350 | 11,760 | 12,440 | 18,965 | 24,723 | 27,517 | 30,423 | 31,214 | 41,401 | 44,607 | 51,068 | 54,535 | 43,285 |
| Total Liabilities | 14,744 | 14,646 | 15,676 | 23,351 | 29,750 | 33,403 | 37,042 | 39,298 | 50,848 | 55,086 | 63,308 | 69,020 | 59,281 |
| Fixed Assets | 373 | 381 | 510 | 516 | 368 | 1,965 | 664 | 717 | 941 | 883 | 930 | 728 | 843 |
| CWIP | 17 | 9 | 10 | 11 | 38 | 17 | 12 | 14 | 11 | 25 | 94 | 74 | 0 |
| Investments | 9,290 | 10,200 | 11,426 | 14,806 | 18,193 | 20,714 | 26,327 | 30,788 | 38,412 | 42,836 | 48,584 | 53,508 | 56,200 |
| Other Assets | 5,064 | 4,056 | 3,730 | 8,018 | 11,151 | 10,707 | 10,039 | 7,779 | 11,485 | 11,342 | 13,700 | 14,710 | 2,238 |
| Total Assets | 14,744 | 14,646 | 15,676 | 23,351 | 29,750 | 33,403 | 37,042 | 39,298 | 50,848 | 55,086 | 63,308 | 69,020 | 59,281 |
Below is a detailed analysis of the balance sheet data for ICICI Lombard General Insurance Company Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 497.00 Cr.. The value appears strong and on an upward trend. It has increased from 496.00 Cr. (Mar 2025) to 497.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 15,499.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,989.00 Cr. (Mar 2025) to 15,499.00 Cr., marking an increase of 1,510.00 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 43,285.00 Cr.. The value appears to be improving (decreasing). It has decreased from 54,535.00 Cr. (Mar 2025) to 43,285.00 Cr., marking a decrease of 11,250.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 59,281.00 Cr.. The value appears to be improving (decreasing). It has decreased from 69,020.00 Cr. (Mar 2025) to 59,281.00 Cr., marking a decrease of 9,739.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 843.00 Cr.. The value appears strong and on an upward trend. It has increased from 728.00 Cr. (Mar 2025) to 843.00 Cr., marking an increase of 115.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 74.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 74.00 Cr..
- For Investments, as of Sep 2025, the value is 56,200.00 Cr.. The value appears strong and on an upward trend. It has increased from 53,508.00 Cr. (Mar 2025) to 56,200.00 Cr., marking an increase of 2,692.00 Cr..
- For Other Assets, as of Sep 2025, the value is 2,238.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,710.00 Cr. (Mar 2025) to 2,238.00 Cr., marking a decrease of 12,472.00 Cr..
- For Total Assets, as of Sep 2025, the value is 59,281.00 Cr.. The value appears to be declining and may need further review. It has decreased from 69,020.00 Cr. (Mar 2025) to 59,281.00 Cr., marking a decrease of 9,739.00 Cr..
Notably, the Reserves (15,499.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -225.00 | -221.00 | 764.00 | 434.00 | -747.00 | -484.00 | -484.00 | -483.00 | -254.00 | -34.00 | -33.00 | 3.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 292 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 292 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -519 | -576 | -532 | -521 | -720 | -564 | -670 | -705 | -690 | -685 | -661 | -603 |
| ROCE % | 26% | 27% | 23% | 24% | 17% | 31% | 27% | 27% | 19% | 21% | 23% | 25% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Kotak Midcap Fund | 4,262,100 | 1.39 | 839.85 | N/A | N/A | N/A |
| ICICI Prudential India Opportunities Fund | 3,496,650 | 2.03 | 689.01 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 2,600,522 | 1.22 | 512.43 | N/A | N/A | N/A |
| SBI Large Cap Fund | 2,554,097 | 0.9 | 503.28 | N/A | N/A | N/A |
| ICICI Prudential Multi Asset Fund | 2,455,584 | 0.64 | 483.87 | 2,598,710 | 2025-12-14 15:08:53 | -5.51% |
| Nippon India Large Cap Fund | 2,013,352 | 0.79 | 396.73 | 1,713,352 | 2025-12-14 04:01:34 | 17.51% |
| SBI Midcap Fund | 2,013,000 | 1.7 | 396.66 | N/A | N/A | N/A |
| Aditya Birla Sun Life Flexi Cap Fund | 2,000,000 | 1.59 | 394.1 | 1,786,641 | 2025-12-08 01:35:30 | 11.94% |
| Axis Midcap Fund | 1,932,922 | 1.18 | 380.88 | 2,175,627 | 2025-12-14 15:08:53 | -11.16% |
| SBI Flexicap Fund | 1,489,863 | 1.25 | 293.58 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 50.74 | 39.03 | 35.21 | 25.91 | 32.41 |
| Diluted EPS (Rs.) | 50.25 | 38.78 | 35.16 | 25.82 | 32.27 |
| Cash EPS (Rs.) | 53.11 | 40.74 | 38.10 | 28.77 | 32.40 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 292.19 | 247.71 | 212.64 | 192.89 | 178.53 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 292.19 | 247.71 | 212.64 | 192.89 | 178.53 |
| Dividend / Share (Rs.) | 12.50 | 11.00 | 10.00 | 9.00 | 8.00 |
| Revenue From Operations / Share (Rs.) | 483.35 | 371.39 | 363.98 | 290.63 | 236.30 |
| PBDIT / Share (Rs.) | 71.55 | 55.28 | 47.55 | 37.92 | 43.86 |
| PBIT / Share (Rs.) | 69.04 | 53.49 | 44.66 | 35.03 | 43.86 |
| PBT / Share (Rs.) | 67.00 | 51.86 | 43.01 | 34.30 | 42.98 |
| Net Profit / Share (Rs.) | 50.60 | 38.94 | 35.20 | 25.89 | 32.40 |
| PBDIT Margin (%) | 14.80 | 14.88 | 13.06 | 13.04 | 18.56 |
| PBIT Margin (%) | 14.28 | 14.40 | 12.26 | 12.05 | 18.56 |
| PBT Margin (%) | 13.86 | 13.96 | 11.81 | 11.80 | 18.18 |
| Net Profit Margin (%) | 10.46 | 10.48 | 9.67 | 8.90 | 13.71 |
| Return on Networth / Equity (%) | 17.31 | 15.72 | 16.55 | 13.42 | 18.15 |
| Return on Capital Employeed (%) | 22.84 | 20.29 | 20.61 | 17.68 | 23.18 |
| Return On Assets (%) | 3.63 | 3.03 | 3.13 | 2.49 | 3.74 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 0.02 | 0.05 |
| Total Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 0.02 | 0.05 |
| Asset Turnover Ratio (%) | 0.36 | 0.30 | 0.33 | 0.31 | 0.28 |
| Current Ratio (X) | 0.26 | 0.26 | 0.24 | 0.27 | 0.24 |
| Quick Ratio (X) | 0.26 | 0.26 | 0.24 | 0.27 | 0.24 |
| Dividend Payout Ratio (NP) (%) | 22.64 | 26.88 | 26.98 | 29.74 | 12.34 |
| Dividend Payout Ratio (CP) (%) | 21.57 | 25.69 | 24.92 | 26.76 | 12.34 |
| Earning Retention Ratio (%) | 77.36 | 73.12 | 73.02 | 70.26 | 87.66 |
| Cash Earning Retention Ratio (%) | 78.43 | 74.31 | 75.08 | 73.24 | 87.66 |
| Interest Coverage Ratio (X) | 35.01 | 34.02 | 28.97 | 51.18 | 49.88 |
| Interest Coverage Ratio (Post Tax) (X) | 25.76 | 24.96 | 22.45 | 35.95 | 37.85 |
| Enterprise Value (Cr.) | 88752.20 | 82720.36 | 52355.24 | 65177.28 | 65528.03 |
| EV / Net Operating Revenue (X) | 3.70 | 4.52 | 2.93 | 4.57 | 6.10 |
| EV / EBITDA (X) | 25.02 | 30.37 | 22.42 | 35.02 | 32.86 |
| MarketCap / Net Operating Revenue (X) | 3.71 | 4.54 | 2.94 | 4.57 | 6.08 |
| Retention Ratios (%) | 77.35 | 73.11 | 73.01 | 70.25 | 87.65 |
| Price / BV (X) | 6.13 | 6.80 | 5.03 | 6.89 | 8.04 |
| Price / Net Operating Revenue (X) | 3.71 | 4.54 | 2.94 | 4.57 | 6.08 |
| EarningsYield | 0.02 | 0.02 | 0.03 | 0.01 | 0.02 |
After reviewing the key financial ratios for ICICI Lombard General Insurance Company Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 50.74. This value is within the healthy range. It has increased from 39.03 (Mar 24) to 50.74, marking an increase of 11.71.
- For Diluted EPS (Rs.), as of Mar 25, the value is 50.25. This value is within the healthy range. It has increased from 38.78 (Mar 24) to 50.25, marking an increase of 11.47.
- For Cash EPS (Rs.), as of Mar 25, the value is 53.11. This value is within the healthy range. It has increased from 40.74 (Mar 24) to 53.11, marking an increase of 12.37.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 292.19. It has increased from 247.71 (Mar 24) to 292.19, marking an increase of 44.48.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 292.19. It has increased from 247.71 (Mar 24) to 292.19, marking an increase of 44.48.
- For Dividend / Share (Rs.), as of Mar 25, the value is 12.50. This value exceeds the healthy maximum of 3. It has increased from 11.00 (Mar 24) to 12.50, marking an increase of 1.50.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 483.35. It has increased from 371.39 (Mar 24) to 483.35, marking an increase of 111.96.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 71.55. This value is within the healthy range. It has increased from 55.28 (Mar 24) to 71.55, marking an increase of 16.27.
- For PBIT / Share (Rs.), as of Mar 25, the value is 69.04. This value is within the healthy range. It has increased from 53.49 (Mar 24) to 69.04, marking an increase of 15.55.
- For PBT / Share (Rs.), as of Mar 25, the value is 67.00. This value is within the healthy range. It has increased from 51.86 (Mar 24) to 67.00, marking an increase of 15.14.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 50.60. This value is within the healthy range. It has increased from 38.94 (Mar 24) to 50.60, marking an increase of 11.66.
- For PBDIT Margin (%), as of Mar 25, the value is 14.80. This value is within the healthy range. It has decreased from 14.88 (Mar 24) to 14.80, marking a decrease of 0.08.
- For PBIT Margin (%), as of Mar 25, the value is 14.28. This value is within the healthy range. It has decreased from 14.40 (Mar 24) to 14.28, marking a decrease of 0.12.
- For PBT Margin (%), as of Mar 25, the value is 13.86. This value is within the healthy range. It has decreased from 13.96 (Mar 24) to 13.86, marking a decrease of 0.10.
- For Net Profit Margin (%), as of Mar 25, the value is 10.46. This value exceeds the healthy maximum of 10. It has decreased from 10.48 (Mar 24) to 10.46, marking a decrease of 0.02.
- For Return on Networth / Equity (%), as of Mar 25, the value is 17.31. This value is within the healthy range. It has increased from 15.72 (Mar 24) to 17.31, marking an increase of 1.59.
- For Return on Capital Employeed (%), as of Mar 25, the value is 22.84. This value is within the healthy range. It has increased from 20.29 (Mar 24) to 22.84, marking an increase of 2.55.
- For Return On Assets (%), as of Mar 25, the value is 3.63. This value is below the healthy minimum of 5. It has increased from 3.03 (Mar 24) to 3.63, marking an increase of 0.60.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.36. It has increased from 0.30 (Mar 24) to 0.36, marking an increase of 0.06.
- For Current Ratio (X), as of Mar 25, the value is 0.26. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 24) which recorded 0.26.
- For Quick Ratio (X), as of Mar 25, the value is 0.26. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.26.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 22.64. This value is within the healthy range. It has decreased from 26.88 (Mar 24) to 22.64, marking a decrease of 4.24.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 21.57. This value is within the healthy range. It has decreased from 25.69 (Mar 24) to 21.57, marking a decrease of 4.12.
- For Earning Retention Ratio (%), as of Mar 25, the value is 77.36. This value exceeds the healthy maximum of 70. It has increased from 73.12 (Mar 24) to 77.36, marking an increase of 4.24.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 78.43. This value exceeds the healthy maximum of 70. It has increased from 74.31 (Mar 24) to 78.43, marking an increase of 4.12.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 35.01. This value is within the healthy range. It has increased from 34.02 (Mar 24) to 35.01, marking an increase of 0.99.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 25.76. This value is within the healthy range. It has increased from 24.96 (Mar 24) to 25.76, marking an increase of 0.80.
- For Enterprise Value (Cr.), as of Mar 25, the value is 88,752.20. It has increased from 82,720.36 (Mar 24) to 88,752.20, marking an increase of 6,031.84.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.70. This value exceeds the healthy maximum of 3. It has decreased from 4.52 (Mar 24) to 3.70, marking a decrease of 0.82.
- For EV / EBITDA (X), as of Mar 25, the value is 25.02. This value exceeds the healthy maximum of 15. It has decreased from 30.37 (Mar 24) to 25.02, marking a decrease of 5.35.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.71. This value exceeds the healthy maximum of 3. It has decreased from 4.54 (Mar 24) to 3.71, marking a decrease of 0.83.
- For Retention Ratios (%), as of Mar 25, the value is 77.35. This value exceeds the healthy maximum of 70. It has increased from 73.11 (Mar 24) to 77.35, marking an increase of 4.24.
- For Price / BV (X), as of Mar 25, the value is 6.13. This value exceeds the healthy maximum of 3. It has decreased from 6.80 (Mar 24) to 6.13, marking a decrease of 0.67.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.71. This value exceeds the healthy maximum of 3. It has decreased from 4.54 (Mar 24) to 3.71, marking a decrease of 0.83.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ICICI Lombard General Insurance Company Ltd:
- Net Profit Margin: 10.46%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 22.84% (Industry Average ROCE: 14.25%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 17.31% (Industry Average ROE: 11.22%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 25.76
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0.26
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 34.9 (Industry average Stock P/E: 28.5)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 10.46%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Non Life Insurance | ICICI Lombard House, Mumbai Maharashtra 400025 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Rakesh Jha | Chairman, Non Ind & Non Exe Director |
| Mr. Sanjeev Mantri | Managing Director & CEO |
| Mr. Sandeep Batra | Non Exe.Non Ind.Director |
| Mr. Suresh Kumar | Ind. Non-Executive Director |
| Mr. Ved Prakash Chaturvedi | Ind. Non-Executive Director |
| Mr. Murali Sivaraman | Ind. Non-Executive Director |
| Mr. Antony Jacob | Ind. Non-Executive Director |
| Ms. Preeti Reddy | Ind. Non-Executive Director |
| Mr. Rajive Kumar | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of ICICI Lombard General Insurance Company Ltd?
ICICI Lombard General Insurance Company Ltd's intrinsic value (as of 01 January 2026) is ₹1700.98 which is 13.30% lower the current market price of ₹1,962.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹97,641 Cr. market cap, FY2025-2026 high/low of ₹2,075/1,613, reserves of ₹15,499 Cr, and liabilities of ₹59,281 Cr.
What is the Market Cap of ICICI Lombard General Insurance Company Ltd?
The Market Cap of ICICI Lombard General Insurance Company Ltd is 97,641 Cr..
What is the current Stock Price of ICICI Lombard General Insurance Company Ltd as on 01 January 2026?
The current stock price of ICICI Lombard General Insurance Company Ltd as on 01 January 2026 is ₹1,962.
What is the High / Low of ICICI Lombard General Insurance Company Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ICICI Lombard General Insurance Company Ltd stocks is ₹2,075/1,613.
What is the Stock P/E of ICICI Lombard General Insurance Company Ltd?
The Stock P/E of ICICI Lombard General Insurance Company Ltd is 34.9.
What is the Book Value of ICICI Lombard General Insurance Company Ltd?
The Book Value of ICICI Lombard General Insurance Company Ltd is 322.
What is the Dividend Yield of ICICI Lombard General Insurance Company Ltd?
The Dividend Yield of ICICI Lombard General Insurance Company Ltd is 0.64 %.
What is the ROCE of ICICI Lombard General Insurance Company Ltd?
The ROCE of ICICI Lombard General Insurance Company Ltd is 24.9 %.
What is the ROE of ICICI Lombard General Insurance Company Ltd?
The ROE of ICICI Lombard General Insurance Company Ltd is 18.8 %.
What is the Face Value of ICICI Lombard General Insurance Company Ltd?
The Face Value of ICICI Lombard General Insurance Company Ltd is 10.0.