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Last Updated: March 6, 2026, 2:33 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540716 | NSE: ICICIGI

ICICI Lombard General Insurance Company Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: March 6, 2026, 2:33 am

Market Cap 93,449 Cr.
Current Price 1,875
Intrinsic Value₹1,992.88
High / Low 2,075/1,658
Stock P/E34.2
Book Value 331
Dividend Yield0.67 %
ROCE24.9 %
ROE18.8 %
Face Value 10.0
PEG Ratio2.10

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for ICICI Lombard General Insurance Company Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
ICICI Lombard General Insurance Company Ltd 93,449 Cr. 1,875 2,075/1,65834.2 3310.67 %24.9 %18.8 % 10.0
New India Assurance Company Ltd (NIACL) 23,003 Cr. 140 215/13519.3 1751.29 %3.59 %3.64 % 5.00
Industry Average58,226.00 Cr1,007.5026.75253.000.98%14.25%11.22%7.50

All Competitor Stocks of ICICI Lombard General Insurance Company Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 4,5594,5194,7165,2715,1945,3915,6016,1476,1616,0516,3966,8696,905
Expenses 4,1054,8744,2064,5094,6394,7014,8315,2075,1995,4435,4155,8256,051
Operating Profit 454-3555107625556907709409626099811,044854
OPM % 10%-8%11%14%11%13%14%15%16%10%15%15%12%
Other Income 119281021984-21-260133316
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 4655735207645746987749199606689941,077870
Tax % 24%24%25%24%25%26%25%24%25%24%25%24%24%
Net Profit 353437390577431520580694724510747820659
EPS in Rs 7.188.907.9511.758.7610.5411.7714.0314.6310.2815.0416.4713.23

Last Updated: February 5, 2026, 3:39 pm

Below is a detailed analysis of the quarterly data for ICICI Lombard General Insurance Company Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:

  • For Sales, as of Dec 2025, the value is 6,905.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,869.00 Cr. (Sep 2025) to 6,905.00 Cr., marking an increase of 36.00 Cr..
  • For Expenses, as of Dec 2025, the value is 6,051.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,825.00 Cr. (Sep 2025) to 6,051.00 Cr., marking an increase of 226.00 Cr..
  • For Operating Profit, as of Dec 2025, the value is 854.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,044.00 Cr. (Sep 2025) to 854.00 Cr., marking a decrease of 190.00 Cr..
  • For OPM %, as of Dec 2025, the value is 12.00%. The value appears to be declining and may need further review. It has decreased from 15.00% (Sep 2025) to 12.00%, marking a decrease of 3.00%.
  • For Other Income, as of Dec 2025, the value is 16.00 Cr.. The value appears to be declining and may need further review. It has decreased from 33.00 Cr. (Sep 2025) to 16.00 Cr., marking a decrease of 17.00 Cr..
  • For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 870.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,077.00 Cr. (Sep 2025) to 870.00 Cr., marking a decrease of 207.00 Cr..
  • For Tax %, as of Dec 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 24.00%.
  • For Net Profit, as of Dec 2025, the value is 659.00 Cr.. The value appears to be declining and may need further review. It has decreased from 820.00 Cr. (Sep 2025) to 659.00 Cr., marking a decrease of 161.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 13.23. The value appears to be declining and may need further review. It has decreased from 16.47 (Sep 2025) to 13.23, marking a decrease of 3.24.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 11:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 4,3524,2346,0337,5206,91211,16311,51712,16116,02617,87620,57223,96126,221
Expenses 4,5784,4565,2696,6017,1749,4949,74510,09015,01016,61217,91820,55422,733
Operating Profit -225-221764919-2621,6691,7722,0721,0161,2642,6543,4073,487
OPM % -5%-5%13%12%-4%15%15%17%6%7%13%14%13%
Other Income 8179920-21,569-215128099913539121
Interest 912-0-05970-0-0-0-0-0-00
Depreciation 505457751-0901301411421341240
Profit before tax 5337057089101,1961,5981,6971,9541,6842,1132,5553,3213,609
Tax % 3%17%28%23%28%34%30%25%24%18%25%24%
Net Profit 5205855077028621,0491,1941,4731,2711,7291,9192,5082,735
EPS in Rs 11.6913.1111.3415.5618.9823.1026.2732.4025.8935.2138.9450.6055.02
Dividend Payout % -0%15%26%22%17%26%13%25%35%28%28%25%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 445447448451454454454455491491493496497
Reserves 1,9492,4392,7893,4504,0874,9465,6807,1448,7029,95311,71213,98915,499
Borrowings 000485485485485485255353500
Other Liabilities 12,35011,76012,44018,96524,72327,51730,42331,21441,40144,60751,06854,53543,285
Total Liabilities 14,74414,64615,67623,35129,75033,40337,04239,29850,84855,08663,30869,02059,281
Fixed Assets 3733815105163681,965664717941883930728843
CWIP 179101138171214112594740
Investments 9,29010,20011,42614,80618,19320,71426,32730,78838,41242,83648,58453,50856,200
Other Assets 5,0644,0563,7308,01811,15110,70710,0397,77911,48511,34213,70014,7102,238
Total Assets 14,74414,64615,67623,35129,75033,40337,04239,29850,84855,08663,30869,02059,281

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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 595-985111,6282,3902,9763,4331,7748092,2902,4071,147
Cash from Investing Activity + -706171-310-1,990-1,896-2,856-3,382-1,367135-1,685-1,921-1,137
Cash from Financing Activity + 4-93-148361-96-310-420-212-879-695-355-257
Net Cash Flow -108-2053-1398-190-36919565-90131-247

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-225.00-221.00764.00434.00-747.00-484.00-484.00-483.00-254.00-34.00-33.003.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 00000292000000
Inventory Days
Days Payable
Cash Conversion Cycle 00000292000000
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%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 48.02%48.01%48.00%47.91%51.27%51.81%51.66%51.60%51.55%51.46%51.37%51.31%
FIIs 22.85%22.00%22.37%23.04%23.05%23.94%24.75%24.36%23.68%23.94%24.04%23.35%
DIIs 17.23%18.10%18.41%17.86%15.96%17.15%16.59%17.17%17.74%17.52%17.41%18.25%
Government 0.10%0.10%0.10%0.10%0.10%0.10%0.10%0.10%0.10%0.10%0.10%0.10%
Public 11.79%11.79%11.11%11.09%9.59%7.00%6.91%6.74%6.93%6.97%7.08%6.98%
No. of Shareholders 2,87,0232,75,3562,64,7102,52,6802,39,4892,37,2482,36,6992,38,4062,40,8532,40,9802,39,8122,35,714

Shareholding Pattern Chart

No. of Shareholders

ICICI Lombard General Insurance Company Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Kotak Midcap Fund 4,262,100 1.31 773.19N/AN/AN/A
ICICI Prudential India Opportunities Fund 3,617,597 1.87 656.273,496,6502026-02-23 01:21:593.46%
Nippon India Growth Mid Cap Fund 2,701,000 1.17 489.992,600,5222026-02-23 07:11:393.86%
SBI Large Cap Fund 2,554,097 0.85 463.34N/AN/AN/A
ICICI Prudential Value Fund 2,514,296 0.76 456.121,624,0042026-02-23 07:11:3954.82%
ICICI Prudential Multi Asset Fund 2,455,584 0.55 445.472,598,7102025-12-14 15:08:53-5.51%
Nippon India Large Cap Fund 2,013,352 0.73 365.241,713,3522025-12-14 04:01:3417.51%
SBI Midcap Fund 2,013,000 1.63 365.18N/AN/AN/A
Aditya Birla Sun Life Flexi Cap Fund 2,000,000 1.47 362.821,786,6412025-12-08 01:35:3011.94%
Axis Midcap Fund 1,932,922 1.13 350.652,175,6272025-12-14 15:08:53-11.16%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 50.7439.0335.2125.9132.41
Diluted EPS (Rs.) 50.2538.7835.1625.8232.27
Cash EPS (Rs.) 53.1140.7438.1028.7732.40
Book Value[Excl.RevalReserv]/Share (Rs.) 292.19247.71212.64192.89178.53
Book Value[Incl.RevalReserv]/Share (Rs.) 292.19247.71212.64192.89178.53
Dividend / Share (Rs.) 12.5011.0010.009.008.00
Revenue From Operations / Share (Rs.) 483.35371.39363.98290.63236.30
PBDIT / Share (Rs.) 71.5555.2847.5537.9243.86
PBIT / Share (Rs.) 69.0453.4944.6635.0343.86
PBT / Share (Rs.) 67.0051.8643.0134.3042.98
Net Profit / Share (Rs.) 50.6038.9435.2025.8932.40
PBDIT Margin (%) 14.8014.8813.0613.0418.56
PBIT Margin (%) 14.2814.4012.2612.0518.56
PBT Margin (%) 13.8613.9611.8111.8018.18
Net Profit Margin (%) 10.4610.489.678.9013.71
Return on Networth / Equity (%) 17.3115.7216.5513.4218.15
Return on Capital Employeed (%) 22.8420.2920.6117.6823.18
Return On Assets (%) 3.633.033.132.493.74
Long Term Debt / Equity (X) 0.000.000.000.020.05
Total Debt / Equity (X) 0.000.000.000.020.05
Asset Turnover Ratio (%) 0.360.300.330.310.28
Current Ratio (X) 0.260.260.240.270.24
Quick Ratio (X) 0.260.260.240.270.24
Dividend Payout Ratio (NP) (%) 22.6426.8826.9829.7412.34
Dividend Payout Ratio (CP) (%) 21.5725.6924.9226.7612.34
Earning Retention Ratio (%) 77.3673.1273.0270.2687.66
Cash Earning Retention Ratio (%) 78.4374.3175.0873.2487.66
Interest Coverage Ratio (X) 35.0134.0228.9751.1849.88
Interest Coverage Ratio (Post Tax) (X) 25.7624.9622.4535.9537.85
Enterprise Value (Cr.) 88752.2082720.3652355.2465177.2865528.03
EV / Net Operating Revenue (X) 3.704.522.934.576.10
EV / EBITDA (X) 25.0230.3722.4235.0232.86
MarketCap / Net Operating Revenue (X) 3.714.542.944.576.08
Retention Ratios (%) 77.3573.1173.0170.2587.65
Price / BV (X) 6.136.805.036.898.04
Price / Net Operating Revenue (X) 3.714.542.944.576.08
EarningsYield 0.020.020.030.010.02

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of ICICI Lombard General Insurance Company Ltd as of March 6, 2026 is: ₹1,713.97

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 6, 2026, ICICI Lombard General Insurance Company Ltd is Overvalued by 8.59% compared to the current share price ₹1,875.00

Intrinsic Value of ICICI Lombard General Insurance Company Ltd as of March 6, 2026 is: ₹1,992.88

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 6, 2026, ICICI Lombard General Insurance Company Ltd is Undervalued by 6.29% compared to the current share price ₹1,875.00

Last 5 Year EPS CAGR: 16.27%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a high average ROCE of 24.17%, which is a positive sign.
  2. The stock has a low average Working Capital Days of -620.50, which is a positive sign.
  3. The company has higher reserves (7,103.00 cr) compared to borrowings (211.54 cr), indicating strong financial stability.
  4. The company has shown consistent growth in sales (12.54 cr) and profit (220.85 cr) over the years.
  1. The stock has a high average Cash Conversion Cycle of 24.33, which may not be favorable.

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:
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Stock P/E: 34.2 (Industry average Stock P/E: 26.75)
      • 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.
    7. 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

ICICI Lombard General Insurance Company Ltd. is a Public Limited Listed company incorporated on 30/10/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L67200MH2000PLC129408 and registration number is 129408. Currently Company is involved in the business activities of Non-life insurance. Company's Total Operating Revenue is Rs. 23960.92 Cr. and Equity Capital is Rs. 495.73 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Non Life InsuranceICICI Lombard House, Mumbai Maharashtra 400025Contact not found
Management
NamePosition Held
Mr. Rakesh JhaChairman, Non Ind & Non Exe Director
Mr. Sanjeev MantriManaging Director & CEO
Mr. Sandeep BatraNon Exe.Non Ind.Director
Mr. Suresh KumarInd. Non-Executive Director
Mr. Ved Prakash ChaturvediInd. Non-Executive Director
Mr. Murali SivaramanInd. Non-Executive Director
Mr. Antony JacobInd. Non-Executive Director
Ms. Preeti ReddyInd. Non-Executive Director
Mr. Rajive KumarInd. 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 06 March 2026) is ₹1992.88 which is 6.29% higher the current market price of ₹1,875.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹93,449 Cr. market cap, FY2025-2026 high/low of ₹2,075/1,658, 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 93,449 Cr..

What is the current Stock Price of ICICI Lombard General Insurance Company Ltd as on 06 March 2026?

The current stock price of ICICI Lombard General Insurance Company Ltd as on 06 March 2026 is ₹1,875.

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 ₹2,075/1,658.

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 34.2.

What is the Book Value of ICICI Lombard General Insurance Company Ltd?

The Book Value of ICICI Lombard General Insurance Company Ltd is 331.

What is the Dividend Yield of ICICI Lombard General Insurance Company Ltd?

The Dividend Yield of ICICI Lombard General Insurance Company Ltd is 0.67 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in ICICI Lombard General Insurance Company Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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