Share Price and Basic Stock Data
Last Updated: February 13, 2026, 8:49 pm
| PEG Ratio | 2.06 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ICICI Lombard General Insurance Company Ltd operates in the non-life insurance sector, with its stock price currently at ₹1,932 and a market capitalization of ₹96,174 Cr. The company has demonstrated a robust revenue growth trajectory, with total sales reported at ₹25,477 Cr for the trailing twelve months (TTM). Over the last fiscal year, sales increased from ₹17,876 Cr in FY 2023 to ₹20,572 Cr in FY 2024, reflecting a growth rate of approximately 9.5%. Quarterly sales also showed a positive trend, peaking at ₹6,905 Cr in December 2025 from ₹4,559 Cr in December 2022, indicating a strong upward momentum. The operating profit margin (OPM) stood at 14.80% for FY 2025, signaling improved operational efficiency as the company capitalizes on rising demand for insurance products. Despite the challenges faced in the sector, ICICI Lombard’s ability to scale its operations effectively positions it favorably within the competitive landscape.
Profitability and Efficiency Metrics
ICICI Lombard has showcased impressive profitability metrics, with a net profit of ₹2,801 Cr for the TTM, translating to an earnings per share (EPS) of ₹50.60 for FY 2025. This represents a substantial increase from ₹35.21 in FY 2023. The company reported a return on equity (ROE) of 17.31%, which is robust compared to sector averages, highlighting effective management of shareholders’ funds. Additionally, the interest coverage ratio (ICR) was remarkably high at 35.01x, indicating that the company can comfortably meet its interest obligations. However, the operating profit margin (OPM) at 14.80% is slightly below the high end of typical sector ranges, suggesting room for improvement in cost management. The company’s cash conversion cycle (CCC) remained at zero days, reflecting efficient operational processes. Despite these strengths, the fluctuating quarterly performance, especially the negative operating profit in March 2023, raises concerns about consistency in profit generation.
Balance Sheet Strength and Financial Ratios
The balance sheet of ICICI Lombard reflects significant strength, with total assets amounting to ₹69,020 Cr and no borrowings reported, indicating a debt-free status. The company has substantial reserves of ₹15,499 Cr, providing a cushion for future growth and stability. The book value per share stands at ₹292.19, while the price-to-book value (P/BV) ratio is at 6.13x, suggesting that the stock is trading at a premium compared to its book value. The return on capital employed (ROCE) for FY 2025 was reported at 22.84%, which is commendable and indicates effective utilization of capital for generating profits. However, the current ratio of 0.26 raises concerns about liquidity, as it falls below the generally accepted threshold of 1. This indicates potential challenges in meeting short-term obligations. Overall, while the balance sheet exhibits strength, the liquidity position may require monitoring to ensure financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of ICICI Lombard shows a balanced distribution among various stakeholders, with promoters holding 51.37% of the shares, indicating strong insider confidence. Foreign Institutional Investors (FIIs) own 24.04%, while Domestic Institutional Investors (DIIs) hold 17.41%, reflecting a healthy interest from institutional investors in the company. The public’s stake stands at 7.08%, with the total number of shareholders recorded at 239,812. This diversified ownership structure enhances corporate governance and aligns interests among shareholders. However, the gradual decline in promoter holding from 48.02% in December 2022 to the current level may raise concerns about long-term commitment. The fluctuation in FIIs’ percentage shareholding, with minor declines observed, could indicate varying investor sentiment towards market conditions and company performance. Overall, the investor confidence appears solid, supported by strong fundamentals and consistent profitability.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Lombard is well-positioned to capitalize on the growing demand for insurance products in India, driven by increasing awareness among consumers and regulatory support for the insurance sector. However, potential risks include market volatility and competitive pressures from both established players and new entrants, which could impact market share and pricing strategies. Additionally, the company’s liquidity position warrants attention, as a current ratio of 0.26 suggests challenges in meeting short-term obligations. If the company can enhance its cost management strategies and maintain operational efficiency, it could further improve profitability metrics. Overall, while there are inherent risks, the strong fundamentals and growth prospects make ICICI Lombard a compelling player in the non-life insurance sector, poised for continued success in the coming years.
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) | 24,822 Cr. | 150 | 215/135 | 20.8 | 0.00 | 1.20 % | 3.59 % | 3.64 % | 5.00 |
| ICICI Lombard General Insurance Company Ltd | 95,103 Cr. | 1,916 | 2,075/1,613 | 34.8 | 331 | 0.65 % | 24.9 % | 18.8 % | 10.0 |
| Industry Average | 59,962.50 Cr | 1,033.00 | 27.80 | 165.50 | 0.93% | 14.25% | 11.22% | 7.50 |
All Competitor Stocks of ICICI Lombard General Insurance Company Ltd
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,559 | 4,519 | 4,716 | 5,271 | 5,194 | 5,391 | 5,601 | 6,147 | 6,161 | 6,051 | 6,396 | 6,869 | 6,905 |
| Expenses | 4,105 | 4,874 | 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 |
| Operating Profit | 454 | -355 | 510 | 762 | 555 | 690 | 770 | 940 | 962 | 609 | 981 | 1,044 | 854 |
| OPM % | 10% | -8% | 11% | 14% | 11% | 13% | 14% | 15% | 16% | 10% | 15% | 15% | 12% |
| Other Income | 11 | 928 | 10 | 2 | 19 | 8 | 4 | -21 | -2 | 60 | 13 | 33 | 16 |
| 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 | 573 | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 |
| Tax % | 24% | 24% | 25% | 24% | 25% | 26% | 25% | 24% | 25% | 24% | 25% | 24% | 24% |
| Net Profit | 353 | 437 | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 |
| EPS in Rs | 7.18 | 8.90 | 7.95 | 11.75 | 8.76 | 10.54 | 11.77 | 14.03 | 14.63 | 10.28 | 15.04 | 16.47 | 13.23 |
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.
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 | 1.38 | 836.27 | N/A | N/A | N/A |
| ICICI Prudential India Opportunities Fund | 3,496,650 | 1.97 | 686.08 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 2,600,522 | 1.21 | 510.25 | N/A | N/A | N/A |
| SBI Large Cap Fund | 2,554,097 | 0.9 | 501.14 | N/A | N/A | N/A |
| ICICI Prudential Multi Asset Fund | 2,455,584 | 0.62 | 481.81 | 2,598,710 | 2025-12-14 15:08:53 | -5.51% |
| Nippon India Large Cap Fund | 2,013,352 | 0.78 | 395.04 | 1,713,352 | 2025-12-14 04:01:34 | 17.51% |
| SBI Midcap Fund | 2,013,000 | 1.69 | 394.97 | N/A | N/A | N/A |
| Aditya Birla Sun Life Flexi Cap Fund | 2,000,000 | 1.56 | 392.42 | 1,786,641 | 2025-12-08 01:35:30 | 11.94% |
| Axis Midcap Fund | 1,932,922 | 1.2 | 379.26 | 2,175,627 | 2025-12-14 15:08:53 | -11.16% |
| ICICI Prudential Value Fund | 1,624,004 | 0.52 | 318.65 | 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: 34.8 (Industry average Stock P/E: 27.8)
- 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 14 February 2026) is ₹2037.65 which is 6.35% higher the current market price of ₹1,916.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹95,103 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 95,103 Cr..
What is the current Stock Price of ICICI Lombard General Insurance Company Ltd as on 14 February 2026?
The current stock price of ICICI Lombard General Insurance Company Ltd as on 14 February 2026 is ₹1,916.
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 34.8.
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 0.65 %.
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.