Share Price and Basic Stock Data
Last Updated: December 11, 2025, 8:43 pm
| PEG Ratio | 6.20 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ICICI Prudential Life Insurance Company Ltd operates in the highly competitive life insurance sector in India, where it has carved out a significant market presence. As of the latest reporting, the company’s stock price stood at ₹616, and its market capitalization was ₹89,194 Cr. Over the past few quarters, revenue trends have shown volatility, with sales reporting a high of ₹26,430 Cr in December 2023, followed by a notable decline to ₹4,536 Cr in December 2024. This fluctuation reflects the cyclical nature of insurance sales, which can be influenced by seasonal demand and regulatory changes. Importantly, the company recorded a total sales revenue of ₹50,478 Cr for FY 2023, a decline from ₹63,564 Cr in FY 2022. This drop raises questions about long-term growth sustainability, particularly as the sector recovers from pandemic-induced disruptions.
Profitability and Efficiency Metrics
When examining profitability, ICICI Prudential’s performance presents a mixed picture. The company reported a net profit of ₹1,307 Cr for the trailing twelve months, which translates to an earnings per share (EPS) of ₹9.04. However, the price-to-earnings (P/E) ratio is relatively high at 68.2, suggesting that the stock may be trading at a premium compared to its earnings. Operating margins (OPM) remain low, reflecting challenges in cost management, standing at just 1% in the latest fiscal year. Notably, return on equity (ROE) is reported at 10.4%, which, while acceptable, does not stand out against the backdrop of higher-performing peers in the sector. The interest coverage ratio of 10.60x indicates that the company is comfortably covering its interest obligations, which is a positive sign for investors concerned about financial stability.
Balance Sheet Strength and Financial Ratios
The balance sheet of ICICI Prudential shows a reasonable level of strength, with total reserves recorded at ₹11,268 Cr and borrowings of ₹2,600 Cr. The debt-to-equity ratio remains low at 0.21, suggesting that the company is not overly reliant on debt financing, which could be a double-edged sword in times of financial strain. Furthermore, the company’s cash conversion cycle is reported at 0 days, indicating efficient cash management practices. However, the price-to-book value ratio is quite elevated at 6.87x, which might indicate that investors are currently paying a premium for the company’s equity relative to its book value. This could pose a risk if market conditions turn unfavorable, potentially leading to a correction in stock price.
Shareholding Pattern and Investor Confidence
The shareholding structure of ICICI Prudential is predominantly held by promoters, who own 72.93% of the company, indicating strong control and commitment. Foreign institutional investors (FIIs) hold 13.15%, while domestic institutional investors (DIIs) account for 8.65%. This distribution suggests a stable base of institutional support, which can bolster investor confidence. However, the gradual decline in FII holdings from 15.41% in December 2022 to the current 13.15% could signal a cautious approach from foreign investors toward the company’s growth prospects. The number of shareholders also fell to 3,45,273, reflecting potential concerns among retail investors about future performance and profitability.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Prudential faces both opportunities and challenges. The life insurance sector is poised for growth, driven by increasing awareness and a rising middle class. However, the company must navigate regulatory changes and intense competition from both established players and new entrants. Risks include the ongoing economic uncertainties that could impact consumer spending on insurance products and the company’s ability to maintain profitability amidst rising operational costs. Investors should approach ICICI Prudential with a balanced perspective, weighing the company’s solid market position and institutional backing against the backdrop of high valuations and fluctuating profitability. The future trajectory will largely depend on the company’s ability to innovate and adapt to changing market dynamics.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of ICICI Prudential Life Insurance Company Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| SBI Life Insurance Company Ltd (SBILIFE) | 2,01,268 Cr. | 2,007 | 2,087/1,373 | 82.0 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 58,789 Cr. | 1,704 | 1,765/950 | 360 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 92,061 Cr. | 636 | 701/517 | 70.4 | 87.9 | 0.13 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,67,253 Cr. | 775 | 821/584 | 88.3 | 78.7 | 0.27 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 129,842.75 Cr | 1,280.50 | 150.18 | 125.65 | 0.13% | 10.88% | 10.89% | 8.00 |
All Competitor Stocks of ICICI Prudential Life 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 | -1,611 | 22,605 | 17,426 | 10,984 | 23,384 | 17,388 | 26,430 | 22,482 | 25,396 | 25,158 | 4,536 | 15,687 | 25,401 |
| Expenses | -1,483 | 22,869 | 17,502 | 11,400 | 23,663 | 17,682 | 26,584 | 22,760 | 25,362 | 24,839 | 4,295 | 15,272 | 25,188 |
| Operating Profit | -128 | -264 | -76 | -416 | -280 | -293 | -155 | -278 | 34 | 319 | 241 | 415 | 213 |
| OPM % | -1% | -0% | -4% | -1% | -2% | -1% | -1% | 0% | 1% | 5% | 3% | 1% | |
| Other Income | 328 | 507 | 352 | 780 | 496 | 570 | 420 | 549 | 237 | -17 | 169 | 183 | 177 |
| 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 | 201 | 243 | 277 | 364 | 216 | 276 | 265 | 270 | 271 | 302 | 410 | 598 | 390 |
| Tax % | 22% | 18% | 20% | 35% | 5% | 12% | 14% | 36% | 17% | 17% | 21% | 36% | 23% |
| Net Profit | 157 | 200 | 222 | 235 | 206 | 244 | 227 | 174 | 224 | 251 | 325 | 385 | 301 |
| EPS in Rs | 1.09 | 1.39 | 1.54 | 1.64 | 1.43 | 1.69 | 1.58 | 1.21 | 1.56 | 1.74 | 2.25 | 2.67 | 2.08 |
Last Updated: August 1, 2025, 7:45 pm
Below is a detailed analysis of the quarterly data for ICICI Prudential Life 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 25,401.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,687.00 Cr. (Mar 2025) to 25,401.00 Cr., marking an increase of 9,714.00 Cr..
- For Expenses, as of Jun 2025, the value is 25,188.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15,272.00 Cr. (Mar 2025) to 25,188.00 Cr., marking an increase of 9,916.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 213.00 Cr.. The value appears to be declining and may need further review. It has decreased from 415.00 Cr. (Mar 2025) to 213.00 Cr., marking a decrease of 202.00 Cr..
- For OPM %, as of Jun 2025, the value is 1.00%. The value appears to be declining and may need further review. It has decreased from 3.00% (Mar 2025) to 1.00%, marking a decrease of 2.00%.
- For Other Income, as of Jun 2025, the value is 177.00 Cr.. The value appears to be declining and may need further review. It has decreased from 183.00 Cr. (Mar 2025) to 177.00 Cr., marking a decrease of 6.00 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 390.00 Cr.. The value appears to be declining and may need further review. It has decreased from 598.00 Cr. (Mar 2025) to 390.00 Cr., marking a decrease of 208.00 Cr..
- For Tax %, as of Jun 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 36.00% (Mar 2025) to 23.00%, marking a decrease of 13.00%.
- For Net Profit, as of Jun 2025, the value is 301.00 Cr.. The value appears to be declining and may need further review. It has decreased from 385.00 Cr. (Mar 2025) to 301.00 Cr., marking a decrease of 84.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.08. The value appears to be declining and may need further review. It has decreased from 2.67 (Mar 2025) to 2.08, marking a decrease of 0.59.
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 | 21,888 | 34,453 | 20,849 | 37,816 | 38,832 | 41,463 | 21,025 | 83,182 | 63,564 | 50,478 | 89,683 | 70,778 | 57,561 |
| Expenses | 20,384 | 32,798 | 19,008 | 36,010 | 37,062 | 40,922 | 21,344 | 83,572 | 65,728 | 52,235 | 90,580 | 69,635 | 56,711 |
| Operating Profit | 1,504 | 1,655 | 1,842 | 1,806 | 1,771 | 541 | -319 | -390 | -2,163 | -1,757 | -897 | 1,144 | 850 |
| OPM % | 7% | 5% | 9% | 5% | 5% | 1% | -2% | -0% | -3% | -3% | -1% | 2% | 1% |
| Other Income | 129 | 43 | 0 | 130 | 132 | 813 | 1,578 | 1,669 | 3,191 | 2,925 | 2,039 | 572 | 938 |
| Interest | 15 | 17 | 0 | 15 | 20 | 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 47 | 40 | 0 | 58 | 44 | 57 | 61 | 60 | 67 | 84 | 113 | 134 | 0 |
| Profit before tax | 1,572 | 1,642 | 1,842 | 1,863 | 1,839 | 1,274 | 1,198 | 1,219 | 961 | 1,085 | 1,028 | 1,582 | 1,788 |
| Tax % | 1% | 0% | 10% | 10% | 12% | 11% | 11% | 22% | 21% | 25% | 17% | 25% | |
| Net Profit | 1,561 | 1,640 | 1,650 | 1,682 | 1,619 | 1,139 | 1,067 | 956 | 759 | 813 | 851 | 1,186 | 1,307 |
| EPS in Rs | 10.92 | 11.46 | 11.52 | 11.72 | 11.28 | 7.93 | 7.43 | 6.66 | 5.28 | 5.65 | 5.90 | 8.20 | 9.04 |
| Dividend Payout % | 70% | 51% | 73% | 63% | 59% | 40% | 11% | 30% | 10% | 11% | 10% | 10% |
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 (%) | 5.06% | 0.61% | 1.94% | -3.75% | -29.65% | -6.32% | -10.40% | -20.61% | 7.11% | 4.67% | 39.37% |
| Change in YoY Net Profit Growth (%) | 0.00% | -4.45% | 1.33% | -5.68% | -25.90% | 23.33% | -4.08% | -10.20% | 27.72% | -2.44% | 34.69% |
ICICI Prudential Life 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: | 7% |
| 5 Years: | 27% |
| 3 Years: | 4% |
| TTM: | -23% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -3% |
| 5 Years: | 2% |
| 3 Years: | 16% |
| TTM: | 45% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 0% |
| 1 Year: | -21% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 9% |
| 3 Years: | 9% |
| Last Year: | 10% |
Last Updated: September 5, 2025, 6:45 am
Balance Sheet
Last Updated: December 4, 2025, 1:23 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 | 1,429 | 1,432 | 1,432 | 1,435 | 1,436 | 1,436 | 1,436 | 1,436 | 1,437 | 1,439 | 1,441 | 1,445 | 1,447 |
| Reserves | 2,954 | 3,833 | 3,891 | 4,971 | 5,138 | 5,435 | 5,777 | 7,673 | 7,721 | 8,651 | 9,564 | 10,488 | 11,268 |
| Borrowings | 0 | 0 | 1,029 | 0 | 0 | 0 | 0 | 1,200 | 1,200 | 1,200 | 1,200 | 2,600 | 2,600 |
| Other Liabilities | 77,090 | 95,951 | 98,413 | 118,335 | 135,245 | 156,215 | 148,818 | 206,911 | 234,079 | 244,562 | 286,796 | 299,705 | 309,197 |
| Total Liabilities | 81,474 | 101,215 | 104,765 | 124,741 | 141,819 | 163,086 | 156,031 | 217,220 | 244,437 | 255,851 | 299,001 | 314,239 | 324,512 |
| Fixed Assets | 197 | 209 | 212 | 207 | 404 | 463 | 932 | 911 | 433 | 479 | 1,168 | 1,315 | 834 |
| CWIP | 5 | 6 | 7 | 7 | 18 | 13 | 20 | 22 | 54 | 117 | 49 | 36 | 0 |
| Investments | 80,101 | 99,491 | 103,024 | 121,581 | 138,537 | 159,003 | 150,776 | 211,727 | 238,101 | 248,216 | 289,230 | 303,475 | 315,790 |
| Other Assets | 1,171 | 1,509 | 1,522 | 2,946 | 2,859 | 3,607 | 4,303 | 4,560 | 5,848 | 7,039 | 8,553 | 9,412 | 7,888 |
| Total Assets | 81,474 | 101,215 | 104,765 | 124,741 | 141,819 | 163,086 | 156,031 | 217,220 | 244,437 | 255,851 | 299,001 | 314,239 | 324,512 |
Below is a detailed analysis of the balance sheet data for ICICI Prudential Life 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 1,447.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,445.00 Cr. (Mar 2025) to 1,447.00 Cr., marking an increase of 2.00 Cr..
- For Reserves, as of Sep 2025, the value is 11,268.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,488.00 Cr. (Mar 2025) to 11,268.00 Cr., marking an increase of 780.00 Cr..
- For Borrowings, as of Sep 2025, the value is 2,600.00 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 2,600.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 309,197.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 299,705.00 Cr. (Mar 2025) to 309,197.00 Cr., marking an increase of 9,492.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 324,512.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 314,239.00 Cr. (Mar 2025) to 324,512.00 Cr., marking an increase of 10,273.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 834.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,315.00 Cr. (Mar 2025) to 834.00 Cr., marking a decrease of 481.00 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 36.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 36.00 Cr..
- For Investments, as of Sep 2025, the value is 315,790.00 Cr.. The value appears strong and on an upward trend. It has increased from 303,475.00 Cr. (Mar 2025) to 315,790.00 Cr., marking an increase of 12,315.00 Cr..
- For Other Assets, as of Sep 2025, the value is 7,888.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9,412.00 Cr. (Mar 2025) to 7,888.00 Cr., marking a decrease of 1,524.00 Cr..
- For Total Assets, as of Sep 2025, the value is 324,512.00 Cr.. The value appears strong and on an upward trend. It has increased from 314,239.00 Cr. (Mar 2025) to 324,512.00 Cr., marking an increase of 10,273.00 Cr..
Notably, the Reserves (11,268.00 Cr.) exceed the Borrowings (2,600.00 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 - No data available for this post.
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 | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 | 541.00 | -319.00 | -391.00 | -3.00 | -2.00 | -898.00 | -1.00 |
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 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -17 | -10 | -16 | -2 | -9 | -9 | -5 | -2 | -6 | -5 | 2 | 3 |
| ROCE % | 38% | 34% | 32% | 29% | 29% | 16% | 17% | 14% | 9% | 10% | 9% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Large Cap Fund | 16,844,782 | 1.31 | 995.78 | N/A | N/A | N/A |
| SBI Contra Fund | 8,824,999 | 1.06 | 521.69 | 1,824,999 | 2025-12-08 07:44:19 | 383.56% |
| SBI Large Cap Fund | 7,336,365 | 0.79 | 433.69 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 6,904,842 | 1.28 | 408.18 | N/A | N/A | N/A |
| SBI Balanced Advantage Fund | 5,629,765 | 0.86 | 332.8 | 4,309,217 | 2025-12-08 06:40:04 | 30.64% |
| ICICI Prudential Multi Asset Fund | 5,604,307 | 0.46 | 331.3 | N/A | N/A | N/A |
| ICICI Prudential Large & Mid Cap Fund | 4,949,064 | 1.14 | 292.56 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 3,900,000 | 2.49 | 230.55 | N/A | N/A | N/A |
| ICICI Prudential Equity & Debt Fund | 3,615,839 | 0.44 | 213.75 | N/A | N/A | N/A |
| ICICI Prudential Business Cycle Fund | 2,779,890 | 1.09 | 164.33 | 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.) | 8.21 | 5.91 | 5.66 | 5.28 | 6.66 |
| Diluted EPS (Rs.) | 8.16 | 5.89 | 5.65 | 5.26 | 6.65 |
| Cash EPS (Rs.) | 9.13 | 6.69 | 6.24 | 5.75 | 7.08 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 82.29 | 76.12 | 69.90 | 63.50 | 84.28 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 82.57 | 76.39 | 70.13 | 63.72 | 84.76 |
| Revenue From Operations / Share (Rs.) | 489.70 | 622.53 | 343.42 | 433.49 | 579.27 |
| PBDIT / Share (Rs.) | 10.68 | 6.12 | 10.89 | 8.15 | 9.97 |
| PBIT / Share (Rs.) | 9.76 | 5.33 | 10.31 | 7.69 | 9.56 |
| PBT / Share (Rs.) | 8.75 | 4.48 | 9.53 | 6.89 | 9.33 |
| Net Profit / Share (Rs.) | 8.20 | 5.90 | 5.65 | 5.28 | 6.66 |
| NP After MI And SOA / Share (Rs.) | 8.20 | 5.90 | 5.65 | 5.28 | 6.66 |
| PBDIT Margin (%) | 2.18 | 0.98 | 3.17 | 1.88 | 1.72 |
| PBIT Margin (%) | 1.99 | 0.85 | 3.00 | 1.77 | 1.65 |
| PBT Margin (%) | 1.78 | 0.71 | 2.77 | 1.59 | 1.61 |
| Net Profit Margin (%) | 1.67 | 0.94 | 1.64 | 1.21 | 1.14 |
| NP After MI And SOA Margin (%) | 1.67 | 0.94 | 1.64 | 1.21 | 1.14 |
| Return on Networth / Equity (%) | 9.96 | 7.75 | 8.09 | 8.31 | 7.90 |
| Return on Capital Employeed (%) | 0.45 | 0.26 | 0.59 | 0.46 | 0.64 |
| Return On Assets (%) | 0.37 | 0.28 | 0.31 | 0.31 | 0.44 |
| Long Term Debt / Equity (X) | 0.21 | 0.10 | 0.11 | 0.13 | 0.09 |
| Total Debt / Equity (X) | 0.21 | 0.10 | 0.11 | 0.13 | 0.09 |
| Asset Turnover Ratio (%) | 0.23 | 0.32 | 0.19 | 0.26 | 0.44 |
| Current Ratio (X) | 1.29 | 1.24 | 1.01 | 0.93 | 1.04 |
| Quick Ratio (X) | 1.29 | 1.24 | 1.01 | 0.93 | 1.04 |
| Dividend Payout Ratio (NP) (%) | 7.29 | 10.14 | 9.71 | 37.84 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 6.55 | 8.95 | 8.81 | 34.77 | 0.00 |
| Earning Retention Ratio (%) | 92.71 | 89.86 | 90.29 | 62.16 | 0.00 |
| Cash Earning Retention Ratio (%) | 93.45 | 91.05 | 91.19 | 65.23 | 0.00 |
| Interest Coverage Ratio (X) | 10.60 | 7.19 | 13.85 | 10.29 | 43.57 |
| Interest Coverage Ratio (Post Tax) (X) | 6.96 | 4.82 | 10.71 | 7.93 | 33.75 |
| Enterprise Value (Cr.) | 83325.68 | 88088.58 | 63088.95 | 72358.44 | 64578.41 |
| EV / Net Operating Revenue (X) | 1.18 | 0.98 | 1.28 | 1.16 | 0.77 |
| EV / EBITDA (X) | 53.98 | 99.93 | 40.26 | 61.75 | 45.08 |
| MarketCap / Net Operating Revenue (X) | 1.15 | 0.97 | 1.27 | 1.15 | 0.76 |
| Retention Ratios (%) | 92.70 | 89.85 | 90.28 | 62.15 | 0.00 |
| Price / BV (X) | 6.87 | 8.00 | 6.23 | 7.87 | 5.28 |
| Price / Net Operating Revenue (X) | 1.15 | 0.97 | 1.27 | 1.15 | 0.76 |
| EarningsYield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
After reviewing the key financial ratios for ICICI Prudential Life 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 8.21. This value is within the healthy range. It has increased from 5.91 (Mar 24) to 8.21, marking an increase of 2.30.
- For Diluted EPS (Rs.), as of Mar 25, the value is 8.16. This value is within the healthy range. It has increased from 5.89 (Mar 24) to 8.16, marking an increase of 2.27.
- For Cash EPS (Rs.), as of Mar 25, the value is 9.13. This value is within the healthy range. It has increased from 6.69 (Mar 24) to 9.13, marking an increase of 2.44.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 82.29. It has increased from 76.12 (Mar 24) to 82.29, marking an increase of 6.17.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 82.57. It has increased from 76.39 (Mar 24) to 82.57, marking an increase of 6.18.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 489.70. It has decreased from 622.53 (Mar 24) to 489.70, marking a decrease of 132.83.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 10.68. This value is within the healthy range. It has increased from 6.12 (Mar 24) to 10.68, marking an increase of 4.56.
- For PBIT / Share (Rs.), as of Mar 25, the value is 9.76. This value is within the healthy range. It has increased from 5.33 (Mar 24) to 9.76, marking an increase of 4.43.
- For PBT / Share (Rs.), as of Mar 25, the value is 8.75. This value is within the healthy range. It has increased from 4.48 (Mar 24) to 8.75, marking an increase of 4.27.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 8.20. This value is within the healthy range. It has increased from 5.90 (Mar 24) to 8.20, marking an increase of 2.30.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 8.20. This value is within the healthy range. It has increased from 5.90 (Mar 24) to 8.20, marking an increase of 2.30.
- For PBDIT Margin (%), as of Mar 25, the value is 2.18. This value is below the healthy minimum of 10. It has increased from 0.98 (Mar 24) to 2.18, marking an increase of 1.20.
- For PBIT Margin (%), as of Mar 25, the value is 1.99. This value is below the healthy minimum of 10. It has increased from 0.85 (Mar 24) to 1.99, marking an increase of 1.14.
- For PBT Margin (%), as of Mar 25, the value is 1.78. This value is below the healthy minimum of 10. It has increased from 0.71 (Mar 24) to 1.78, marking an increase of 1.07.
- For Net Profit Margin (%), as of Mar 25, the value is 1.67. This value is below the healthy minimum of 5. It has increased from 0.94 (Mar 24) to 1.67, marking an increase of 0.73.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 1.67. This value is below the healthy minimum of 8. It has increased from 0.94 (Mar 24) to 1.67, marking an increase of 0.73.
- For Return on Networth / Equity (%), as of Mar 25, the value is 9.96. This value is below the healthy minimum of 15. It has increased from 7.75 (Mar 24) to 9.96, marking an increase of 2.21.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.45. This value is below the healthy minimum of 10. It has increased from 0.26 (Mar 24) to 0.45, marking an increase of 0.19.
- For Return On Assets (%), as of Mar 25, the value is 0.37. This value is below the healthy minimum of 5. It has increased from 0.28 (Mar 24) to 0.37, marking an increase of 0.09.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.21. This value is within the healthy range. It has increased from 0.10 (Mar 24) to 0.21, marking an increase of 0.11.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.21. This value is within the healthy range. It has increased from 0.10 (Mar 24) to 0.21, marking an increase of 0.11.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.23. It has decreased from 0.32 (Mar 24) to 0.23, marking a decrease of 0.09.
- For Current Ratio (X), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 1.5. It has increased from 1.24 (Mar 24) to 1.29, marking an increase of 0.05.
- For Quick Ratio (X), as of Mar 25, the value is 1.29. This value is within the healthy range. It has increased from 1.24 (Mar 24) to 1.29, marking an increase of 0.05.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 7.29. This value is below the healthy minimum of 20. It has decreased from 10.14 (Mar 24) to 7.29, marking a decrease of 2.85.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 6.55. This value is below the healthy minimum of 20. It has decreased from 8.95 (Mar 24) to 6.55, marking a decrease of 2.40.
- For Earning Retention Ratio (%), as of Mar 25, the value is 92.71. This value exceeds the healthy maximum of 70. It has increased from 89.86 (Mar 24) to 92.71, marking an increase of 2.85.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 93.45. This value exceeds the healthy maximum of 70. It has increased from 91.05 (Mar 24) to 93.45, marking an increase of 2.40.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 10.60. This value is within the healthy range. It has increased from 7.19 (Mar 24) to 10.60, marking an increase of 3.41.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 6.96. This value is within the healthy range. It has increased from 4.82 (Mar 24) to 6.96, marking an increase of 2.14.
- For Enterprise Value (Cr.), as of Mar 25, the value is 83,325.68. It has decreased from 88,088.58 (Mar 24) to 83,325.68, marking a decrease of 4,762.90.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 1.18. This value is within the healthy range. It has increased from 0.98 (Mar 24) to 1.18, marking an increase of 0.20.
- For EV / EBITDA (X), as of Mar 25, the value is 53.98. This value exceeds the healthy maximum of 15. It has decreased from 99.93 (Mar 24) to 53.98, marking a decrease of 45.95.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.15. This value is within the healthy range. It has increased from 0.97 (Mar 24) to 1.15, marking an increase of 0.18.
- For Retention Ratios (%), as of Mar 25, the value is 92.70. This value exceeds the healthy maximum of 70. It has increased from 89.85 (Mar 24) to 92.70, marking an increase of 2.85.
- For Price / BV (X), as of Mar 25, the value is 6.87. This value exceeds the healthy maximum of 3. It has decreased from 8.00 (Mar 24) to 6.87, marking a decrease of 1.13.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.15. This value is within the healthy range. It has increased from 0.97 (Mar 24) to 1.15, marking an increase of 0.18.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.01.
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 Prudential Life Insurance Company Ltd:
- Net Profit Margin: 1.67%
- 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: 0.45% (Industry Average ROCE: 10.88%)
- 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%: 9.96% (Industry Average ROE: 10.89%)
- 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): 6.96
- 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: 1.29
- 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: 70.4 (Industry average Stock P/E: 150.18)
- 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: 0.21
- 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: 1.67%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Life Insurance | ICICI PruLife Towers, 1089, Mumbai Maharashtra 400025 | investor@iciciprulife.com http://www.iciciprulife.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sandeep Batra | Chairman & Non-Exe.Director |
| Mr. Anup Bagchi | Managing Director & CEO |
| Mr. Anuj Bhargava | Non Executive Director |
| Mr. Solmaz Altin | Non Executive Director |
| Mr. Naved Masood | Independent Director |
| Mr. R K Nair | Independent Director |
| Ms. Vibha Paul Rishi | Independent Director |
| Mr. Suresh Vaswani | Independent Director |
| Ms. Anuradha Bhatia | Independent Director |
FAQ
What is the intrinsic value of ICICI Prudential Life Insurance Company Ltd?
ICICI Prudential Life Insurance Company Ltd's intrinsic value (as of 11 December 2025) is 515.52 which is 18.94% lower the current market price of 636.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 92,061 Cr. market cap, FY2025-2026 high/low of 701/517, reserves of ₹11,268 Cr, and liabilities of 324,512 Cr.
What is the Market Cap of ICICI Prudential Life Insurance Company Ltd?
The Market Cap of ICICI Prudential Life Insurance Company Ltd is 92,061 Cr..
What is the current Stock Price of ICICI Prudential Life Insurance Company Ltd as on 11 December 2025?
The current stock price of ICICI Prudential Life Insurance Company Ltd as on 11 December 2025 is 636.
What is the High / Low of ICICI Prudential Life Insurance Company Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ICICI Prudential Life Insurance Company Ltd stocks is 701/517.
What is the Stock P/E of ICICI Prudential Life Insurance Company Ltd?
The Stock P/E of ICICI Prudential Life Insurance Company Ltd is 70.4.
What is the Book Value of ICICI Prudential Life Insurance Company Ltd?
The Book Value of ICICI Prudential Life Insurance Company Ltd is 87.9.
What is the Dividend Yield of ICICI Prudential Life Insurance Company Ltd?
The Dividend Yield of ICICI Prudential Life Insurance Company Ltd is 0.13 %.
What is the ROCE of ICICI Prudential Life Insurance Company Ltd?
The ROCE of ICICI Prudential Life Insurance Company Ltd is 11.9 %.
What is the ROE of ICICI Prudential Life Insurance Company Ltd?
The ROE of ICICI Prudential Life Insurance Company Ltd is 10.4 %.
What is the Face Value of ICICI Prudential Life Insurance Company Ltd?
The Face Value of ICICI Prudential Life Insurance Company Ltd is 10.0.