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ICICI Prudential Life Insurance Company Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹458.38Overvalued by 14.48%vs CMP ₹536.00

P/E (48.3) × ROE (12.6%) × BV (₹94.00) × DY (0.16%)

₹209.09Overvalued by 60.99%vs CMP ₹536.00
MoS: -156.3% (Negative)Confidence: 58/100 (Moderate)Models: 2 Fair, 7 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹515.0922%Fair (-3.9%)
Graham NumberEarnings₹141.4516%Over (-73.6%)
Earnings PowerEarnings₹33.8713%Over (-93.7%)
DCFCash Flow₹154.6213%Over (-71.2%)
Net Asset ValueAssets₹94.047%Over (-82.5%)
EV/EBITDAEnterprise₹88.989%Over (-83.4%)
Earnings YieldEarnings₹94.607%Over (-82.4%)
ROCE CapitalReturns₹5.977%Over (-98.9%)
Revenue MultipleRevenue₹488.325%Fair (-8.9%)
Consensus (9 models)₹209.09100%Overvalued
Key Drivers: Wide model spread (₹6–₹515) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 12.4%

*Investments are subject to market risks

Analyst Summary

ICICI Prudential Life Insurance Company Ltd operates in the Finance - Life Insurance segment, current market price is ₹536.00, market cap is 77,689 Cr.. At a glance, stock P/E is 48.3, ROE is 12.6 %, ROCE is 10.1 %, book value is 94.0, dividend yield is 0.16 %. The latest intrinsic value estimate is ₹209.09, around 61.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹70,778 Cr versus the prior period change of -21.1%, while latest net profit is about ₹1,186 Cr with a prior-period change of 39.4%. The 52-week range shown on this page is 707/491, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisICICI Prudential Life Insurance Company Ltd. is a Public Limited Listed company incorporated on 20/07/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identif…

This summary is generated from the stock page data available for ICICI Prudential Life Insurance Company Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

64
ICICI Prudential Life Insurance Company Ltd scores 64/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health71/100 · Strong
ROCE 10.1% AverageROE 12.6% GoodD/E 0.09 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money45/100 · Moderate
FII holding down -1.76% (6mo) SellingDII holding up 1.61% MF buyingPromoter holding at 72.9% Stable
Earnings Quality65/100 · Strong
OPM expanding (-3% → 1%) Improving
Quarterly Momentum70/100 · Strong
Revenue (4Q): -2% YoY FlatProfit (4Q): +41% YoY Strong
Industry Rank50/100 · Moderate
P/E 48.3 vs industry 116.8 Cheaper than peersROCE 10.1% vs industry 19.3% Below peers3Y sales CAGR: 4% Slow

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: May 5, 2026, 12:17 am

Market Cap 77,689 Cr.
Current Price 536
Intrinsic Value₹209.09
High / Low 707/491
Stock P/E48.3
Book Value 94.0
Dividend Yield0.16 %
ROCE10.1 %
ROE12.6 %
Face Value 10.0
PEG Ratio3.90

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

View Share Price Target for ICICI Prudential Life Insurance Company Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
ICICI Prudential Life Insurance Company Ltd 77,689 Cr. 536 707/49148.3 94.00.16 %10.1 %12.6 % 10.0
Max Financial Services Ltd 55,432 Cr. 1,607 1,892/1,247386 1540.00 %8.13 %7.26 % 2.00
HDFC Life Insurance Company Ltd 1,26,999 Cr. 588 821/55566.4 82.30.36 %10.3 %11.3 % 10.0
SBI Life Insurance Company Ltd (SBILIFE) 1,82,479 Cr. 1,820 2,133/1,66373.9 1900.15 %15.0 %13.7 % 10.0
Life Insurance Corporation of India 5,07,265 Cr. 802 980/7229.57 2241.50 %53.1 %45.7 % 10.0
Industry Average189,972.80 Cr1,070.60116.83148.860.43%19.33%18.11%8.40

All Competitor Stocks of ICICI Prudential Life Insurance Company Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 17,42610,98423,38417,38826,43022,48225,39625,1584,53615,68725,40111,93622,834
Expenses 17,50211,40023,66317,68226,58422,76025,36224,8394,29515,27225,18811,95522,093
Operating Profit -76-416-280-293-155-27834319241415213-19741
OPM % -0%-4%-1%-2%-1%-1%0%1%5%3%1%-0%3%
Other Income 352780496570420549237-17169183177408-243
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 277364216276265270271302410598390389498
Tax % 20%35%5%12%14%36%17%17%21%36%23%24%22%
Net Profit 222235206244227174224251325385301296387
EPS in Rs 1.541.641.431.691.581.211.561.742.252.672.082.042.67

Last Updated: February 5, 2026, 3:06 pm

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 21,88834,45320,84937,81638,83241,46321,02583,18263,56450,47889,68370,77875,859
Expenses 20,38432,79819,00836,01037,06240,92221,34483,57265,72852,23590,58069,62174,509
Operating Profit 1,5041,6551,8421,8061,771541-319-390-2,163-1,757-8971,1571,350
OPM % 7%5%9%5%5%1%-2%-0%-3%-3%-1%2%2%
Other Income 1294301301328131,5781,6693,1912,9252,039558526
Interest 151701520230000000
Depreciation 47400584457616067841131340
Profit before tax 1,5721,6421,8421,8631,8391,2741,1981,2199611,0851,0281,5821,876
Tax % 1%0%10%10%12%11%11%22%21%25%17%25%
Net Profit 1,5611,6401,6501,6821,6191,1391,0679567598138511,1861,369
EPS in Rs 10.9211.4611.5211.7211.287.937.436.665.285.655.908.209.46
Dividend Payout % 70%51%73%63%59%40%11%30%10%11%10%10%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: April 28, 2026, 1:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 1,4321,4321,4351,4361,4361,4361,4361,4371,4391,4411,4451,449
Reserves 3,8333,8914,9715,1385,4355,7777,6737,7218,6519,56410,48812,182
Borrowings 01,02900001,2001,2001,2001,2002,6002,595
Other Liabilities 95,95198,413118,335135,245156,215148,818206,911234,079244,562286,796299,705303,509
Total Liabilities 101,215104,765124,741141,819163,086156,031217,220244,437255,851299,001314,239319,735
Fixed Assets 2092122074044639329114334791,1681,315711
CWIP 677181320225411749360
Investments 99,491103,024121,581138,537159,003150,776211,727238,101248,216289,230303,475308,079
Other Assets 1,5091,5222,9462,8593,6074,3034,5605,8487,0398,5539,41210,944
Total Assets 101,215104,765124,741141,819163,086156,031217,220244,437255,851299,001314,239319,735

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 5233,6344,1305,69011,3778,5967,3141,83189-7,315-9,413-5,355
Cash from Investing Activity + -1,82227-696-5,389-7,559-10,797-5,084-816-1,1457,4206,8757,571
Cash from Financing Activity + -966-1,442-994-1,188-843-4051,205-319-112-881,422-171
Net Cash Flow -2,2642,2192,439-8872,975-2,6063,434696-1,16817-1,1162,045
Free Cash Flow 4713,5834,0785,62211,270-112,9097,2791,736-105-7,550-9,668-5,477
CFO/OP 32%208%229%321%2,103%-2,710%-1,930%-95%-21%790%-784%-2,643%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.001.000.001.001.00541.00-319.00-391.00-3.00-2.00-898.00-1.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 003000000000
Inventory Days
Days Payable
Cash Conversion Cycle 003000000000
Working Capital Days -17-10-16-2-9-9-5-2-6-523
ROCE %38%34%32%29%29%16%17%14%9%10%9%12%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 73.34%73.33%73.30%73.27%73.24%73.17%73.05%73.01%73.00%72.96%72.93%72.88%
FIIs 15.20%15.43%15.51%14.73%13.35%13.23%12.98%12.78%13.24%13.12%13.15%11.48%
DIIs 6.14%6.32%6.37%6.92%8.54%8.82%9.29%9.45%8.80%8.86%8.65%10.41%
Public 5.30%4.92%4.81%5.06%4.85%4.75%4.66%4.76%4.94%5.07%5.26%5.22%
No. of Shareholders 3,82,9443,62,3423,52,3953,58,7593,41,0393,29,3743,23,6613,26,2083,29,8973,41,3463,45,2733,36,234

Shareholding Pattern Chart

No. of Shareholders

ICICI Prudential Life 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
ICICI Prudential Large Cap Fund 16,342,087 1.36 1040.7516,844,7822026-02-23 07:04:07-2.98%
SBI Large Cap Fund 10,121,950 1.18 644.629,380,3962026-02-23 03:29:497.91%
ICICI Prudential Multi Asset Fund 9,020,624 0.71 574.488,621,3122026-02-23 07:04:074.63%
SBI Contra Fund 8,824,999 1.15 562.021,824,9992025-12-08 07:44:19383.56%
SBI Midcap Fund 8,082,325 2.3 514.72N/AN/AN/A
ICICI Prudential Large & Mid Cap Fund 7,217,902 1.67 459.676,753,2792026-02-23 07:04:076.88%
SBI ELSS Tax Saver Fund 6,904,842 1.38 439.73N/AN/AN/A
SBI Balanced Advantage Fund 5,629,765 0.89 358.534,309,2172025-12-08 06:40:0430.64%
SBI Banking & Financial Services Fund 4,536,806 2.77 288.933,900,0002026-02-23 07:04:0716.33%
SBI Flexicap Fund 3,365,186 0.93 214.31N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 8.215.915.665.286.66
Diluted EPS (Rs.) 8.165.895.655.266.65
Cash EPS (Rs.) 9.136.696.245.757.08
Book Value[Excl.RevalReserv]/Share (Rs.) 82.2976.1269.9063.5084.28
Book Value[Incl.RevalReserv]/Share (Rs.) 82.5776.3970.1363.7284.76
Revenue From Operations / Share (Rs.) 489.70622.53343.42433.49579.27
PBDIT / Share (Rs.) 10.686.1210.898.159.97
PBIT / Share (Rs.) 9.765.3310.317.699.56
PBT / Share (Rs.) 8.754.489.536.899.33
Net Profit / Share (Rs.) 8.205.905.655.286.66
NP After MI And SOA / Share (Rs.) 8.205.905.655.286.66
PBDIT Margin (%) 2.180.983.171.881.72
PBIT Margin (%) 1.990.853.001.771.65
PBT Margin (%) 1.780.712.771.591.61
Net Profit Margin (%) 1.670.941.641.211.14
NP After MI And SOA Margin (%) 1.670.941.641.211.14
Return on Networth / Equity (%) 9.967.758.098.317.90
Return on Capital Employeed (%) 0.450.260.590.460.64
Return On Assets (%) 0.370.280.310.310.44
Long Term Debt / Equity (X) 0.210.100.110.130.09
Total Debt / Equity (X) 0.210.100.110.130.09
Asset Turnover Ratio (%) 0.230.320.190.260.44
Current Ratio (X) 1.291.241.010.931.04
Quick Ratio (X) 1.291.241.010.931.04
Dividend Payout Ratio (NP) (%) 7.2910.149.7137.840.00
Dividend Payout Ratio (CP) (%) 6.558.958.8134.770.00
Earning Retention Ratio (%) 92.7189.8690.2962.160.00
Cash Earning Retention Ratio (%) 93.4591.0591.1965.230.00
Interest Coverage Ratio (X) 10.607.1913.8510.2943.57
Interest Coverage Ratio (Post Tax) (X) 6.964.8210.717.9333.75
Enterprise Value (Cr.) 83325.6888088.5863088.9572358.4464578.41
EV / Net Operating Revenue (X) 1.180.981.281.160.77
EV / EBITDA (X) 53.9899.9340.2661.7545.08
MarketCap / Net Operating Revenue (X) 1.150.971.271.150.76
Retention Ratios (%) 92.7089.8590.2862.150.00
Price / BV (X) 6.878.006.237.875.28
Price / Net Operating Revenue (X) 1.150.971.271.150.76
EarningsYield 0.010.010.010.010.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

ICICI Prudential Life Insurance Company Ltd. is a Public Limited Listed company incorporated on 20/07/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L66010MH2000PLC127837 and registration number is 127837. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 63466.66 Cr. and Equity Capital is Rs. 1449.28 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Finance - Life InsuranceICICI PruLife Towers, 1089, Mumbai Maharashtra 400025Contact not found
Management
NamePosition Held
Mr. Sandeep BatraChairman & Non-Exe.Director
Mr. Anup BagchiManaging Director & CEO
Mr. Anuj BhargavaNon Executive Director
Mr. Solmaz AltinNon Executive Director
Mr. Naved MasoodIndependent Director
Mr. R K NairIndependent Director
Ms. Vibha Paul RishiIndependent Director
Mr. Suresh VaswaniIndependent Director
Ms. Anuradha BhatiaIndependent Director

FAQ

What is the intrinsic value of ICICI Prudential Life Insurance Company Ltd and is it undervalued?

As of 04 May 2026, ICICI Prudential Life Insurance Company Ltd's intrinsic value is ₹209.09, which is 60.99% lower than the current market price of ₹536.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (12.6 %), book value (₹94.0), dividend yield (0.16 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of ICICI Prudential Life Insurance Company Ltd?

ICICI Prudential Life Insurance Company Ltd is trading at ₹536.00 as of 04 May 2026, with a FY2026-2027 high of ₹707 and low of ₹491. The stock is currently near its 52-week low. Market cap stands at ₹77,689 Cr..

How does ICICI Prudential Life Insurance Company Ltd's P/E ratio compare to its industry?

ICICI Prudential Life Insurance Company Ltd has a P/E ratio of 48.3, which is below the industry average of 116.83. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is ICICI Prudential Life Insurance Company Ltd financially healthy?

Key indicators for ICICI Prudential Life Insurance Company Ltd: ROCE of 10.1 % is moderate. Dividend yield is 0.16 %.

Is ICICI Prudential Life Insurance Company Ltd profitable and how is the profit trend?

ICICI Prudential Life Insurance Company Ltd reported a net profit of ₹1,186 Cr in Mar 2025 on revenue of ₹70,778 Cr. Compared to ₹759 Cr in Mar 2022, the net profit shows an improving trend.

Does ICICI Prudential Life Insurance Company Ltd pay dividends?

ICICI Prudential Life Insurance Company Ltd has a dividend yield of 0.16 % at the current price of ₹536.00. The company pays dividends, though the yield is modest.

Last Updated: May 5, 2026, 12:17 am
Author: Getaka|Social: XLinkedIn
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 Prudential Life 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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