Share Price and Basic Stock Data
Last Updated: November 12, 2025, 3:03 am
| PEG Ratio | 6.09 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
ICICI Prudential Life Insurance Company Ltd, operating in the finance and life insurance sector, reported a market capitalization of ₹86,888 Cr and a share price of ₹600. The company has demonstrated a volatile revenue trajectory, with sales recorded at ₹50,478 Cr for the year ending March 2023, down from ₹63,564 Cr in March 2022, indicating a decline of approximately 20.8%. However, the company is on a recovery path, with sales projected to rise to ₹89,683 Cr for the year ending March 2024, reflecting a significant rebound. Quarterly sales figures also exhibit fluctuations, with the latest quarter (June 2024) reporting sales of ₹25,396 Cr, following a dip to ₹4,536 Cr in December 2024. This inconsistent performance suggests a need for strategic adjustments to stabilize revenue streams and improve market positioning.
Profitability and Efficiency Metrics
The profitability metrics of ICICI Prudential have shown a mixed performance with a reported net profit of ₹1,307 Cr for the trailing twelve months. The return on equity (ROE) stood at 10.3%, while the return on capital employed (ROCE) was slightly higher at 11.8%. Operating profit margins (OPM) have been under pressure, recorded at just 1% for the current fiscal year, with operating losses noted in several quarters, particularly in March 2023, where it stood at -4%. The interest coverage ratio (ICR) is healthy at 10.60x, indicating robust ability to meet interest obligations. However, the company’s OPM remains below typical sector averages, suggesting inefficiencies that could hinder profitability if not addressed promptly. The reported figures underscore the importance of operational efficiencies and cost management to enhance margins.
Balance Sheet Strength and Financial Ratios
ICICI Prudential maintains a reasonably strong balance sheet with total assets recorded at ₹314,239 Cr and total liabilities at ₹299,001 Cr, resulting in a modest net asset position. The company reported reserves of ₹10,488 Cr, signifying a solid buffer for potential downturns. Borrowings have increased to ₹2,600 Cr, up from ₹1,200 Cr in the previous year, which raises questions regarding leverage and financial flexibility. The price-to-book value ratio (P/BV) was noted at 6.87x, indicating a premium valuation compared to book value, which stood at ₹82.29 per share. The current ratio was reported at 1.29, suggesting a healthy liquidity position, while the cash conversion cycle remains at 0 days, reflecting efficient cash management practices. However, the rising borrowings could pose risks if not managed judiciously.
Shareholding Pattern and Investor Confidence
The shareholding pattern of ICICI Prudential reveals a strong promoter holding of 72.96%, which reflects confidence from the founders in the company’s long-term prospects. Foreign institutional investors (FIIs) hold 13.12%, down from 16.63% in September 2022, indicating a slight reduction in foreign interest. Domestic institutional investors (DIIs) have a stake of 8.86%, suggesting moderate local institutional confidence. The total number of shareholders increased to 3,41,346, indicating continued retail interest in the stock. This stable yet cautious investor sentiment is critical, especially as the company navigates through its operational challenges and profitability concerns. The decline in FIIs could signal a need for management to address market perceptions and improve performance metrics to attract renewed interest.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Prudential faces both opportunities and challenges. The potential for revenue growth exists, especially with the reported sales rebound in the upcoming fiscal year. However, risks remain, particularly in managing operational efficiencies and maintaining profitability amid fluctuating market conditions. The rising borrowings present a concern for financial flexibility, and the need for improved operating margins is critical for long-term sustainability. If the company can successfully navigate these issues, it may enhance shareholder value and attract further investment. Conversely, failure to address operational inefficiencies and leverage concerns could hinder growth prospects, impacting investor confidence. Overall, a strategic focus on cost management and operational improvements will be essential for ICICI Prudential to capitalize on recovery trends in the life insurance sector.
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) | 2,00,243 Cr. | 1,997 | 2,019/1,373 | 81.6 | 182 | 0.14 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 56,444 Cr. | 1,636 | 1,679/950 | 346 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 90,392 Cr. | 625 | 705/517 | 69.2 | 87.9 | 0.14 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,64,703 Cr. | 764 | 821/584 | 87.0 | 78.7 | 0.27 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 127,945.50 Cr | 1,255.50 | 145.95 | 125.65 | 0.14% | 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: November 9, 2025, 2:12 pm
| 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 Bluechip Fund | 9,619,356 | 1.22 | 505.26 | 9,619,356 | 2025-04-22 17:25:32 | 0% |
| SBI Blue Chip Fund | 8,355,407 | 1.14 | 438.87 | 8,355,407 | 2025-04-22 15:56:57 | 0% |
| SBI Long Term Equity Fund | 6,904,842 | 2.3 | 362.68 | 6,904,842 | 2025-04-22 17:25:32 | 0% |
| SBI Balanced Advantage Fund | 4,309,217 | 0.93 | 226.34 | 4,309,217 | 2025-04-22 17:25:32 | 0% |
| Franklin India Flexi Cap Fund | 3,100,000 | 1.36 | 162.83 | 3,100,000 | 2025-04-22 17:25:32 | 0% |
| Aditya Birla Sun Life Frontline Equity Fund | 2,603,961 | 0.59 | 136.77 | 2,603,961 | 2025-04-22 17:25:32 | 0% |
| UTI Value Fund | 1,911,775 | 1.35 | 100.42 | 1,911,775 | 2025-04-22 15:56:57 | 0% |
| SBI Contra Fund | 1,824,999 | 0.58 | 95.86 | 1,824,999 | 2025-04-22 15:56:57 | 0% |
| Axis Growth Opportunities Fund | 1,439,365 | 0.79 | 75.6 | 1,439,365 | 2025-04-22 17:25:32 | 0% |
| Franklin India Taxshield | 1,350,000 | 1.36 | 70.91 | 1,350,000 | 2025-04-22 15:56:57 | 0% |
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: 69.2 (Industry average Stock P/E: 145.95)
- 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%
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 November 2025) is 506.79 which is 18.91% lower the current market price of 625.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 90,392 Cr. market cap, FY2025-2026 high/low of 705/517, 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 90,392 Cr..
What is the current Stock Price of ICICI Prudential Life Insurance Company Ltd as on 11 November 2025?
The current stock price of ICICI Prudential Life Insurance Company Ltd as on 11 November 2025 is 625.
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 705/517.
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 69.2.
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 0.14 %.
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.