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

Share Price and Basic Stock Data

Last Updated: August 15, 2025, 8:11 pm

Quick Insight

ICICI Prudential Life Insurance Company Ltd, currently trading at 617 per share with a market cap of 89,170 Cr., exhibits a high P/E ratio of 70.6, indicating a premium investors are willing to pay for its earnings. Despite a moderate ROE of 10.3% and ROCE of 11.8%, the company's low operating profit margin of 1% raises concerns about efficiency. With Promoters holding a significant 73.01% stake and healthy reserves of 10,488 Cr., ICICI Prudential seems well-capitalized. However, its high P/BV ratio of 8.00x and moderate ICR of 7.19x suggest caution for potential investors, highlighting the need for a closer evaluation of its financial health and growth prospects.

Competitors of ICICI Prudential Life Insurance Company Ltd

All Competitor Stocks of ICICI Prudential Life Insurance Company Ltd

Quarterly Result

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: July 22, 2025, 3:40 pm

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: June 16, 2025, 11:59 am

Below is a detailed analysis of the balance sheet data for ICICI Prudential Life Insurance Company Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 1,445.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,441.00 Cr. (Mar 2024) to 1,445.00 Cr., marking an increase of 4.00 Cr..
• For Reserves, as of Mar 2025, the value is 10,488.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,564.00 Cr. (Mar 2024) to 10,488.00 Cr., marking an increase of 924.00 Cr..
• For Borrowings, as of Mar 2025, the value is 2,600.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 1,200.00 Cr. (Mar 2024) to 2,600.00 Cr., marking an increase of 1,400.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 299,705.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 286,796.00 Cr. (Mar 2024) to 299,705.00 Cr., marking an increase of 12,909.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 314,239.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 299,001.00 Cr. (Mar 2024) to 314,239.00 Cr., marking an increase of 15,238.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 1,315.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,168.00 Cr. (Mar 2024) to 1,315.00 Cr., marking an increase of 147.00 Cr..
• For CWIP, as of Mar 2025, the value is 36.00 Cr.. The value appears to be declining and may need further review. It has decreased from 49.00 Cr. (Mar 2024) to 36.00 Cr., marking a decrease of 13.00 Cr..
• For Investments, as of Mar 2025, the value is 303,475.00 Cr.. The value appears strong and on an upward trend. It has increased from 289,230.00 Cr. (Mar 2024) to 303,475.00 Cr., marking an increase of 14,245.00 Cr..
• For Other Assets, as of Mar 2025, the value is 9,412.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,553.00 Cr. (Mar 2024) to 9,412.00 Cr., marking an increase of 859.00 Cr..
• For Total Assets, as of Mar 2025, the value is 314,239.00 Cr.. The value appears strong and on an upward trend. It has increased from 299,001.00 Cr. (Mar 2024) to 314,239.00 Cr., marking an increase of 15,238.00 Cr..

Notably, the Reserves (10,488.00 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

Free Cash Flow

Financial Efficiency Indicators

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
• For Basic EPS (Rs.), as of Mar 24, the value is 5.91. This value is within the healthy range. It has increased from 5.66 (Mar 23) to 5.91, marking an increase of 0.25.
• For Diluted EPS (Rs.), as of Mar 24, the value is 5.89. This value is within the healthy range. It has increased from 5.65 (Mar 23) to 5.89, marking an increase of 0.24.
• For Cash EPS (Rs.), as of Mar 24, the value is 6.69. This value is within the healthy range. It has increased from 6.24 (Mar 23) to 6.69, marking an increase of 0.45.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 76.12. It has increased from 69.90 (Mar 23) to 76.12, marking an increase of 6.22.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 76.39. It has increased from 70.13 (Mar 23) to 76.39, marking an increase of 6.26.
• For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 622.53. It has increased from 343.42 (Mar 23) to 622.53, marking an increase of 279.11.
• For PBDIT / Share (Rs.), as of Mar 24, the value is 6.12. This value is within the healthy range. It has decreased from 10.89 (Mar 23) to 6.12, marking a decrease of 4.77.
• For PBIT / Share (Rs.), as of Mar 24, the value is 5.33. This value is within the healthy range. It has decreased from 10.31 (Mar 23) to 5.33, marking a decrease of 4.98.
• For PBT / Share (Rs.), as of Mar 24, the value is 4.48. This value is within the healthy range. It has decreased from 9.53 (Mar 23) to 4.48, marking a decrease of 5.05.
• For Net Profit / Share (Rs.), as of Mar 24, the value is 5.90. This value is within the healthy range. It has increased from 5.65 (Mar 23) to 5.90, marking an increase of 0.25.
• For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 5.90. This value is within the healthy range. It has increased from 5.65 (Mar 23) to 5.90, marking an increase of 0.25.
• For PBDIT Margin (%), as of Mar 24, the value is 0.98. This value is below the healthy minimum of 10. It has decreased from 3.17 (Mar 23) to 0.98, marking a decrease of 2.19.
• For PBIT Margin (%), as of Mar 24, the value is 0.85. This value is below the healthy minimum of 10. It has decreased from 3.00 (Mar 23) to 0.85, marking a decrease of 2.15.
• For PBT Margin (%), as of Mar 24, the value is 0.71. This value is below the healthy minimum of 10. It has decreased from 2.77 (Mar 23) to 0.71, marking a decrease of 2.06.
• For Net Profit Margin (%), as of Mar 24, the value is 0.94. This value is below the healthy minimum of 5. It has decreased from 1.64 (Mar 23) to 0.94, marking a decrease of 0.70.
• For NP After MI And SOA Margin (%), as of Mar 24, the value is 0.94. This value is below the healthy minimum of 8. It has decreased from 1.64 (Mar 23) to 0.94, marking a decrease of 0.70.
• For Return on Networth / Equity (%), as of Mar 24, the value is 7.75. This value is below the healthy minimum of 15. It has decreased from 8.09 (Mar 23) to 7.75, marking a decrease of 0.34.
• For Return on Capital Employeed (%), as of Mar 24, the value is 0.26. This value is below the healthy minimum of 10. It has decreased from 0.59 (Mar 23) to 0.26, marking a decrease of 0.33.
• For Return On Assets (%), as of Mar 24, the value is 0.28. This value is below the healthy minimum of 5. It has decreased from 0.31 (Mar 23) to 0.28, marking a decrease of 0.03.
• For Long Term Debt / Equity (X), as of Mar 24, the value is 0.10. This value is below the healthy minimum of 0.2. It has decreased from 0.11 (Mar 23) to 0.10, marking a decrease of 0.01.
• For Total Debt / Equity (X), as of Mar 24, the value is 0.10. This value is within the healthy range. It has decreased from 0.11 (Mar 23) to 0.10, marking a decrease of 0.01.
• For Asset Turnover Ratio (%), as of Mar 24, the value is 0.32. It has increased from 0.19 (Mar 23) to 0.32, marking an increase of 0.13.
• For Current Ratio (X), as of Mar 24, the value is 1.24. This value is below the healthy minimum of 1.5. It has increased from 1.01 (Mar 23) to 1.24, marking an increase of 0.23.
• For Quick Ratio (X), as of Mar 24, the value is 1.24. This value is within the healthy range. It has increased from 1.01 (Mar 23) to 1.24, marking an increase of 0.23.
• For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 10.14. This value is below the healthy minimum of 20. It has increased from 9.71 (Mar 23) to 10.14, marking an increase of 0.43.
• For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 8.95. This value is below the healthy minimum of 20. It has increased from 8.81 (Mar 23) to 8.95, marking an increase of 0.14.
• For Earning Retention Ratio (%), as of Mar 24, the value is 89.86. This value exceeds the healthy maximum of 70. It has decreased from 90.29 (Mar 23) to 89.86, marking a decrease of 0.43.
• For Cash Earning Retention Ratio (%), as of Mar 24, the value is 91.05. This value exceeds the healthy maximum of 70. It has decreased from 91.19 (Mar 23) to 91.05, marking a decrease of 0.14.
• For Interest Coverage Ratio (X), as of Mar 24, the value is 7.19. This value is within the healthy range. It has decreased from 13.85 (Mar 23) to 7.19, marking a decrease of 6.66.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 4.82. This value is within the healthy range. It has decreased from 10.71 (Mar 23) to 4.82, marking a decrease of 5.89.
• For Enterprise Value (Cr.), as of Mar 24, the value is 88,088.58. It has increased from 63,088.95 (Mar 23) to 88,088.58, marking an increase of 24,999.63.
• For EV / Net Operating Revenue (X), as of Mar 24, the value is 0.98. This value is below the healthy minimum of 1. It has decreased from 1.28 (Mar 23) to 0.98, marking a decrease of 0.30.
• For EV / EBITDA (X), as of Mar 24, the value is 99.93. This value exceeds the healthy maximum of 15. It has increased from 40.26 (Mar 23) to 99.93, marking an increase of 59.67.
• For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 0.97. This value is below the healthy minimum of 1. It has decreased from 1.27 (Mar 23) to 0.97, marking a decrease of 0.30.
• For Retention Ratios (%), as of Mar 24, the value is 89.85. This value exceeds the healthy maximum of 70. It has decreased from 90.28 (Mar 23) to 89.85, marking a decrease of 0.43.
• For Price / BV (X), as of Mar 24, the value is 8.00. This value exceeds the healthy maximum of 3. It has increased from 6.23 (Mar 23) to 8.00, marking an increase of 1.77.
• For Price / Net Operating Revenue (X), as of Mar 24, the value is 0.97. This value is below the healthy minimum of 1. It has decreased from 1.27 (Mar 23) to 0.97, marking a decrease of 0.30.
• For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Fair Value

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Strength and Weakness