Share Price and Basic Stock Data
Last Updated: February 14, 2026, 8:49 pm
| PEG Ratio | 6.00 |
|---|
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 competitive life insurance sector in India, with a market capitalization of ₹92,824 Cr. The company’s recent revenue trends depict volatility, with sales recorded at ₹50,478 Cr for FY 2023, a decline from ₹63,564 Cr in FY 2022. However, the trailing twelve months (TTM) revenue stands at ₹57,561 Cr, indicating a recovery from the previous financial year. Quarterly sales figures show a significant uptick in June 2023, reaching ₹23,384 Cr, and further expanding to ₹26,430 Cr in December 2023. This resurgence suggests a strategic repositioning or effective product offerings that resonate with customer needs. The company’s operating profit margins (OPM) have been under pressure, reflecting a negative OPM of 3% for FY 2023, with a slight recovery to 1% in FY 2025, indicating ongoing challenges in cost management relative to revenues.
Profitability and Efficiency Metrics
ICICI Prudential’s profitability has shown signs of improvement despite the prevailing challenges. The net profit for FY 2023 was ₹813 Cr, which is a slight increase from ₹759 Cr in FY 2022. The company reported an EPS of ₹5.65 for FY 2023, which rose to ₹8.21 in FY 2025, demonstrating effective management of earnings. The Return on Equity (ROE) stood at 10.4%, while the Return on Capital Employed (ROCE) was recorded at 11.9%, both of which are comparable to industry benchmarks, indicating a satisfactory utilization of equity and capital. The Interest Coverage Ratio (ICR) of 10.60x reflects a robust capacity to cover interest obligations, positioning the company favorably against its peers. However, the operating profit remains a concern, with continuous negative figures in recent quarters, highlighting the need for operational efficiency improvements.
Balance Sheet Strength and Financial Ratios
The balance sheet of ICICI Prudential reflects a prudent approach to capital management, with total borrowings reported at ₹2,600 Cr, which signifies a manageable debt level against total reserves of ₹11,268 Cr. This results in a total debt-to-equity ratio of 0.21, indicating a conservative leverage strategy. The company’s cash conversion cycle (CCC) is reported at 0 days, showcasing efficient cash flow management. The price-to-book value (P/BV) ratio stands at 6.87x, which is higher than typical sector averages, suggesting that the market has high expectations for future growth. The current ratio of 1.29 indicates adequate liquidity to meet short-term obligations. Additionally, the company has maintained a consistent dividend payout ratio of approximately 10%, demonstrating its commitment to returning value to shareholders while retaining sufficient earnings for growth.
Shareholding Pattern and Investor Confidence
The shareholding structure of ICICI Prudential shows a strong promoter holding of 72.93%, reflecting a solid control over the company. Foreign Institutional Investors (FIIs) hold 13.15%, while Domestic Institutional Investors (DIIs) possess 8.65%, indicating a balanced mix of institutional support. The public shareholding is at 5.26%, with a total of 3,45,273 shareholders as of September 2025. Over recent quarters, the promoter shareholding has shown a slight decline, which could indicate potential dilution concerns or a strategic shift. However, the company’s stable institutional backing suggests confidence in its long-term prospects. The gradual shift in FIIs, from 15.41% in December 2022 to 13.15% in September 2025, may reflect broader market conditions or sector-specific challenges, warranting close observation of investor sentiment.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Prudential faces both opportunities and challenges. The recovery in sales and improvement in net profit signal a potential turnaround, yet the persistently negative operating margins pose significant risks to profitability. The company’s strong balance sheet and efficient cash management may provide a buffer against market volatility. However, competition in the life insurance sector remains fierce, with evolving customer preferences and regulatory changes posing additional risks. The company’s ability to adapt its product offerings and enhance operational efficiency will be crucial for sustaining growth. Should ICICI Prudential successfully navigate these challenges, it could strengthen its market position and enhance shareholder value. Conversely, failure to address operational inefficiencies could hinder its recovery trajectory and affect investor confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Life Insurance Corporation of India | 5,45,468 Cr. | 862 | 980/715 | 10.3 | 0.00 | 1.39 % | 53.1 % | 45.7 % | 10.0 |
| SBI Life Insurance Company Ltd (SBILIFE) | 2,03,996 Cr. | 2,034 | 2,116/1,380 | 82.3 | 190 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 62,980 Cr. | 1,825 | 1,848/950 | 438 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 93,227 Cr. | 644 | 707/517 | 68.1 | 92.9 | 0.13 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,50,343 Cr. | 697 | 821/600 | 79.5 | 81.6 | 0.30 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 211,202.80 Cr | 1,212.40 | 135.64 | 103.70 | 0.39% | 19.32% | 17.85% | 8.40 |
All Competitor Stocks of ICICI Prudential Life Insurance Company Ltd
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17,426 | 10,984 | 23,384 | 17,388 | 26,430 | 22,482 | 25,396 | 25,158 | 4,536 | 15,687 | 25,401 | 11,936 | 22,834 |
| Expenses | 17,502 | 11,400 | 23,663 | 17,682 | 26,584 | 22,760 | 25,362 | 24,839 | 4,295 | 15,272 | 25,188 | 11,955 | 22,093 |
| Operating Profit | -76 | -416 | -280 | -293 | -155 | -278 | 34 | 319 | 241 | 415 | 213 | -19 | 741 |
| OPM % | -0% | -4% | -1% | -2% | -1% | -1% | 0% | 1% | 5% | 3% | 1% | -0% | 3% |
| Other Income | 352 | 780 | 496 | 570 | 420 | 549 | 237 | -17 | 169 | 183 | 177 | 408 | -243 |
| 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 | 277 | 364 | 216 | 276 | 265 | 270 | 271 | 302 | 410 | 598 | 390 | 389 | 498 |
| Tax % | 20% | 35% | 5% | 12% | 14% | 36% | 17% | 17% | 21% | 36% | 23% | 24% | 22% |
| Net Profit | 222 | 235 | 206 | 244 | 227 | 174 | 224 | 251 | 325 | 385 | 301 | 296 | 387 |
| EPS in Rs | 1.54 | 1.64 | 1.43 | 1.69 | 1.58 | 1.21 | 1.56 | 1.74 | 2.25 | 2.67 | 2.08 | 2.04 | 2.67 |
Last Updated: February 5, 2026, 3:06 pm
Below is a detailed analysis of the quarterly data for ICICI Prudential Life Insurance Company Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Sales, as of Dec 2025, the value is 22,834.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,936.00 Cr. (Sep 2025) to 22,834.00 Cr., marking an increase of 10,898.00 Cr..
- For Expenses, as of Dec 2025, the value is 22,093.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,955.00 Cr. (Sep 2025) to 22,093.00 Cr., marking an increase of 10,138.00 Cr..
- For Operating Profit, as of Dec 2025, the value is 741.00 Cr.. The value appears strong and on an upward trend. It has increased from -19.00 Cr. (Sep 2025) to 741.00 Cr., marking an increase of 760.00 Cr..
- For OPM %, as of Dec 2025, the value is 3.00%. The value appears strong and on an upward trend. It has increased from 0.00% (Sep 2025) to 3.00%, marking an increase of 3.00%.
- For Other Income, as of Dec 2025, the value is -243.00 Cr.. The value appears to be declining and may need further review. It has decreased from 408.00 Cr. (Sep 2025) to -243.00 Cr., marking a decrease of 651.00 Cr..
- For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 498.00 Cr.. The value appears strong and on an upward trend. It has increased from 389.00 Cr. (Sep 2025) to 498.00 Cr., marking an increase of 109.00 Cr..
- For Tax %, as of Dec 2025, the value is 22.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Sep 2025) to 22.00%, marking a decrease of 2.00%.
- For Net Profit, as of Dec 2025, the value is 387.00 Cr.. The value appears strong and on an upward trend. It has increased from 296.00 Cr. (Sep 2025) to 387.00 Cr., marking an increase of 91.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 2.67. The value appears strong and on an upward trend. It has increased from 2.04 (Sep 2025) to 2.67, marking an increase of 0.63.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:13 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 | 69,621 | 56,711 |
| Operating Profit | 1,504 | 1,655 | 1,842 | 1,806 | 1,771 | 541 | -319 | -390 | -2,163 | -1,757 | -897 | 1,157 | 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 | 558 | 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: February 1, 2026, 12:48 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
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 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 | 1.43 | 1125.65 | N/A | N/A | N/A |
| SBI Large Cap Fund | 9,380,396 | 1.12 | 626.85 | 6,000,000 | 2026-01-26 02:18:52 | 56.34% |
| SBI Contra Fund | 8,824,999 | 1.18 | 589.73 | 1,824,999 | 2025-12-08 07:44:19 | 383.56% |
| ICICI Prudential Multi Asset Fund | 8,621,312 | 0.74 | 576.12 | 7,645,088 | 2026-01-26 04:22:10 | 12.77% |
| SBI ELSS Tax Saver Fund | 6,904,842 | 1.42 | 461.42 | N/A | N/A | N/A |
| ICICI Prudential Large & Mid Cap Fund | 6,753,279 | 1.63 | 451.29 | 5,723,206 | 2026-01-26 04:22:10 | 18% |
| SBI Balanced Advantage Fund | 5,629,765 | 0.94 | 376.21 | 4,309,217 | 2025-12-08 06:40:04 | 30.64% |
| SBI Banking & Financial Services Fund | 3,900,000 | 2.58 | 260.62 | N/A | N/A | N/A |
| ICICI Prudential Equity & Debt Fund | 3,615,839 | 0.49 | 241.63 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 2,885,391 | 1.73 | 192.82 | 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: 19.32%)
- 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: 17.85%)
- 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: 68.1 (Industry average Stock P/E: 135.64)
- 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 | Contact not found |
| 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 15 February 2026) is ₹586.89 which is 8.87% lower the current market price of ₹644.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹93,227 Cr. market cap, FY2025-2026 high/low of ₹707/517, 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 93,227 Cr..
What is the current Stock Price of ICICI Prudential Life Insurance Company Ltd as on 15 February 2026?
The current stock price of ICICI Prudential Life Insurance Company Ltd as on 15 February 2026 is ₹644.
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 ₹707/517.
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 68.1.
What is the Book Value of ICICI Prudential Life Insurance Company Ltd?
The Book Value of ICICI Prudential Life Insurance Company Ltd is 92.9.
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.