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ICICI Lombard General Insurance Company Ltd (ICICIGI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 540716 NSE: ICICIGI Insurance | Mid Cap | ICICI Lombard Gen. Share Price

₹1,759.60 27.55 (1.59%)

As on 05-Jun'26 16:59

ICICI Lombard General Insurance Company Ltd (ICICIGI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 540716 NSE: ICICIGI Insurance | Mid Cap | ICICI Lombard Gen. Share Price

₹1,759.60 27.55 (1.59%)

As on 05-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹86,448 Cr.
Current Price
₹1,759.6
52-Week Low / High
₹1,630 / 2,075
TTM EPS
₹50.6
TTM Sales
₹22,264 Cr.
Book Value per Share
₹335.1
P/E Ratio
34.25
Lower than its 5-year historical median
Industry PE
14.8
Price to Book (P/B)
5.17
Lower than its 5-year historical median
Price to Sales (P/S)
3.88
Lower than its 5-year historical median
EV/EBITDA
33.86
Higher than its 5-year historical median
Dividend Yield
0.79%
Profitability Efficiency
Return on Equity (ROE)
17.90%
Return on Capital Employed (ROCE)
23.62%
Return on Assets (ROA)
17.85%
Growth Momentum
1-yr vs 3-yr growth
Revenue Growth (1 Year)
-
-
Net Profit Growth (1 Year)
Improving versus 3-year growth rate
10.51%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
16.72%
Asset Quality
Promoter Holding
51.29%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹16,227 Cr.
Equity
₹499.1 Cr.
Face Value
₹10
All Time Low / High
₹619.00 / 2285.85

ICICI Lombard General Insurance Company stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is ICICI Lombard General Insurance Company Ltd a good quality company?
ICICI Lombard General Insurance Company Ltd is a good quality company, based on a consistently good multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

DeciZen - make an informed investing decision on ICICI Lombard Gen.

Decision Maker
Consolidated basis

1. Right Stock

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2. Right Price

3. Right Time

#Likely Future 5 Year CAGR.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
ICICI Lombard General Insurance Company Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good

Value Creation

Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
ROCE % 24.6%25.9%29.5%27.3%26.9%19.5%21.4%22.8%25.3%23.6%-
Value Creation
Index
1.21.31.61.41.40.70.9NANANA-

Growth Parameters

Sales 00000000000
Sales YoY Gr.-NANANANANANANANANA-
Adj EPS 15.61923.126.332.425.935.238.950.655.650.6
YoY Gr.-22%21.7%13.7%23.3%-20.1%36%10.6%29.9%9.9%-
BVPS (₹) 82.6100117.1135163.6185.6211.6242.7287.5335.5335.1
Adj Net
Profit
7028621,0491,1941,4731,2711,7291,9192,5082,7722,524
Cash Flow from Ops. 1,6282,3902,9763,4331,7748092,2902,4071,1472,622-
Debt/CF from Ops. 0.30.20.20.10.30.30000-

CAGR

9 Years 5 Years 3 Years 1 Years
Sales NANANANA
Adj EPS 15.2%11.4%16.5%9.9%
BVPS16.9%15.5%16.6%16.7%
Share Price - 4% 12.4% -12.3%

Key Financial Parameters

Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Return on
Equity %
00000033.317.219.117.8-
Op. Profit
Mgn %
0000000000-
Net Profit
Mgn %
0000000000-
Debt to
Equity
0.10.10.10.10.100000-
Working Cap
Days
00000000000
Cash Conv.
Cycle
0000000000-674

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Revenue From Operation0000000000
Income From Investments3094064604645057037328451,0051,184
Other Income 2814161234455910
Operating Expenses99741481605748649841445792
Profit Before Tax9101,1961,5981,6971,9541,6842,1132,5553,3213,659
Tax 208334549503481413383637813887
Adjustments 0000000000
Net Profit 7028621,0491,1941,4731,2711,7291,9192,5082,772
Adjusted EPS (₹)15.5618.9823.1026.2732.4025.8935.2138.9450.6055.61
Dividend Payout Ratio (%)22.50%21.10%26%13.30%24.70%34.80%28.40%28.30%24.70%24.30%

Valuation of ICICI Lombard Gen. - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Share Capital 451454454454455491491493496498
Reserve and Surplus3,2744,0874,8665,6806,9818,6199,90111,46713,75416,227
Fair Value A/C17518680-951638351245182-213
Borrowings 0000000000
Policy Holders Fund 503548259-334517276162745499-562
Funds For Appropriations0000000000
Total Liabilities 4,8895,7606,1446,1918,6019,72410,64112,98514,98416,072

Assets

Investment0000000000
Loans0000000000
Total Net block 372368448664613566539607728751
Total Assets 4,8895,7606,1446,1918,6019,72410,64112,98514,98416,072

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity + 1,6282,3902,9763,4331,7748092,2902,4071,1472,622
PBT 0000000000
Adjustment 2,5743,7174,9835,4093,2612,5264,7655,1284,4026,521
Changes in Working Capital -17-42-143416-65-19032-3489
Tax Paid -930-1,285-1,993-2,010-1,503-1,652-2,284-2,753-3,220-3,988
Cash Flow From Investing Activity + -1,990-1,896-2,856-3,382-1,367112-1,685-1,921-1,137-1,733
Capex -53-75-116-302-79-72-120-189-229-242
Net Investments -2,714-2,747-3,944-4,597-3,118-2,205-4,086-4,444-4,100-4,963
Others 7779261,2041,5181,8292,3892,5212,7133,1923,472
Cash Flow From Financing Activity + 361-96-310-420-212-879-695-355-257-336
Net Proceeds from Shares 383544104121165350335
Net Proceeds from Borrowing 0000000000
Interest Paid -160-131-314-423-222-436-495-520-572-671
Dividend Paid 0000000000
Others 4830000-485-2200-350
Net Cash Flow -1398-190-36919542-90131-247554

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Ratios
ROE (%)20.3420.8521.2820.8421.7115.3617.7317.1719.1417.9
ROCE (%)24.6425.929.5127.3226.8819.4821.3522.7925.3123.62
Asset Turnover Ratio1.471.31.411.521.351.421.461.431.421.43
PAT to CFO Conversion(x)2.322.772.842.881.20.641.321.250.460.95
Working Capital Days
Receivable Days0000000000
Inventory Days0000000000
Payable Days0000000000

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

ICICI Lombard General Insurance Company Ltd FAQs

The current trading price of ICICI Lombard Gen. on 05-Jun-2026 16:59 is ₹1,759.6.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Jun-2026 the market cap of ICICI Lombard Gen. stood at ₹86,447.9 Cr

The latest P/E ratio of ICICI Lombard Gen. as of 04-Jun-2026 is 34.25.

The latest P/B ratio of ICICI Lombard Gen. as of 04-Jun-2026 is 5.17.

The 52-week high of ICICI Lombard Gen. is ₹2,074.9 and the 52-week low is ₹1,630.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ICICI Lombard Gen. is ₹22,264 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that ICICI Lombard General Insurance Company Ltd is a good quality company.

The key valuation ratios of ICICI Lombard General Insurance Company Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of ICICI Lombard General Insurance Company Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About ICICI Lombard General Insurance Company Ltd

ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance companies in India. At ICICI Lombard, customer satisfaction is its motto. Stretching ourselves and going beyond the ordinary for the satisfaction and smiles of its customers is something that is deeply embedded in its DNA. Be it an untoward incident due to the unpredictability of nature or losses suffered due to accidents or medical challenges, it remains committed to be at people side and serve people always. Its value proposition is driven by a promise to be the best partner for its customers. With a promise to ensure quick and smooth claims processing, its unmatched services are there to assist people at all times.

Business area of the company

The company provides general insurance solutions to secure people and their family against unexpected and untoward events. With ICICI Lombard, people can avail protection solutions for business, personal and project liabilities across rural as well as urban areas in India. It offers insurance coverage for motor, health, travel, home, student travel and more.

Products

  • Motor Insurance
  • Car Insurance
  • Two Wheeler Insurance
  • Health Insurance
  • Complete Health Insurance
  • Complete Health Insurance
  • Health Booster
  • Personal Accident Insurance
  • International Travel Insurance
  • Home Insurance
  • Marine Insurance
  • NRI Insurance Services
  • Business Insurance
  • Third Party Insurance
  • Crop Insurance
  • Rural Insurance

Services

  • Customer Support
  • Grievance Redressal
  • Retrieve Quote
  • Unclaimed Amount
  • Intimate Claim
  • Track Claim
  • Marine/Property Claims
  • Live Chat
  • Whatsapp Notification
  • EIA

Awards and Recognitions

  • In 2015, ICICI Lombard was awarded the Golden Peacock Innovation Management Award. At the 5th annual edition of the Indian Insurance Award, 2015, it conferred with the ‘E-Business Leader’ Award in the General Insurance Category.
  • ICICI Lombard received the Golden Peacock Award for Business Excellence and the Claim Service Leader Award in 2016. 
  • ICICI Lombard was conferred the Technology Innovation Award at the Indian Insurance Awards 2016. 
  • ICICI Lombard received the Fintelekt Insurance Awards for Bancassurance Leader (General Insurance – Large Category) and Technology Initiative of the Year in 2017. 
  • ICICI Lombard was conferred the Asia Quality Excellence & Leadership Awards in the year 2017.
  • It won the ‘Gold Shield’ award for excellence in financial reporting (non-life insurance) category for its Annual Report for FY2019, presented by the Institute of Chartered Accountants of India.
  • It was conferred with the ‘Vision Awards’ for its Annual Report FY2019.
  • It recognised as one of the ‘20 Best Insurers in the Asia Pacific Region’ for 2020.
  • It was adjudged ‘India’s Leading General Insurance Company - Private’ at the Dun & Bradstreet BFSI Summit & Awards 2020.

Milestones

2001

  • CICI Lombard commences Non-Life Insurance operations.

2004

  • Became the largest private sector general insurer.

2010

  • Settled more than 5 million claims.

2014

  • Number of policies issued by crossed 10 million, profit after tax crossed Rs. 5 billion.

2016

  • First General insurance company of India to issue subordinated debt.

2017

  • Crossed Rs 100 billion of GDPI.

2019

  • IntrCity by RailYatri, ICICI Lombard General Insurance Company and Marsh have partnered to provide travel insurance cover worth Rs 5,00,000 to all SmartBus Passengers.

2020

  • The Competition Commission of India has approved the acquisition of general insurance business of Bharti AXA General Insurance Company (Bharti AXA) by ICICI Lombard General Insurance Company.
  • ICICI Lombard General Insurance Company has entered into a Bancassurance tie-up with Yes Bank.
  • ICICI Lombard General Insurance Company, Go Digit General Insurance and Flipkart have joined hands to offer health policies related to Covid-19.
  • ICICI Lombard General Insurance and realme paySa have entered into strategic association to provide screen protection for realme phones, under the All Risk Insurance Policy underwritten by the company.
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