ICICI Lombard General Insurance Company Ltd

ICICI Lombard GIC Ltd. is one of the leading private sector general insurance companies in India with a Gross Written Premium (GWP) of Rs147.89 billion for the year ended March 31, 2019. The company issued over 26.5 million policies and settled over 1.6 million claims as on March 31, 2019.(Source : Company Web-Site)

  • Market Cap: 61,643 Cr.
  • Current Price: 1,356
  • 52 weeks High / Low 1440.40 / 805.00
  • Book Value: 132.88
  • Stock P/E: 48.08
  • Dividend Yield: 0.26 %
  • ROCE: 28.70 %
  • ROE: 20.88 %
  • Sales Growth (3Yrs): 26.41 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 10.00
Edit ratios
Pros:
Company is virtually debt free.
Company has been maintaining a healthy dividend payout of 23.25%
Cons:
Stock is trading at 10.21 times its book value
Promoter holding has decreased by -3.97% over last quarter
Company has high debtors of 248.66 days.

Peer comparison Sector: Insurance // Industry: Finance & Investments

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Quarterly Results Figures in Rs. Crores

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
2,194 2,111 2,140 2,362 2,680 2,508 2,621 2,782 2,854 2,893 2,882 2,832
1,917 1,803 1,862 1,935 2,243 2,162 2,312 2,316 2,397 2,525 2,598 2,313
Operating Profit 278 308 278 427 436 346 309 466 457 368 284 519
OPM % 13% 15% 13% 18% 16% 14% 12% 17% 16% 13% 10% 18%
Other Income 9 14 9 16 13 15 37 9 4 22 87 12
Interest 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
Profit before tax 286 322 287 443 449 361 345 475 461 390 371 531
Tax % 29% 28% 26% 35% 35% 34% 34% 35% 33% 25% 24% 25%
Net Profit 204 232 212 289 293 239 228 310 308 294 282 398
EPS in Rs 4.51 5.11 4.67 6.37 6.46 5.27 5.01 6.82 6.78 6.47 6.20 8.76
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
1,974 2,193 2,856 3,549 4,012 4,352 4,234 4,826 6,164 6,912 11,163 12,450 11,461
2,381 2,491 3,337 4,394 4,193 4,578 4,456 5,271 6,568 7,174 9,494 10,669 9,833
Operating Profit -407 -299 -481 -845 -181 -226 -222 -444 -404 -262 1,669 1,780 1,628
OPM % -21% -14% -17% -24% -4% -5% -5% -9% -7% -4% 15% 14% 14%
Other Income 442 492 458 501 589 817 993 1,220 1,357 1,569 -1 -0 125
Interest 8 7 10 7 8 9 12 14 43 59 70 83 0
Depreciation 26 28 50 45 49 50 54 57 0 51 0 0 0
Profit before tax 0 158 -82 -395 351 533 705 705 910 1,196 1,598 1,697 1,753
Tax % -8,648% 9% 2% -5% -0% 3% 17% 28% 23% 28% 34% 30%
Net Profit 24 144 -80 -416 353 520 585 505 702 862 1,049 1,194 1,282
EPS in Rs 0.59 3.29 0.00 0.00 8.07 11.69 13.11 11.29 15.56 18.98 23.10 26.27 28.21
Dividend Payout % 0% 45% -70% -0% 0% 0% 15% 27% 22% 17% 26% 27%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:18.96%
5 Years:24.07%
3 Years:26.41%
TTM:8.22%
Compounded Profit Growth
10 Years:38.50%
5 Years:15.27%
3 Years:23.35%
TTM:19.84%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:17.54%
Return on Equity
10 Years:15.16%
5 Years:18.59%
3 Years:19.09%
Last Year:20.88%

Balance Sheet Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
403 404 405 437 437 445 447 448 451 454 454 454
Reserves 1,125 1,389 1,126 1,021 1,332 1,948 2,439 2,788 3,274 4,087 4,946 5,585
Borrowings 0 0 0 0 0 0 0 0 485 485 485 485
3,956 4,940 6,698 9,067 10,868 12,350 11,760 13,879 19,141 24,723 27,517 30,518
Total Liabilities 5,484 6,732 8,229 10,525 12,637 14,744 14,646 17,114 23,351 29,750 33,403 37,042
153 135 365 393 390 373 381 373 372 368 1,965 2,085
CWIP 4 9 23 7 10 17 9 10 11 38 17 12
Investments 3,031 3,761 4,665 6,034 7,800 9,290 10,200 11,563 14,950 18,193 20,714 24,906
2,297 2,828 3,175 4,092 4,436 5,064 4,056 5,169 8,018 11,151 10,707 10,039
Total Assets 5,484 6,732 8,229 10,525 12,637 14,744 14,646 17,114 23,351 29,750 33,403 37,042

Cash Flows Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-90 173 938 1,028 984 595 -98 511 1,628 2,390 2,976 3,433
-477 -65 -873 -1,205 -962 -706 171 -310 -1,990 -1,896 -2,856 -3,382
503 -71 275 4 102 4 -93 -148 361 -96 -310 -420
Net Cash Flow -63 37 340 -174 124 -108 -20 53 -1 398 -190 -369

Ratios Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % -10% -3% -12% -30% 18% 26% 27% 23% 23% 18% 31% 29%
Debtor Days 0 0 0 0 0 0 0 0 0 0 292 249
Inventory Turnover

Shareholding pattern in percentages

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
55.92 55.92 55.92 55.92 55.90 55.90 55.87 55.86 55.86 55.86 55.86 51.89
5.28 5.51 6.42 7.20 10.71 12.22 13.24 18.53 20.84 24.00 23.39 26.61
7.87 9.77 9.16 8.57 7.11 8.73 7.95 5.98 10.85 12.53 13.18 14.03
30.93 28.80 28.50 28.31 26.28 23.15 22.94 19.63 12.45 7.61 7.57 7.47