ICICI Lombard General Insurance Company Ltd

ICICI Lombard Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

ICICI Lombard General Insurance Company Ltd

₹ 1,777 1.14%
05 May - close price
icicilombard.com BSE: 540716 NSE: ICICIGI
About

ICICI Lombard General Insurance Co. Ltd is one of the leading and established private sector general insurance companies in India. It offers a well-diversified range of products and risk management solutions through multiple distribution channels.[1]

It was established in 2001 as a JV between ICICI Bank and Fairfax Financial Holdings Ltd. ICICI held 64% stake and the rest was held by JV partner. Fairfax Financial exited in 2019 by selling its remaining 5% stake in the company for ~2,600 crores.[2]

Key Points

Market Leadership
The company is India's largest non-life insurer based on Gross Direct Premium Income (GDPI) with a market share of 9.4% as of H1 FY25. Its market share across different commercial segments is approximately 13% in fire, 17% in engineering, 21% in marine cargo, and 19% in liability insurance. [1] [2]

Website BSE NSE
  • Market Cap ₹ 88,675 Cr.
  • Current Price ₹ 1,777
  • High / Low ₹ 2,075 / 1,630
  • Stock P/E 32.0
  • Book Value ₹ 334
  • Dividend Yield 0.70 %
  • ROCE 23.5 %
  • ROE 17.8 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 25.7%

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Insurance General Insurance

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
4,519 4,716 5,271 5,194 5,391 5,601 6,147 6,161 6,051 6,396 6,869 6,905 6,825
4,874 4,206 4,509 4,639 4,701 4,831 5,207 5,199 5,443 5,415 5,825 6,051 6,138
Operating Profit -355 510 762 555 690 770 940 962 609 981 1,044 854 686
OPM % -8% 11% 14% 11% 13% 14% 15% 16% 10% 15% 15% 12% 10%
928 10 2 19 8 4 -21 -2 60 13 33 16 32
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 573 520 764 574 698 774 919 960 668 994 1,077 870 718
Tax % 24% 25% 24% 25% 26% 25% 24% 25% 24% 25% 24% 24% 24%
437 390 577 431 520 580 694 724 510 747 820 659 547
EPS in Rs 8.90 7.95 11.75 8.76 10.54 11.77 14.03 14.63 10.28 15.04 16.47 13.23 10.96
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,234 6,033 7,520 6,912 11,163 11,517 12,161 16,026 17,876 20,572 23,961 26,994
4,456 5,269 6,601 7,174 9,494 9,745 10,090 15,010 16,612 17,918 20,554 23,429
Operating Profit -221 764 919 -262 1,669 1,772 2,072 1,016 1,264 2,654 3,407 3,565
OPM % -5% 13% 12% -4% 15% 15% 17% 6% 7% 13% 14% 13%
992 0 -2 1,569 -2 15 12 809 991 35 39 94
Interest 12 0 0 59 70 0 0 0 0 0 0 0
Depreciation 54 57 7 51 0 90 130 141 142 134 124 0
Profit before tax 705 708 910 1,196 1,598 1,697 1,954 1,684 2,113 2,555 3,321 3,659
Tax % 17% 28% 23% 28% 34% 30% 25% 24% 18% 25% 24% 24%
585 507 702 862 1,049 1,194 1,473 1,271 1,729 1,919 2,508 2,772
EPS in Rs 13.11 11.34 15.56 18.98 23.10 26.27 32.40 25.89 35.21 38.94 50.60 55.61
Dividend Payout % 15% 26% 22% 17% 26% 13% 25% 35% 28% 28% 25% 24%
Compounded Sales Growth
10 Years: 16%
5 Years: 17%
3 Years: 15%
TTM: 13%
Compounded Profit Growth
10 Years: 19%
5 Years: 13%
3 Years: 17%
TTM: 11%
Stock Price CAGR
10 Years: %
5 Years: 4%
3 Years: 18%
1 Year: -1%
Return on Equity
10 Years: 18%
5 Years: 17%
3 Years: 18%
Last Year: 18%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 447 448 451 454 454 454 455 491 491 493 496 498
Reserves 2,439 2,789 3,450 4,087 4,946 5,680 7,144 8,702 9,953 11,712 13,989 16,135
0 0 485 485 485 485 485 255 35 35 0 0
11,760 12,440 18,965 24,723 27,517 30,423 31,214 41,401 44,607 51,068 54,535 59,477
Total Liabilities 14,646 15,676 23,351 29,750 33,403 37,042 39,298 50,848 55,086 63,308 69,020 76,111
381 510 516 368 1,965 664 717 941 883 930 728 839
CWIP 9 10 11 38 17 12 14 11 25 94 74 0
Investments 10,200 11,426 14,806 18,193 20,714 26,327 30,788 38,412 42,836 48,584 53,508 58,421
4,056 3,730 8,018 11,151 10,707 10,039 7,779 11,485 11,342 13,700 14,710 16,851
Total Assets 14,646 15,676 23,351 29,750 33,403 37,042 39,298 50,848 55,086 63,308 69,020 76,111

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-98 511 1,628 2,390 2,976 3,433 1,774 809 2,290 2,407 1,147 2,622
171 -310 -1,990 -1,896 -2,856 -3,382 -1,367 135 -1,685 -1,921 -1,137 -1,733
-93 -148 361 -96 -310 -420 -212 -879 -695 -355 -257 -336
Net Cash Flow -20 53 -1 398 -190 -369 195 65 -90 131 -247 554
Free Cash Flow -150 459 1,574 2,315 2,860 3,130 1,695 737 2,170 2,217 918 2,380
CFO/OP 44% 67% 177% -912% 178% 222% 103% 117% 206% 115% 57% 110%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0 0 0 0 292 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 292 0 0 0 0 0 0 0
Working Capital Days -576 -532 -521 -720 -564 -670 -705 -690 -685 -661 -603 -599
ROCE % 27% 23% 24% 17% 31% 27% 27% 19% 21% 23% 25% 24%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Policies Issued
Million

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Overall Market Share (GDPI Basis)
%
Solvency Ratio
x
Combined Ratio (Reported)
%
Return on Average Equity (ROAE)
%
Total Employees
Count
Number of Individual Agents
Count

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
48.01% 48.00% 47.91% 51.27% 51.81% 51.66% 51.60% 51.55% 51.46% 51.37% 51.31% 51.28%
22.00% 22.37% 23.04% 23.05% 23.94% 24.75% 24.36% 23.68% 23.94% 24.04% 23.35% 22.29%
18.10% 18.41% 17.86% 15.96% 17.15% 16.59% 17.17% 17.74% 17.52% 17.41% 18.25% 19.41%
0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
11.79% 11.11% 11.09% 9.59% 7.00% 6.91% 6.74% 6.93% 6.97% 7.08% 6.98% 6.90%
No. of Shareholders 2,75,3562,64,7102,52,6802,39,4892,37,2482,36,6992,38,4062,40,8532,40,9802,39,8122,35,7142,29,930

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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