ICICI Prudential Life Insurance Company Ltd

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

ICICI Prudential Life Insurance Company Ltd

₹ 654 -0.76%
03 Jul 9:45 a.m.
iciciprulife.com BSE: 540133 NSE: ICICIPRULI
About

ICICI Prudential Life Insurance Company Ltd carries on business of providing life insurance, pensions and health insurance products to individuals and groups. The business is conducted in participating, non-participating and unit linked lines of business. These products are distributed through individual agents, corporate agents, banks, brokers, sales force and company's website.[1]

It is promoted by ICICI Bank and Prudential Corporation :-

ICICI Bank (51% stake)[2] - The company is a part of ICICI Bank Ltd which is the 2nd largest private bank in India. It offers a diversified range of products and services to retail, SME and corporate customers.[3]

Prudential Plc (22% stake) - It is a British multinational insurance company based in London, England. It is the largest UK life insurer in Asia with presence in India, China, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines and other Asian countries. It is also present in African subcontinent in Nigeria, Ghana, Togo and other countries.[4]

Key Points

Promoter
As of Dec 2024, ICICI Bank holds 51.1% and Prudential Corporation holds a 22% stake in the company. The company is a critical entity for ICICI Bank, receiving financial support and board oversight from the bank. The parent company serves as a corporate agent for ICICI Pru Life, providing access to the bank's branch network and customer base for selling insurance products. [1] [2]

Website BSE NSE
  • Market Cap ₹ 94,514 Cr.
  • Current Price ₹ 654
  • High / Low ₹ 797 / 517
  • Stock P/E 79.5
  • Book Value ₹ 113
  • Dividend Yield 0.13 %
  • ROCE 8.78 %
  • ROE 7.35 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 5.83 times its book value
  • Company has a low return on equity of 7.34% over last 3 years.
  • Earnings include an other income of Rs.544 Cr.

* 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 Life Insurance

Part of BSE 500 BSE 200 Nifty Next 50 Nifty 500 Nifty 100

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
13,002 -1,612 22,604 17,425 10,983 23,383 17,387 26,429 22,481 25,395 25,157 4,536 15,687
13,698 -1,486 22,866 17,499 11,395 23,657 17,676 26,578 22,753 25,354 24,831 4,286 15,262
Operating Profit -696 -126 -262 -74 -413 -275 -289 -150 -273 42 327 250 424
OPM % -5% -1% -0% -4% -1% -2% -1% -1% 0% 1% 6% 3%
1,010 326 504 349 776 492 566 416 543 231 -23 161 175
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 314 200 242 275 364 217 277 266 271 272 303 411 599
Tax % 41% 22% 18% 20% 35% 5% 12% 15% 36% 17% 17% 21% 36%
185 156 199 221 235 207 244 227 174 225 252 326 386
EPS in Rs 1.28 1.08 1.39 1.53 1.63 1.44 1.70 1.58 1.21 1.56 1.74 2.25 2.67
Raw PDF
Upcoming result date: 15 July 2025

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
21,886 34,451 20,847 37,814 38,830 41,460 21,022 83,180 63,564 49,400 89,679 70,775
20,380 32,795 19,005 36,007 37,058 40,695 21,339 83,565 65,720 50,191 90,556 69,599
Operating Profit 1,505 1,656 1,842 1,807 1,772 765 -317 -385 -2,155 -791 -877 1,176
OPM % 7% 5% 9% 5% 5% 2% -2% -0% -3% -2% -1% 2%
129 43 0 130 132 591 1,578 1,668 3,179 1,955 2,021 544
Interest 15 17 0 15 20 23 0 0 0 0 0 0
Depreciation 47 40 0 58 44 57 61 60 67 84 113 133
Profit before tax 1,573 1,642 1,842 1,864 1,840 1,276 1,200 1,223 957 1,081 1,031 1,587
Tax % 1% 0% 10% 10% 12% 11% 11% 22% 21% 25% 17% 25%
1,562 1,640 1,650 1,682 1,620 1,141 1,069 960 754 811 852 1,189
EPS in Rs 10.93 11.46 11.52 11.72 11.28 7.94 7.44 6.69 5.25 5.64 5.92 8.23
Dividend Payout % 70% 51% 73% 63% 59% 40% 11% 30% 10% 11% 10% 10%
Compounded Sales Growth
10 Years: 7%
5 Years: 27%
3 Years: 4%
TTM: -21%
Compounded Profit Growth
10 Years: -3%
5 Years: 2%
3 Years: 16%
TTM: 40%
Stock Price CAGR
10 Years: %
5 Years: 9%
3 Years: 9%
1 Year: 4%
Return on Equity
10 Years: 13%
5 Years: 8%
3 Years: 7%
Last Year: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 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
Reserves 2,955 3,834 3,892 4,973 5,141 5,440 5,783 7,683 7,726 8,653 14,555 14,898
0 0 1,029 0 0 0 0 1,200 1,200 1,200 1,200 2,600
77,090 95,950 98,413 118,334 135,245 156,215 148,817 206,909 234,077 244,555 281,805 295,297
Total Liabilities 81,474 101,216 104,766 124,743 141,821 163,090 156,035 217,228 244,440 255,847 299,000 314,240
197 209 212 207 404 463 932 911 916 968 1,167 1,314
CWIP 5 6 7 7 18 13 20 22 54 117 49 35
Investments 80,102 99,492 103,027 121,586 138,540 159,009 150,781 211,736 237,625 247,731 289,238 303,490
1,171 1,509 1,520 2,943 2,859 3,606 4,301 4,559 5,845 7,031 8,546 9,402
Total Assets 81,474 101,216 104,766 124,743 141,821 163,090 156,035 217,228 244,440 255,847 299,000 314,240

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,381 528 3,636 4,132 5,693 11,381 8,600 7,320 1,831 88 -7,305 -9,405
6,004 -1,820 25 -699 -5,392 -7,563 -10,802 -5,090 -815 -1,147 7,414 6,866
-1,091 -966 -1,442 -994 -1,188 -843 -405 1,205 -319 -112 -88 1,423
Net Cash Flow 2,532 -2,257 2,219 2,439 -887 2,975 -2,608 3,434 696 -1,172 21 -1,116

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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% 19% 17% 14% 9% 10% 7% 9%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.40% 73.34% 73.34% 73.34% 73.33% 73.30% 73.27% 73.24% 73.17% 73.05% 73.01% 73.00%
16.13% 16.63% 15.41% 15.20% 15.43% 15.51% 14.73% 13.35% 13.23% 12.98% 12.78% 13.24%
5.09% 5.02% 5.93% 6.14% 6.32% 6.37% 6.92% 8.54% 8.82% 9.29% 9.45% 8.80%
5.38% 4.99% 5.31% 5.30% 4.92% 4.81% 5.06% 4.85% 4.75% 4.66% 4.76% 4.94%
No. of Shareholders 3,73,9533,65,9413,84,2973,82,9443,62,3423,52,3953,58,7593,41,0393,29,3743,23,6613,26,2083,29,897

* 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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