ICICI Prudential Life Insurance Company Ltd

iciciprulife.com BSE: 540133 NSE : ICICIPRULI
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ICICI Prudential Life Insurance Co. carries on business of providing life insurance, pensions and health insurance products to individuals and groups. Riders providing additional benefits are offered under some of these products. The business is conducted in participating, non-participating and unit linked lines of businesses. These products are distributed through individual agents, corporate agents, banks, brokers, the Companys proprietary sales force and the Company website.(Source : 202003 Annual Report Page No: 192)

Website BSE NSE
  • Market Cap ₹ 71,754 Cr.
  • Current Price ₹ 500
  • High / Low ₹ 538 / 222
  • Stock P/E 67.1
  • Book Value ₹ 57.2
  • Dividend Yield 0.16 %
  • ROCE 13.9 %
  • ROE 12.2 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has been maintaining a healthy dividend payout of 36.63%

Cons

  • Stock is trading at 8.74 times its book value
  • The company has delivered a poor growth of -9.37% over past five years.
  • Tax rate seems low
  • Earnings include an other income of Rs.1828.08 Cr.

Peer comparison

Sector: Insurance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
13,556 7,290 7,899 8,972 8,670 15,896 8,344 8,144 12,876 -8,338 18,746 16,691
13,069 6,980 7,698 8,640 8,461 15,981 8,260 8,083 12,811 -7,749 18,853 16,641
Operating Profit 487 310 202 333 208 -85 83 60 65 -589 -106 50
OPM % 4% 4% 3% 4% 2% -1% 1% 1% 1% -1% 0%
Other Income 18 99 113 -2 118 388 233 272 257 817 439 314
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 504 409 314 331 326 303 316 332 322 228 333 364
Tax % 10% 17% 10% 9% 9% 14% 10% 9% 6% 22% 14% 17%
Net Profit 452 340 281 300 296 261 285 302 302 179 287 302
EPS in Rs 3.15 2.37 1.96 2.09 2.06 1.82 1.98 2.10 2.10 1.24 2.00 2.11
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
14,021 20,025 21,888 34,453 20,849 37,816 38,832 41,463 21,061 39,975
13,118 19,280 20,384 32,798 19,008 36,010 37,062 40,699 21,325 40,555
Operating Profit 904 745 1,504 1,655 1,842 1,806 1,771 763 -264 -580
OPM % 6% 4% 7% 5% 9% 5% 5% 2% -1% -1%
Other Income 627 900 129 43 0 130 132 591 1,542 1,828
Interest 16 14 15 17 0 15 20 23 19 0
Depreciation 56 41 47 40 0 58 44 57 61 0
Profit before tax 1,459 1,591 1,572 1,642 1,842 1,863 1,839 1,274 1,198 1,248
Tax % 5% 5% 1% 0% 10% 10% 12% 11% 11%
Net Profit 1,386 1,515 1,561 1,640 1,650 1,682 1,619 1,139 1,067 1,070
EPS in Rs 9.70 10.61 10.92 11.46 11.52 11.72 11.28 7.93 7.43 7.45
Dividend Payout % 30% 32% 70% 51% 73% 63% 59% 40% 11%
Compounded Sales Growth
10 Years:%
5 Years:-9%
3 Years:-18%
TTM:-3%
Compounded Profit Growth
10 Years:%
5 Years:-12%
3 Years:-20%
TTM:-6%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:6%
1 Year:4%
Return on Equity
10 Years:%
5 Years:22%
3 Years:17%
Last Year:12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions
Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Sep 2020
1,429 1,429 1,429 1,432 1,432 1,435 1,436 1,436 1,436 1,436
Reserves 1,553 2,532 2,954 3,831 3,640 4,971 5,138 5,435 6,099 6,770
Borrowings 0 0 0 0 1,029 0 0 0 0 0
68,642 71,260 77,090 95,952 98,664 118,335 135,245 156,215 148,496 176,200
Total Liabilities 71,623 75,220 81,474 101,215 104,765 124,741 141,819 163,086 156,031 184,406
176 165 197 209 212 207 404 463 457 459
CWIP 4 7 5 6 7 7 18 13 20 0
Investments 70,398 73,716 80,101 99,491 103,024 121,581 138,537 159,003 151,251 179,761
1,045 1,332 1,171 1,509 1,522 2,946 2,859 3,607 4,303 4,186
Total Assets 71,623 75,220 81,474 101,215 104,765 124,741 141,819 163,086 156,031 184,406

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
2,829 -2,641 -2,382 523 3,634 4,130 5,690 11,377 8,596
-813 1,564 6,012 -1,822 27 -696 -5,389 -7,559 -10,797
-362 -514 -1,091 -966 -1,442 -994 -1,188 -843 -405
Net Cash Flow 1,654 -1,591 2,539 -2,264 2,219 2,439 -887 2,975 -2,606

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % 46% 38% 34% 32% 30% 29% 16% 14%
Debtor Days 0 0 0 0 3 0 0 0 0
Inventory Turnover

Shareholding Pattern

Numbers in percentages

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
80.71 78.71 78.71 78.69 74.98 74.98 74.98 74.98 74.98 73.48 73.48 73.48
6.52 8.47 8.86 8.56 10.08 11.48 12.12 13.30 13.34 15.06 15.78 16.28
3.72 4.44 4.37 4.61 6.54 6.33 6.71 5.52 5.54 5.23 4.63 4.71
9.05 8.38 8.07 8.13 8.40 7.21 6.19 6.20 6.14 6.23 6.11 5.53

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