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 ₹ 90,934 Cr.
  • Current Price ₹ 633
  • High / Low ₹ 661 / 398
  • Stock P/E 188
  • Book Value ₹ 59.0
  • Dividend Yield 0.32 %
  • ROCE 9.15 %
  • ROE 7.63 %
  • 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 26.84%

Cons

  • Stock is trading at 10.73 times its book value
  • Company has a low return on equity of 10.98% for last 3 years.
  • Earnings include an other income of Rs.2144.29 Cr.

Peer comparison

Sector: Insurance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
8,972 8,670 15,896 8,344 8,144 12,876 -8,338 18,746 16,691 28,463 19,282 16,211
8,640 8,461 15,981 8,260 8,083 12,811 -7,749 18,853 16,641 28,412 19,726 17,341
Operating Profit 333 208 -85 83 60 65 -589 -106 50 51 -444 -1,130
OPM % 4% 2% -1% 1% 1% 1% -1% 0% 0% -2% -7%
Other Income -2 118 388 233 272 257 817 439 314 299 616 914
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 331 326 303 316 332 322 228 333 364 350 172 -215
Tax % 9% 9% 14% 10% 9% 6% 22% 14% 17% 13% 64% 14%
Net Profit 300 296 261 285 302 302 179 287 302 304 63 -185
EPS in Rs 2.09 2.06 1.82 1.98 2.10 2.10 1.24 2.00 2.11 2.12 0.44 -1.29
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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 Mar 2021 TTM
14,021 20,025 21,888 34,453 20,849 37,816 38,832 41,463 21,061 83,231 80,647
13,118 19,280 20,384 32,798 19,008 36,010 37,062 40,699 21,344 83,572 82,120
Operating Profit 904 745 1,504 1,655 1,842 1,806 1,771 763 -283 -341 -1,474
OPM % 6% 4% 7% 5% 9% 5% 5% 2% -1% -0% -2%
Other Income 627 900 129 43 0 130 132 591 1,542 1,620 2,144
Interest 16 14 15 17 0 15 20 23 0 0 0
Depreciation 56 41 47 40 0 58 44 57 61 60 0
Profit before tax 1,459 1,591 1,572 1,642 1,842 1,863 1,839 1,274 1,198 1,219 671
Tax % 5% 5% 1% 0% 10% 10% 12% 11% 11% 22%
Net Profit 1,386 1,515 1,561 1,640 1,650 1,682 1,619 1,139 1,067 956 484
EPS in Rs 9.70 10.61 10.92 11.46 11.52 11.72 11.28 7.93 7.43 6.66 3.38
Dividend Payout % 30% 32% 70% 51% 73% 63% 59% 40% 11% 30%
Compounded Sales Growth
10 Years:%
5 Years:32%
3 Years:29%
TTM:157%
Compounded Profit Growth
10 Years:%
5 Years:-15%
3 Years:-23%
TTM:-55%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:15%
1 Year:40%
Return on Equity
10 Years:%
5 Years:17%
3 Years:11%
Last Year:8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions Corp actions Equity History
Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Jun 2021
1,429 1,429 1,429 1,432 1,432 1,435 1,436 1,436 1,436 1,436 1,437
Reserves 1,553 2,532 2,954 3,831 3,640 4,971 5,138 5,435 5,524 10,666 7,040
Borrowings 0 0 0 0 1,029 0 0 0 0 1,200 1,200
68,642 71,260 77,090 95,952 98,664 118,335 135,245 156,215 149,071 203,918 218,147
Total Liabilities 71,623 75,220 81,474 101,215 104,765 124,741 141,819 163,086 156,031 217,220 227,824
176 165 197 209 212 207 404 463 932 911 453
CWIP 4 7 5 6 7 7 18 13 20 22 0
Investments 70,398 73,716 80,101 99,491 103,024 121,581 138,537 159,003 150,776 211,727 221,165
1,045 1,332 1,171 1,509 1,522 2,946 2,859 3,607 4,303 4,560 6,206
Total Assets 71,623 75,220 81,474 101,215 104,765 124,741 141,819 163,086 156,031 217,220 227,824

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 Mar 2021
2,829 -2,641 -2,382 523 3,634 4,130 5,690 11,377 8,596 7,314
-813 1,564 6,012 -1,822 27 -696 -5,389 -7,559 -10,797 -5,084
-362 -514 -1,091 -966 -1,442 -994 -1,188 -843 -405 1,205
Net Cash Flow 1,654 -1,591 2,539 -2,264 2,219 2,439 -887 2,975 -2,606 3,434

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 Mar 2021
ROCE % 46% 38% 34% 32% 30% 29% 16% 14% 9%
Debtor Days 0 0 0 0 3 0 0 0 0 0
Inventory Turnover

Shareholding Pattern

Numbers in percentages

Insider trades
Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
78.71 78.69 74.98 74.98 74.98 74.98 74.98 73.48 73.48 73.48 73.48 73.45
8.86 8.56 10.08 11.48 12.12 13.30 13.34 15.06 15.78 16.28 16.51 17.17
4.37 4.61 6.54 6.33 6.71 5.52 5.54 5.23 4.63 4.71 4.29 4.11
8.07 8.13 8.40 7.21 6.19 6.20 6.14 6.23 6.11 5.53 5.72 5.27

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