ICICI Lombard General Insurance Company Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has a consistent dividend-paying track record
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Recent results are weak - TTM profit is down 11.0% versus prior year
- Operating margins have contracted to -5.0% from 16.1%
- Effective tax rate is unusually low at 0.0% - earnings may be flattered
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| LICI | 407.30 | 8.58 | 515234.31 | 2.46 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| SBILIFE | 1685.00 | 65.00 | 169064.40 | 0.16 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| HDFCLIFE | 514.35 | 56.58 | 111747.11 | 0.41 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| ICICIGI | 1487.00 | 30.60 | 74290.94 | 0.91 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| ICICIPRULI | 460.00 | 39.63 | 66756.14 | 0.36 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| GICRE | 350.05 | 6.92 | 61412.77 | 3.79 | 1743.67 | -31.10 | 11097.77 | -1.56 | 22.43 | -10.45 |
| NIACL | 205.75 | 44.08 | 33907.60 | 0.73 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| STARHEALTH | 571.40 | 39.84 | 33633.95 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| GODIGIT | 253.50 | 47.63 | 23452.42 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| NIVABUPA | 79.57 | 40.88 | 14717.62 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| CANHLIFE | 149.55 | 108.18 | 14207.25 | 0.27 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,887 | 4,306 | 4,305 | 4,368 | 4,504 | 5,026 | 5,045 | 5,226 | 5,136 | 5,652 | 5,685 | 5,791 | 5,950 | |
| 4,206 | 4,509 | 4,639 | 4,701 | 4,831 | 5,207 | 5,199 | 5,443 | 5,415 | 5,825 | 6,051 | 6,138 | 6,566 | |
| Operating Profit | -319 | -203 | -335 | -333 | -327 | -182 | -154 | -217 | -279 | -173 | -366 | -348 | -616 |
| OPM % | -8.19% | -4.71% | -7.77% | -7.62% | -7.26% | -3.61% | -3.05% | -4.15% | -5.43% | -3.07% | -6.43% | -6.01% | -10.35% |
| 839 | 967 | 908 | 1,031 | 1,101 | 1,101 | 1,114 | 885 | 1,272 | 1,251 | 1,235 | 1,066 | 1,152 | |
| 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 | 520 | 764 | 574 | 698 | 774 | 919 | 960 | 668 | 994 | 1,077 | 870 | 718 | 536 |
| Tax % | 24.93% | 24.41% | 24.80% | 25.55% | 25.02% | 24.49% | 24.55% | 23.74% | 24.82% | 23.92% | 24.26% | 23.90% | 24.74% |
| Net Profit | 390 | 577 | 431 | 520 | 580 | 694 | 724 | 510 | 747 | 820 | 659 | 547 | 403 |
| 7.95 | 11.75 | 8.78 | 10.55 | 11.77 | 14.05 | 14.63 | 10.29 | 15.06 | 16.49 | 13.25 | 10.97 | 8.08 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 23,078 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24,581 | |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,503 |
| OPM % | — | — | — | — | — | — | — | — | — | — | -6.51% |
| 2 | 8 | 14 | 16 | 12 | 3 | 44 | 5 | 59 | 10 | 4,704 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,659 | 3,201 |
| Tax % | 22.88% | 27.96% | 34.36% | 29.65% | 24.61% | 24.50% | 18.15% | 24.91% | 24.48% | 24.24% | 24.15% |
| Net Profit | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,772 | 2,428 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 38.94 | 50.60 | 55.61 | — |
| Dividend Payout % | 22.50% | 21.07% | 25.98% | 13.32% | 24.69% | 34.76% | 28.40% | 28.25% | 24.70% | 24.28% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 19%
- 5 Years:
- 13%
- 3 Years:
- 17%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -2%
- 3 Years:
- 2%
- 1 Year:
- -21%
RETURN ON EQUITY
- 10 Years:
- 19%
- 5 Years:
- 17%
- 3 Years:
- 18%
- Last Year:
- 18%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 451 | 454 | 454 | 454 | 455 | 491 | 491 | 493 | 496 | 498 |
| 3,274 | 4,087 | 4,866 | 5,680 | 6,981 | 8,619 | 9,901 | 11,467 | 13,754 | 16,227 | |
| 485 | 485 | 485 | 485 | 485 | 255 | 35 | 35 | 0 | 0 | |
| -4,210 | -5,026 | -5,805 | -6,619 | -7,920 | -9,365 | 214 | 990 | 734 | -653 | |
| Total Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 10,641 | 12,985 | 14,984 | 16,072 |
| 372 | 368 | 448 | 664 | 613 | 566 | 539 | 607 | 728 | 751 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 25 | 94 | 74 | 88 |
| Cash & Bank | 194 | 592 | 402 | 33 | 228 | 293 | 203 | 335 | 88 | 987 |
| -566 | -959 | -850 | -697 | -841 | -859 | 9,874 | 11,950 | 14,095 | 14,246 | |
| Total Assets | 0 | 0 | 0 | 0 | 0 | 0 | 10,641 | 12,985 | 14,984 | 16,072 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2,558 | 3,675 | 4,969 | 5,443 | 3,277 | 2,461 | 4,575 | 2,407 | 1,147 | 2,622 | |
| Cash from Investing | -1,990 | -1,896 | -2,856 | -3,382 | -1,367 | 112 | -1,685 | -1,921 | -1,137 | -1,733 |
| Cash from Financing | 361 | -96 | -310 | -420 | -212 | -879 | -695 | -355 | -257 | -336 |
| -1 | 398 | -190 | -369 | 195 | 42 | -90 | 131 | -247 | 554 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - ICICI Lombard General Insurance Company Limited has informed the Exchange about disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
2026-09-02 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 4212 Shares.
2026-09-02 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding 'Update on Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015'.
2026-08-24 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 71297 Shares.
2026-08-20 - ICICI Lombard General Insurance Company Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meet(s) to be held in the month of September, 2026
2026-08-12 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 13890 Shares.
2026-08-12 - ICICI Lombard General Insurance Company Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meet - Change in Mode of Meeting for August 28, 2026
2026-08-11 - ICICI Lombard General Insurance Company Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meet to be held on August 18, 2026
2026-08-08 - ICICI Lombard General Insurance Company Limited has informed the Exchange about Update on Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
News
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ICICI Lombard General Insurance Company Ltd.
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