ICICI Lombard General Insurance Company Ltd.

•

icicilombard.comBSE: 540716NSE: ICICIGI

Market Cap₹ 74,291 Cr.

Current Price

High / Low₹ 2,065 / 1,460

Stock P/E30.6

Book Value₹ 340

Price to Book5.10

Dividend Yield0.91 %

ROCE23.6 %

ROE17.9 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesInsuranceInsurance

Part ofNIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 100 NIFTY MIDCAP 150 NIFTY FIN SERVICE

S.No.	Name
1.	LICI	407.30	8.58	515234.31	2.46	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1685.00	65.00	169064.40	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	514.35	56.58	111747.11	0.41	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1487.00	30.60	74290.94	0.91	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	460.00	39.63	66756.14	0.36	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	350.05	6.92	61412.77	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	NIACL	205.75	44.08	33907.60	0.73	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
8.	STARHEALTH	571.40	39.84	33633.95	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
9.	GODIGIT	253.50	47.63	23452.42	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.57	40.88	14717.62	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	149.55	108.18	14207.25	0.27	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51.81	51.66	51.60	51.55	51.46	51.37	51.31	51.29	51.22
	23.94	24.75	24.36	23.68	23.94	24.04	23.35	22.29	21.45
	17.15	16.59	17.13	17.70	17.48	17.37	18.21	19.37	20.60
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	7.00	6.90	6.79	6.97	7.03	7.12	7.02	6.94	6.61

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

Action(s) taken or orders passed

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

ESOP/ESOS/ESPS

2026-09-02 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 4212 Shares.

2026-09-02

Updates

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

ESOP/ESOS/ESPS

2026-08-24 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 71297 Shares.

2026-08-20

General Updates

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

ESOP/ESOS/ESPS

2026-08-12 - ICICI Lombard General Insurance Company Limited has informed the Exchange regarding Allotment of 13890 Shares.

2026-08-12

General Updates

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

General Updates

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

Pendency of Litigation(s)/dispute(s) or the outcome impacting the Company

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

Recent coverage and analyst commentary for ICICIGI

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ICICI Lombard General Insurance Company Ltd.

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Free 5nance Account

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

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

1,114

885

1,272

1,251

1,235

1,066

1,152

Interest

Depreciation

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

23,078

24,581

Operating Profit

-1,503

OPM %

—

-6.51%

4,704

Interest

Depreciation

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

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%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

451

454

455

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

255

-4,210

-5,026

-5,805

-6,619

-7,920

-9,365

214

990

734

-653

Total Liabilities

10,641

12,985

14,984

16,072

372

368

448

664

613

566

539

607

728

751

Capital Work in Progress

Cash & Bank

194

592

402

228

293

203

335

987

-566

-959

-850

-697

-841

-859

9,874

11,950

14,095

14,246

Total Assets

10,641

12,985

14,984

16,072

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

-90

131

-247

554

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

51.81

51.66

51.60

51.55

51.46

51.37

51.31

51.29

51.22

23.94

24.75

24.36

23.68

23.94

24.04

23.35

22.29

21.45

17.15

16.59

17.13

17.70

17.48

17.37

18.21

19.37

20.60

Government

0.00

Public

7.00

6.90

6.79

6.97

7.03

7.12

7.02

6.94

6.61

ICICI Lombard General Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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ICICI Lombard General Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI