ICICI Lombard Gen.

₹1662 10.9 | 0.7%

WEBSITE BSE:540716 NSE : ICICIGI 10 May, 16:01

Market Cap ₹81919 Cr.

Stock P/E 41.6

P/B 6.8

Current Price ₹1662

Book Value ₹ 242.6

Face Value 10

52W High ₹1747.4

Dividend Yield 0.66%

52W Low ₹ 1066.7

Edit Ratio

ICICI Lombard Gen. Research see more...

Overview Inc. Year: 2000Industry: Insurance

ICICI Lombard General Insurance Company Limited is an India-based widespread insurance enterprise. The Company offers coverage insurance for motor, health, travel, home, and more. Its segmentscomprises Fire, Engineering, Marine Cargo, Marine Hull, Motor OD, Motor TP, Workmen's Compensation, Public/Product Liability, Personal Accident, Aviation, Health, Credit Insurance, Crop/Weather Insurance and Others. Its merchandise include motor insurance, automobile insurance, two-wheeler coverage, medical insurance, complete medical health insurance, health booster, global travel coverage, domestic coverage, marine insurance, business insurance, third party insurance and crop insurance. It additionally gives various services, such as complaint redressal, retrieve quote, intimate claim, marine/assets claims, live chat and renew coverage.

ICICI Lombard Gen. Share Price

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Quarterly Price

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Peer Comparison

ICICI Lombard Gen. Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024
Net Sales	3250	3312	3318	3468	3837	3792	3726	4306	4305	4368
Other Income	1190	708	1484	681	868	801	1721	965	907	1027
Total Income	4440	4019	4801	4149	4705	4593	5447	5272	5212	5395
Total Expenditure	3846	3599	4391	3684	4095	4128	4874	4508	4638	4698
Operating Profit	594	421	410	465	610	465	573	764	574	698
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	594	421	410	465	610	465	573	764	574	698
Provision for Tax	147	103	98	116	19	113	136	186	142	178
Profit After Tax	447	318	313	349	591	353	437	577	431	520
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	447	318	313	349	591	353	437	577	431	520
Adjusted Earnings Per Share	9.1	6.5	6.4	7.1	12	7.2	8.9	11.7	8.8	10.5

ICICI Lombard Gen. Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	4009	4353	4235	4822	6164	6912	8375	9404	10014	13032	14823	16705
Other Income	477	679	787	970	1046	1155	1401	1649	2147	3098	3272	4620
Total Income	4486	5032	5022	5792	7209	8066	9776	11053	12161	16130	18095	21326
Total Expenditure	4214	4604	4457	5311	6502	7143	8545	9509	10206	14336	15713	18718
Operating Profit	272	427	566	480	707	924	1231	1544	1955	1794	2382	2609
Interest	8	9	12	14	16	19	29	43	47	59	69	0
Depreciation	49	50	54	57	54	51	60	90	130	141	142	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	282	520	691	708	910	1196	1598	1697	1954	1684	2113	2609
Provision for Tax	-24	9	155	200	208	334	549	503	481	413	383	642
Profit After Tax	306	511	536	507	702	862	1049	1194	1473	1271	1729	1965
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	306	511	536	507	702	862	1049	1194	1473	1271	1729	1965
Adjusted Earnings Per Share	7	11.5	12	11.3	15.6	19	23.1	26.3	32.4	25.9	35.2	39.9

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	14%	16%	16%	14%
Operating Profit CAGR	33%	16%	21%	24%
PAT CAGR	36%	13%	15%	19%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	50%	4%	9%	NA%
ROE Average	18%	18%	19%	20%
ROCE Average	21%	23%	25%	24%

ICICI Lombard Gen. Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	1866	2381	2824	3176	3727	4541	5320	6134	7435	9110	10393
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	485	485	485	485	485	255	35
Other Non-Current Liabilities	2257	2436	2862	3425	4226	5212	5974	5443	7278	8417	9000
Total Current Liabilities	7746	8728	7988	9075	14914	19511	21623	24980	24099	33067	35659
Total Liabilities	11869	13545	13674	15676	23351	29750	33403	37042	39298	50848	55086
Fixed Assets	390	373	381	373	372	368	448	664	613	566	539
Other Non-Current Assets	7873	9367	10316	11707	15049	18443	22549	26645	31256	39143	43471
Total Current Assets	3605	3805	2976	3596	7931	10940	10405	9732	7429	11139	11076
Total Assets	11869	13545	13674	15676	23351	29750	33403	37042	39298	50848	55086

ICICI Lombard Gen. Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	146	270	162	142	195	194	592	402	33	228	293
Cash Flow from Operating Activities	984	595	-98	511	1628	2390	2976	3433	1774	809	2290
Cash Flow from Investing Activities	-962	-706	171	-310	-1990	-1896	-2856	-3382	-1367	112	-1685
Cash Flow from Financing Activities	102	4	-93	-148	361	-96	-310	-420	-212	-879	-695
Net Cash Inflow / Outflow	124	-108	-20	53	-1	398	-190	-369	195	42	-90
Closing Cash & Cash Equivalent	270	162	142	195	194	592	402	33	228	293	203

ICICI Lombard Gen. Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	0	0	11.34	15.56	18.98	23.1	26.27	32.4	25.89	35.21
CEPS(Rs)	7	11.49	11.99	11.34	15.56	18.98	23.1	26.27	32.4	25.89	35.21
DPS(Rs)	0	0	2	3	3.5	4	6	3.5	8	9	10
Book NAV/Share(Rs)	0	0	0	70.96	82.57	100.04	117.11	134.97	163.56	185.57	211.6
Core EBITDA Margin(%)	-5.1	-5.78	-5.23	-10.16	-5.49	-3.34	-2.03	-1.12	-1.92	-10	-6
EBIT Margin(%)	7.03	11.95	16.31	14.68	14.77	17.31	19.08	18.05	19.51	12.92	14.25
Pre Tax Margin(%)	7.03	11.95	16.31	14.68	14.77	17.31	19.08	18.05	19.51	12.92	14.25
PAT Margin (%)	7.63	11.75	12.65	10.52	11.39	12.47	12.53	12.69	14.71	9.75	11.66
Cash Profit Margin (%)	7.63	11.75	12.65	10.52	11.39	12.47	12.53	12.69	14.71	9.75	11.66
ROA(%)	17.76	23.09	18.88	15.23	16.76	16.19	17.63	19.36	19.92	13.87	16.98
ROE(%)	18.97	24.66	20.58	16.92	20.34	20.85	21.28	20.84	21.71	15.36	17.73
ROCE(%)	17.47	25.09	26.54	23.59	24.64	25.9	29.51	27.32	26.88	19.48	21.35
Receivable days	0	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	0	41.74	44.72	40.99	44.31	51.31	30.38
Price/Book(x)	0	0	0	0	0	7.92	8.82	7.98	8.78	7.16	5.05
Dividend Yield(%)	0	0	0	0	0	0.5	0.58	0.33	0.56	0.68	0.94
EV/Net Sales(x)	0.04	0.07	0.07	0.05	0.12	5.19	5.61	5.25	6.54	5	3.53
EV/Core EBITDA(x)	0.62	0.66	0.54	0.53	1.05	38.83	38.17	31.98	33.51	36.33	21.98
Net Sales Growth(%)	12.97	8.57	-2.7	13.84	27.83	12.14	21.18	12.28	6.49	30.14	13.74
EBIT Growth(%)	171.27	84.69	32.77	2.46	28.6	31.44	33.62	6.16	15.15	-13.84	25.48
PAT Growth(%)	173.45	67.23	4.74	-5.26	38.32	22.78	21.76	13.77	23.4	-13.72	36.04
EPS Growth(%)	0	0	0	-5.46	37.21	22.02	21.66	13.73	23.36	-20.1	35.97
Debt/Equity(x)	0	0	0	0	0.13	0.11	0.09	0.08	0.07	0.03	0
Current Ratio(x)	0.36	0.34	0.28	0.29	0.43	0.46	0.38	0.32	0.24	0.27	0.25
Quick Ratio(x)	0.36	0.34	0.28	0.29	0.43	0.46	0.38	0.32	0.24	0.27	0.25
Interest Cover(x)	0	0	0	0	0	0	0	0	0	0	0
Total Debt/Mcap(x)	0	0	0	0	0	0.01	0.01	0.01	0.01	0	0

ICICI Lombard Gen. Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	48.05	48.04	48.03	48.02	48.02	48.02	48.01	48	47.91	51.27
FII	28.12	26.88	25	24.07	23.39	22.85	22	22.37	23.04	23.06
DII	13.47	13.74	15.38	15.98	16.79	17.34	18.21	18.52	17.97	16.07
Public	10.36	11.34	11.59	11.93	11.8	11.79	11.78	11.11	11.08	9.6
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	23.58	23.58	23.58	23.58	23.58	23.58	23.58	23.58	23.58	25.26
FII	13.8	13.19	12.27	11.82	11.49	11.22	10.81	10.99	11.34	11.36
DII	6.61	6.74	7.55	7.85	8.25	8.52	8.94	9.1	8.84	7.92
Public	5.08	5.57	5.69	5.86	5.79	5.79	5.79	5.46	5.46	4.73
Others	0	0	0	0	0	0	0	0	0	0
Total	49.08	49.09	49.1	49.11	49.11	49.11	49.12	49.14	49.23	49.27

Pros

Company has reduced debt.
Company is almost debt free.

Cons

Stock is trading at 6.8 times its book value.

* 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.