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ICICI Lombard Gen.

₹2005.1 -27.7 | 1.4%

Market Cap ₹99832 Cr.

Stock P/E 39.8

P/B 6.3

Current Price ₹2005.1

Book Value ₹ 316.6

Face Value 10

52W High ₹2074.9

Dividend Yield 0.62%

52W Low ₹ 1612.7

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.

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ICICI Lombard Gen. Share Price

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Price

Quarterly Price

Quarterly Monthly
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Peer Comparison

ICICI Lombard Gen. Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Net Sales 3887 4306 4305 4368 4504 5026 5045 5226 5136 5652
Other Income 839 967 908 1031 1101 1101 1119 889 1272 1251
Total Income 4726 5273 5213 5399 5605 6126 6165 6114 6409 6902
Total Expenditure 4206 4509 4639 4701 4831 5207 5204 5446 5415 5825
Operating Profit 520 764 574 698 774 919 960 668 994 1077
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 520 764 574 698 774 919 960 668 994 1077
Provision for Tax 130 186 142 178 194 225 236 159 247 258
Profit After Tax 390 577 431 520 580 694 724 510 747 820
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 390 577 431 520 580 694 724 510 747 820
Adjusted Earnings Per Share 7.9 11.7 8.8 10.5 11.8 14 14.6 10.3 15 16.5

ICICI Lombard Gen. Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 4235 4822 6164 6912 8375 9404 10014 13032 14823 16866 19800 21059
Other Income 787 970 1046 1155 1401 1649 2147 3098 3272 2894 3136 4531
Total Income 5022 5792 7209 8066 9776 11053 12161 16130 18095 19760 22937 25590
Total Expenditure 4457 5311 6502 7143 8545 9509 10206 14336 15713 17854 20670 21890
Operating Profit 566 480 707 924 1231 1544 1955 1794 2382 1906 2267 3699
Interest 12 14 16 19 29 43 47 59 69 90 101 0
Depreciation 54 57 54 51 60 90 130 141 142 134 124 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 691 708 910 1196 1598 1697 1954 1684 2113 2555 3321 3699
Provision for Tax 155 200 208 334 549 503 481 413 383 637 813 900
Profit After Tax 536 507 702 862 1049 1194 1473 1271 1729 1919 2508 2801
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 536 507 702 862 1049 1194 1473 1271 1729 1919 2508 2801
Adjusted Earnings Per Share 12 11.3 15.6 19 23.1 26.3 32.4 25.9 35.2 38.9 50.6 56.4

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 15% 16% 17%
Operating Profit CAGR 19% 8% 8% 15%
PAT CAGR 31% 25% 16% 17%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 8% 21% 9% NA%
ROE Average 19% 18% 18% 19%
ROCE Average 25% 23% 23% 25%

ICICI Lombard Gen. Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 2824 3176 3727 4541 5320 6134 7435 9110 10393 11960 14303
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 485 485 485 485 485 255 35 35 0
Other Non-Current Liabilities 2862 3425 4226 5212 5974 5443 7278 8417 9000 11263 11977
Total Current Liabilities 7988 9075 14914 19511 21623 24980 24099 33067 35659 40050 42739
Total Liabilities 13674 15676 23351 29750 33403 37042 39298 50848 55086 63308 69020
Fixed Assets 381 373 372 368 448 664 613 566 539 607 728
Other Non-Current Assets 10316 11707 15049 18443 22549 26645 31256 39143 43471 49294 53751
Total Current Assets 2976 3596 7931 10940 10405 9732 7429 11139 11076 13408 14541
Total Assets 13674 15676 23351 29750 33403 37042 39298 50848 55086 63308 69020

ICICI Lombard Gen. Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 162 142 195 194 592 402 33 228 293 203 335
Cash Flow from Operating Activities -98 511 1628 2390 2976 3433 1774 809 2290 2407 1147
Cash Flow from Investing Activities 171 -310 -1990 -1896 -2856 -3382 -1367 112 -1685 -1921 -1137
Cash Flow from Financing Activities -93 -148 361 -96 -310 -420 -212 -879 -695 -355 -257
Net Cash Inflow / Outflow -20 53 -1 398 -190 -369 195 42 -90 131 -247
Closing Cash & Cash Equivalent 142 195 194 592 402 33 228 293 203 335 88

ICICI Lombard Gen. Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 0 11.34 15.56 18.98 23.1 26.27 32.4 25.89 35.21 38.94 50.6
CEPS(Rs) 11.99 11.34 15.56 18.98 23.1 26.27 32.4 25.89 35.21 38.94 50.6
DPS(Rs) 2 3 3.5 4 6 3.5 8 9 10 11 12.5
Book NAV/Share(Rs) 0 70.96 82.57 100.04 117.11 134.97 163.56 185.57 211.6 242.74 287.46
Core EBITDA Margin(%) -5.23 -10.16 -5.49 -3.34 -2.03 -1.12 -1.92 -10 -6 -5.86 -4.39
EBIT Margin(%) 16.31 14.68 14.77 17.31 19.08 18.05 19.51 12.92 14.25 15.15 16.77
Pre Tax Margin(%) 16.31 14.68 14.77 17.31 19.08 18.05 19.51 12.92 14.25 15.15 16.77
PAT Margin (%) 12.65 10.52 11.39 12.47 12.53 12.69 14.71 9.75 11.66 11.38 12.67
Cash Profit Margin (%) 12.65 10.52 11.39 12.47 12.53 12.69 14.71 9.75 11.66 11.38 12.67
ROA(%) 18.88 15.23 16.76 16.19 17.63 19.36 19.92 13.87 16.98 16.24 17.94
ROE(%) 20.58 16.92 20.34 20.85 21.28 20.84 21.71 15.36 17.73 17.17 19.14
ROCE(%) 26.54 23.59 24.64 25.9 29.51 27.32 26.88 19.48 21.35 22.79 25.31
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 41.74 44.72 40.99 44.31 51.31 30.38 43.27 35.42
Price/Book(x) 0 0 0 7.92 8.82 7.98 8.78 7.16 5.05 6.94 6.23
Dividend Yield(%) 0 0 0 0.5 0.58 0.33 0.56 0.68 0.94 0.65 0.7
EV/Net Sales(x) 0.07 0.05 0.12 5.19 5.61 5.25 6.54 5 3.53 4.9 4.48
EV/Core EBITDA(x) 0.54 0.53 1.05 38.83 38.17 31.98 33.51 36.33 21.98 43.4 39.15
Net Sales Growth(%) -2.7 13.84 27.83 12.14 21.18 12.28 6.49 30.14 13.74 13.79 17.39
EBIT Growth(%) 32.77 2.46 28.6 31.44 33.62 6.16 15.15 -13.84 25.48 20.95 29.98
PAT Growth(%) 4.74 -5.26 38.32 22.78 21.76 13.77 23.4 -13.72 36.04 10.96 30.74
EPS Growth(%) 0 -5.46 37.21 22.02 21.66 13.73 23.36 -20.1 35.97 10.61 29.93
Debt/Equity(x) 0 0 0.13 0.11 0.09 0.08 0.07 0.03 0 0 0
Current Ratio(x) 0.28 0.29 0.43 0.46 0.38 0.32 0.24 0.27 0.25 0.27 0.27
Quick Ratio(x) 0.28 0.29 0.43 0.46 0.38 0.32 0.24 0.27 0.25 0.27 0.27
Interest Cover(x) 0 0 0 0 0 0 0 0 0 0 0
Total Debt/Mcap(x) 0 0 0 0.01 0.01 0.01 0.01 0 0 0 0

ICICI Lombard Gen. Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 48.01 48 47.91 51.27 51.81 51.66 51.6 51.55 51.46 51.37
FII 22 22.37 23.04 23.06 23.93 24.75 24.36 23.68 23.93 24.04
DII 18.21 18.52 17.97 16.07 17.25 16.69 17.25 17.8 17.58 17.47
Public 11.78 11.11 11.08 9.6 7 6.9 6.79 6.97 7.03 7.12
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Stock is trading at 6.3 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.

ICICI Lombard Gen. News

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