ICICI Prudential

₹680.4 16.3 | 2.4%

WEBSITE BSE:540133 NSE : ICICIPRULI 09 Jul, 15:59

Market Cap ₹98402 Cr.

Stock P/E 83

P/B 8.2

Current Price ₹680.4

Book Value ₹ 82.6

Face Value 10

52W High ₹795

Dividend Yield 0.12%

52W Low ₹ 517

Edit Ratio

ICICI Prudential Research see more...

Overview Inc. Year: 2000Industry: Insurance

ICICI Prudential Life Insurance Company Ltd is a life coverage organisation, that's a joint venture among ICICI Bank Limited and Prudential Corporation Holdings Limited. The Company offers life coverage, pensions and medical insurance to individuals and agencies. It conducts business in participating, non-participating and unit linked lines of companies. Its segments comprises Par Life, Par Pension, Non Par, Annuity Non Par, Health, Linked Life, Linked Pension, Linked Health and Linked Group. It gives term plans, such as ICICI Pru iProtect Smart; unit connected coverage plans (ULIPs), such as ICICI Pru Wealth Builder II and ICICI Pru Elite Life II; child education coverage plans, which includes ICICI Prudential SmartKid with Smart Life; retirement plans, along with ICICI Pru Easy Retirement; traditional financial savings/money back plans, together with ICICI Pru Cash Advantage and ICICI Pru Savings Suraksha, and Health insurance. It gives merchandise on retail, mortgage and group structures.

ICICI Prudential Share Price

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Peer Comparison

ICICI Prudential Quarterly Results

#(Fig in Cr.)	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Net Sales	9465	12629	7020	10022	9929	14788	7875	10754	12261	16369
Other Income	8314	-865	16860	7936	16921	8242	17758	14388	-7556	-499
Total Income	17779	11764	23880	17958	26850	23030	25633	25142	4705	15870
Total Expenditure	17502	11400	23663	17682	26584	22760	25362	24839	4295	15272
Operating Profit	277	364	216	276	265	270	271	303	410	598
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	277	364	216	276	265	270	271	303	410	598
Provision for Tax	55	129	10	32	38	97	47	52	85	213
Profit After Tax	222	235	206	244	227	174	224	251	325	385
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	222	235	206	244	227	174	224	251	325	385
Adjusted Earnings Per Share	1.5	1.6	1.4	1.7	1.6	1.2	1.6	1.7	2.2	2.7

ICICI Prudential 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	15160	18999	22155	26811	30578	32879	34973	36321	38560	41760	47259	47259
Other Income	18784	1229	15038	11407	10822	-10939	49106	27243	11919	46765	23047	24091
Total Income	33944	20228	37193	38217	41400	21939	84079	63565	50478	88524	70306	71350
Total Expenditure	32732	18816	36040	36734	40054	19621	81832	61208	47992	89120	69280	69768
Operating Profit	1212	1412	1153	1483	1346	2318	2247	2357	2486	-596	1026	1582
Interest	17	12	15	20	23	19	23	32	31	40	32	0
Depreciation	40	46	58	44	57	61	60	67	83	113	133	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	1585	1771	1784	1719	1161	1067	1077	795	900	921	1332	1582
Provision for Tax	-49	121	103	100	22	0	121	36	87	70	146	397
Profit After Tax	1634	1650	1682	1619	1139	1067	956	759	813	851	1186	1185
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1634	1650	1682	1619	1139	1067	956	759	813	851	1186	1185
Adjusted Earnings Per Share	11.4	11.5	11.7	11.3	7.9	7.4	6.7	5.3	0	0	0	8.2

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	13%	9%	8%	12%
Operating Profit CAGR	0%	-24%	-15%	-2%
PAT CAGR	39%	16%	2%	-3%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	5%	9%	9%	NA%
ROE Average	11%	9%	10%	19%
ROCE Average	10%	9%	9%	19%

ICICI Prudential 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	4864	5072	6133	6574	6871	7535	8493	9024	9809	10659	12000
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	1200	1200	1200	1200	2600
Other Non-Current Liabilities	94573	97871	115792	131820	152576	145191	203819	228987	239173	281700	294284
Total Current Liabilities	1778	1822	2816	3426	3639	3305	3707	5226	5669	5442	5354
Total Liabilities	101215	104765	124741	141819	163086	156031	217220	244437	255851	299001	314239
Fixed Assets	209	212	207	404	463	457	436	433	479	670	812
Other Non-Current Assets	99517	103076	121669	138700	159286	151734	212887	239097	249647	291539	306437
Total Current Assets	1489	1477	2866	2714	3337	3839	3897	4908	5725	6791	6990
Total Assets	101215	104765	124741	141819	163086	156031	217220	244437	255851	299001	314239

ICICI Prudential 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	4142	1876	4094	6534	5647	8622	6016	9450	10146	8978	8995
Cash Flow from Operating Activities	523	3634	4130	5690	11377	8596	7314	1831	89	-7315	-9413
Cash Flow from Investing Activities	-1822	27	-696	-5389	-7559	-10797	-5084	-816	-1145	7420	6875
Cash Flow from Financing Activities	-966	-1442	-994	-1188	-843	-405	1205	-319	-112	-88	1422
Net Cash Inflow / Outflow	-2264	2219	2440	-887	2975	-2606	3434	696	-1168	17	-1116
Closing Cash & Cash Equivalent	1878	4094	6534	5647	8622	6016	9450	10146	8978	8995	7879

ICICI Prudential 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	11.52	11.72	11.28	7.93	7.43	6.66	5.28	0	0	0
CEPS(Rs)	11.42	11.52	11.72	11.28	7.93	7.43	6.66	5.28	5.65	5.9	8.2
DPS(Rs)	5.85	8.4	7.35	6.7	3.15	0.8	2	0.55	0.6	0.6	0.85
Book NAV/Share(Rs)	0	35.41	42.65	45.64	47.69	52.3	58.98	62.56	67.95	73.72	82.4
Core EBITDA Margin(%)	-115.9	0.96	-62.67	-37.01	-30.99	40.32	-133.98	-68.52	-24.46	-113.41	-46.6
EBIT Margin(%)	10.46	9.32	8.05	6.41	3.8	3.25	3.08	2.19	2.33	2.2	2.82
Pre Tax Margin(%)	10.46	9.32	8.05	6.41	3.8	3.25	3.08	2.19	2.33	2.2	2.82
PAT Margin (%)	10.78	8.69	7.59	6.04	3.72	3.25	2.73	2.09	2.11	2.04	2.51
Cash Profit Margin (%)	10.78	8.69	7.59	6.04	3.72	3.25	2.73	2.09	2.11	2.04	2.51
ROA(%)	1.83	1.64	1.5	1.24	0.76	0.68	0.52	0.34	0.33	0.31	0.39
ROE(%)	36.08	33.22	30.05	25.55	17	14.86	11.97	8.7	8.67	8.34	10.52
ROCE(%)	35	35.66	31.89	27.13	17.33	14.86	12.54	8	8.51	8.08	10.12
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	32.63	34.57	44.06	47.87	66.87	94.61	0	0	0
Price/Book(x)	0	0	8.96	8.54	7.33	6.8	7.55	7.99	6.41	8.26	6.86
Dividend Yield(%)	0	0	1.92	1.72	0.9	0.22	0.45	0.11	0.14	0.1	0.15
EV/Net Sales(x)	0.08	0.06	2.47	2.08	1.62	1.53	1.85	1.99	1.64	2.11	1.76
EV/Core EBITDA(x)	0.97	0.87	47.41	37.6	36.78	21.68	28.74	30.71	25.37	-147.89	81.21
Net Sales Growth(%)	23.43	25.32	16.61	21.01	14.05	7.52	6.37	3.85	6.16	8.3	13.17
EBIT Growth(%)	4.06	11.73	0.74	-3.67	-32.44	-8.12	0.98	-26.23	13.28	2.24	44.67
PAT Growth(%)	4.68	0.96	1.91	-3.72	-29.66	-6.32	-10.39	-20.6	7.15	4.57	39.36
EPS Growth(%)	0	0.92	1.69	-3.73	-29.67	-6.32	-10.39	-20.67	-100	0	0
Debt/Equity(x)	0	0	0	0	0	0	0.14	0.13	0.12	0.11	0.22
Current Ratio(x)	0.69	0.67	1.01	0.79	0.91	1.15	1.04	0.93	1.01	1.24	1.29
Quick Ratio(x)	0.69	0.67	1.01	0.79	0.91	1.15	1.04	0.93	1.01	1.24	1.29
Interest Cover(x)	0	0	0	0	0	0	0	0	0	0	0
Total Debt/Mcap(x)	0	0	0	0	0	0	0.02	0.02	0.02	0.01	0.03

ICICI Prudential Shareholding Pattern

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	73.35	73.35	73.33	73.29	73.27	73.24	73.18	73.05	73.01	73
FII	15.4	15.19	15.42	15.5	14.72	13.34	13.22	12.97	12.77	13.24
DII	5.94	6.16	6.33	6.39	6.94	8.55	8.84	9.31	9.47	8.82
Public	5.31	5.31	4.92	4.83	5.08	4.86	4.76	4.67	4.76	4.95
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	105.51	105.51	105.51	105.51	105.51	105.51	105.51	105.51	105.51	105.51
FII	22.16	21.86	22.18	22.31	21.2	19.22	19.06	18.74	18.45	19.13
DII	8.55	8.86	9.11	9.2	9.99	12.32	12.75	13.44	13.68	12.74
Public	7.64	7.63	7.08	6.95	7.31	7.01	6.87	6.75	6.88	7.15
Others	0	0	0	0	0	0	0	0	0	0
Total	143.86	143.86	143.89	143.96	144.01	144.06	144.19	144.44	144.52	144.53

Pros

Company is almost debt free.

Cons

Company has a low return on equity of 9% over the last 3 years.
Stock is trading at 8.2 times its book value.
Earnings include an other income of Rs. 23047 Cr.
The company has delivered a poor profit growth of 2% over past five years.

* 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.