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ICICIGI

ICICI Lombard General Insurance Company Limited (ICICIGI) Stock Analysis

ICICI Lombard General Insurance Company Limited is a leading non-life insurer offering motor, health, fire, and commercial covers. It distributes through agents, bancassurance, and online channels to retail and corporate clients. The company focuses on underwriting discipline and claims service. It is India's prominent listed general insurer.

Financial Services › Insurance - Diversified
₹1,691.50
+4.16% 1W  |  -15.20% 52W
Market Cap
84.5k CR
P/E Ratio
34.9
52W High
₹2064.9
52W Low
₹1423.1
Div. Yield
0.83%
Beta
0.4
50 DMA
₹1569.9
200 DMA
₹1743.9
Profit Margin
8.8%
Inst. Own.
83.2%
Trendline Analysis
🚀 BREAKOUT₹1.9k₹1.8k₹1.6k₹1.5k₹1.3k20 Apr01 Jun14 Jul01 Sep15 Oct1.3Cr
Fundamentals
Profit & Loss
MetricSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Sales5,2715,1945,3915,6016,1476,1616,0516,3966,8696,9056,8257,0888,220
Expenses4,5094,6394,7014,8315,2075,1995,4435,4155,8256,0516,1386,5667,005
Operating Profit7625556907709409626099811,0448546865221,215
OPM %14%11%13%14%15%16%10%15%15%12%10%7%15%
Other Income21984-21-260133316321432
Interest0000000000000
Depreciation0000000000000
Profit before tax7645746987749199606689941,0778707185361,247
Tax %24%25%26%25%24%25%24%25%24%24%24%25%24%
Net Profit577431520580694724510747820659547403946
EPS in Rs11.758.7610.5411.7714.0314.6310.2815.0416.4713.2310.968.0818.94
Growth — CAGR
Metric3Y5Y10Y
Revenue CAGR15.0%17.0%16.0%
Profit CAGR14.0%12.0%18.0%
Shareholding Pattern
Promoters51.22%
FIIs21.45%
DIIs20.64%
Public6.57%
ICICIGI
Holdings Analysis
Key strengths & risk signals
72
Overall
67
Fundamental
78
Technical
Risks (2)
VERY HIGH DEBT! D/E of 3.77 - significant risk.
WEAK YEAR! Stock declined 15.2% in the last year.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BREAKOUT! Stock has broken above resistance levels with momentum.
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,266,435 vs down days: 817,368. Ratio: 1.55x
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
72Overall
67Fundamental
78Technical
Fundamental Breakdown
Growth Quality
24/30
Revenue CAGR: 17.0% (VERY GOOD, 13/15). Profit CAGR: 12.0% (GOOD, 11/15).
Profit Margin
3/10
LOW MARGIN! 8.8% profit margin - thin profits.
PEG Valuation
5/10
OVERVALUED! PEG of 2.91 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.83% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.77 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.79% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1569.9) is below 200-day average (1743.9) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (1691.5) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 15.2% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,266,435 vs down days: 817,368. Ratio: 1.55x
RSI
3/5
BULLISH! RSI at 63.4 - positive momentum.
52W Range
3/5
MID RANGE! Trading at 41.8% of 52W range - neutral zone.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 4.2% (1 week), 18.5% (1 month), 4.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
ICICIGI
Concall / Investor Presentation
Earnings call transcripts & AI summaries
QuarterConcallSummary
Q4FY262026-07-20Concall PDF
Q2FY262026-01-19Concall PDF
Q1FY262025-10-20Concall PDF

Peer Comparison

Financial Services · Insurance - Diversified · 8 stocks
Industry peers
StockPriceP/EProfit MarginRevenue CAGR 5YProfit CAGR 5Y52W ChangeStock StrengthTrendlineYoY ProfitQoQ ProfitYoY RevenueQoQ Revenue
ICICIGI₹1,691.5034.98.8%17.0%12.0%-15.2%72 BREAKOUT–+134.6%–+15.4%
NIACL₹183.3039.21.5%6.9%10.5%+1.5%64 APPROACHING SUPPORT-160.6%-142.0%+1.5%-5.1%
FEDERALBNK₹335.0017.930.7%16.6%11.1%+52.3%74 BREAKOUT+36.8%-6.3%+16.7%-6.9%
MCX₹3,216.4067.255.6%67.9%107.5%+70.3%77 BREAKDOWN+103.4%-22.0%+88.1%-21.0%
RECLTD₹309.805.168.9%14.4%13.5%-17.4%69 BREAKOUT-6.1%+24.2%-14.8%-17.4%
IDBI₹83.509.648.6%7.9%35.5%-2.1%69 APPROACHING SUPPORT+5.3%+6.0%-1.4%+7.5%
AUBANK₹1,002.7026.525.6%30.4%22.8%+24.6%81 BOUNCE FROM SUPPORT+37.0%-4.3%+18.5%+2.2%
BAJAJHFL₹83.8025.963.2%25.5%26.7%-23.2%71 APPROACHING RESISTANCE+22.6%+6.9%+17.9%+5.1%
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